Offer

25 PC Optimum points / $ at Shoppers Drug Mart
10 PC Optimum points / $ at Loblaw stores
20 PC Optimum points / $ from PC Travel
30 PC Optimum points / liter of gas at Esso / Mobil
10 PC Optimum points / $ everywhere else

Fees & Conditions

Personal Income $0

Household Income $0

Annual Fee $0

First Additional Card $0

Foreign Transaction Fee 2.5%

Purchase Rates 20.97%

Cash Advance Rates 22.97%

Advantages

Costco

Earnings

Per dollar of purchases

All Spending 10 Points

Groceries 10 Points

Gas 10 Points

Dining and Food delivery 10 Points

Convenience Stores 10 Points

Drugstores 25 Points

Local Transport 10 Points

Travel 10 Points

Entertainment 10 Points

Recurring Payments 10 Points

Telecom/Internet 10 Points

Streaming services 10 Points

Online transactions 10 Points

Office Supplies 10 Points

Insurance

Travel Insurance

Travel Medical Insurance

Travel medical insurance up to 54 years old

Travel medical insurance up to 64 years old

Travel medical insurance 65+

Trip Cancellation Insurance

Trip Interruption Insurance

Common Carrier Travel Accident Insurance

Flight Delay Insurance

Delayed Baggage Insurance

Lost/Stolen Baggage Insurance

Auto Rental Loss/Insurance

Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Extended Warranty

1 year

Purchase Protection

90 day(s)

Mobile Device Insurance

Price Protection

Our review

With the PC Financial Mastercard, you earn:

25 PC Optimum points per dollar spent at Shoppers Drug Mart
10 PC Optimum points for every $1 in purchases at Loblaw stores
20 PC Optimum points for every $1 in purchases from PC Travel
30 PC Optimum points per liter of gas at Esso / Mobil
10 PC Optimum points per dollar of purchases everywhere else

This means that you get between 1 and 3% on your purchases from PC Optimum stores. You can then use your PC Optimum points for rebates at the checkout of these PC Optimum stores.

In addition, this card has no annual fee.

Milesopedia Links

Alternative Cards

Scotiabank^® Scene+™ Visa* Card

Up to 5,000 Scene+ points

Ends Oct 31, 2025

First year value : $295

Apply Now

Scotiabank American Express^® Card

Up to 7,500 Scene+ points

Ends Oct 31, 2025

First year value : $418

Apply Now

Tangerine Money-Back Credit Card

Up to $100 cash back

Ends Apr 30, 2025

First year value : $220

Apply Now

3 Milesopedia Rating