{"id":472862,"date":"2026-03-20T09:30:00","date_gmt":"2026-03-20T13:30:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=472862"},"modified":"2026-04-15T14:14:41","modified_gmt":"2026-04-15T18:14:41","slug":"pc-financial-credit-cards-which-is-the-right-one-for-you","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/","title":{"rendered":"PC Optimum Credit Cards: Which Is the Right One For You?"},"content":{"rendered":"\n<p>Over the years, PC Optimum has grown from a smaller store-specific points program to a massive, multi-brand loyalty program that helps Canadians save money on groceries, gas, drugstore items, and more.<\/p>\n\n\n\n<p>The loyalty program has even got it&#8217;s own set of co-branded PC Optimum credit cards through PC Financial to further bolster people&#8217;s ability to earn points and save.<\/p>\n\n\n\n<p>In this article, we\u2019ll compare all of the PC Financial credit cards to help you decide which one is the right one to add to your loyalty portfolio.<\/p>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/11\/PC-Financial-credit-cards-trio-1024x554.png\" alt=\"PC Financial credit cards trio\" loading=\"lazy\" width=\"1012\" height=\"548\">\n\t\t\t<\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pc-financial-mastercards\">PC Financial Mastercards<\/h2>\n\n\n\n<p><a href=\"https:\/\/milesopedia.com\/en\/cards\/pc-financial\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>PC Financial<\/strong> has 4 credit cards<\/a> that each let you <strong>earn <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/pc-optimum\/\" target=\"_blank\" rel=\"noreferrer noopener\">PC Optimum points<\/a> on all your purchases<\/strong>.<\/p>\n\n\n\n<p>The earning rates available on these cards range from <strong>10 points per $1 spent <\/strong>all the way up to <strong>50 points per $1 spent<\/strong>, with the exact rate depending on which card you use and at what store.<\/p>\n\n\n\n<p>Not only does this make it incredibly easy to build up your stash of points, but it also represents one of the <a href=\"\/?p=433981\" target=\"_blank\" rel=\"noreferrer noopener\">best ways to earn these points<\/a>.<\/p>\n\n\n\n<p>Additionally, each of the 4 PC Financial Mastercards offer cardholders perks and benefits to help them save even more.<\/p>\n\n\n\n<p>In fact, the savings start as soon as you sign up for a card since only one of the PC Financial credit cards has an annual fee, while the other 3 provide their elevated earning rates and perks for <strong>no cost at all<\/strong>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"216789,101850\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-no-annual-fee-credit-cards\">No annual fee credit cards<\/h3>\n\n\n\n<p>PC Financial offers 3 <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/no-fee\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit cards with no annual fees<\/a>:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/pc-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">PC<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/pc-world-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">PC<sup>&reg;<\/sup> World Mastercard<sup>&reg;<\/sup><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/pc-world-elite-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">PC<sup>&reg;<\/sup> World Elite Mastercard<sup>&reg;<\/sup><\/a><\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"48538\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Each of these cards let you <strong>earn PC Optimum points above and beyond the base member rate<\/strong> offered at eligible stores and websites.<\/p>\n\n\n\n<p>Not only that, but these cards give you <strong>10 PC Optimum points per $1 spent on all your purchases<\/strong>, significantly broadening where you can earn your points and how quickly you can rack them up.<\/p>\n\n\n\n<p>The cards also offer a range of additional benefits like <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/travel-insurance-credit-cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">travel insurance<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/theft-damage-car-rental-credit-cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">car rental insurance<\/a>, purchase protection, and <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/extended-warranty-credit-cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">extended warranty<\/a>.<\/p>\n\n\n\n<p>We&#8217;ve written a <a href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/pc-world-elite-mastercard\/\" type=\"post\" id=\"487225\" target=\"_blank\" rel=\"noreferrer noopener\">complete review of the PC<sup>&reg;<\/sup> World Elite Mastercard<sup>&reg;<\/sup><\/a>, so you can also dig in to that to learn more about the second-most premium PC option, and get a more detailed sense of how these cards work.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"116748,192394,132067,487225\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-simple container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22760,22761,329347\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pc-insiders-world-elite-mastercard\">PC Insiders\u2122 World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/h3>\n\n\n\n<p>In addition to the 3 no-annual-fee credit cards mentioned above, <strong>PC Financial<\/strong> also offers a slightly more premium card designed for the PC-focused customer.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/pc-insiders-world-elite-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">PC Insiders\u2122 World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> has an annual fee of $120, but this is offset by the fact that it not only offers the <strong>highest earning rates of all the PC Financial credit cards<\/strong>, but it also gives you a <strong>free PC Express Pass<\/strong> just for being a cardholder.<\/p>\n\n\n\n<p>With a PC Express Pass, you get unlimited <strong>free delivery for your groceries<\/strong>, and you get <strong>access to bonus points, promotions, and exclusive savings<\/strong> at Loblaws-affiliated grocery stores.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/go\/pc-insiders-world-elite-mastercard\/\">PC Insiders\u2122 World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> also comes with a handful of additional perks that match those offered by the <a href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-elite-mastercard\/\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a>.<\/p>\n\n\n\n<p>Now, to get a sense of how all 4 of the PC Financial Mastercards stack up against each other, let&#8217;s compare their earning rates and benefits packages.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22762\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comparison-of-pc-financial-credit-cards\">Comparison of PC Financial Credit Cards<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-earn-rates\">Earn rates<\/h3>\n\n\n\n<p>Each of the <strong>PC Financial credit cards<\/strong> earns PC Optimum points on all purchases, with the earning rates improving with each card tier.<\/p>\n\n\n\n<p>When applying for one of these cards, you&#8217;ll need to take note of the minimum income requirements as these will dictate which of the no-annual-fee cards you qualify for or whether or not you&#8217;re eligible for the <a href=\"https:\/\/milesopedia.com\/en\/go\/pc-insiders-world-elite-mastercard\/\">PC Insiders\u2122 World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a>.<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table checkmarks red-crosses\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">PC Mastercard<\/th><th class=\"has-text-align-center\" data-align=\"center\">PC World mastercard<\/th><th class=\"has-text-align-center\" data-align=\"center\">PC World Elite Mastercard<\/th><th class=\"has-text-align-center\" data-align=\"center\">PC Insiders World Elite Mastercard<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Annual fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">$0<\/td><td class=\"has-text-align-center\" data-align=\"center\">$0<\/td><td class=\"has-text-align-center\" data-align=\"center\">$0<\/td><td class=\"has-text-align-center\" data-align=\"center\">$120<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Minimum income requirement<\/td><td class=\"has-text-align-center\" data-align=\"center\">N\/A<\/td><td class=\"has-text-align-center\" data-align=\"center\">$50,000 individual or $80,000 household<\/td><td class=\"has-text-align-center\" data-align=\"center\">$80,000 individual or $150,000 household<\/td><td class=\"has-text-align-center\" data-align=\"center\">$80,000 individual or $150,000 household<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong><span style=\"text-decoration: underline\">Earn Rates<\/span><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">At grocery store<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 pts\/$1 <\/td><td class=\"has-text-align-center\" data-align=\"center\">20 pts\/$1<\/td><td class=\"has-text-align-center\" data-align=\"center\">30 pts\/$1<\/td><td class=\"has-text-align-center\" data-align=\"center\">40 pts\/$1<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">At Shoppers Drug Mart\/Pharmaprix<\/td><td class=\"has-text-align-center\" data-align=\"center\">25 pts\/$1<\/td><td class=\"has-text-align-center\" data-align=\"center\">35 pts\/$1<\/td><td class=\"has-text-align-center\" data-align=\"center\">45 pts\/$1<\/td><td class=\"has-text-align-center\" data-align=\"center\">50 pts\/$1<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">At Joe Fresh<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 pts\/$1<\/td><td class=\"has-text-align-center\" data-align=\"center\">20 pts\/$1<\/td><td class=\"has-text-align-center\" data-align=\"center\">30 pts\/$1<\/td><td class=\"has-text-align-center\" data-align=\"center\">40 pts\/$1<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">At Esso and Mobil<\/td><td class=\"has-text-align-center\" data-align=\"center\">At least 30 pts\/litre<\/td><td class=\"has-text-align-center\" data-align=\"center\">At least 30 pts\/litre<\/td><td class=\"has-text-align-center\" data-align=\"center\">At least 30 pts\/litre<\/td><td class=\"has-text-align-center\" data-align=\"center\">At least 50 pts\/litre<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Everywhere else<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 pts\/$1<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 pts\/$1 spent<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 pts\/$1 spent<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 pts\/$1<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Keep in mind that the earning rates listed for each card include the base rate of PC Optimum points that you earn as a general <a href=\"https:\/\/www.pcoptimum.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">PC Optimum member<\/a>. <br><br>For example, when you make a purchase at Shoppers Drug Mart with the <a href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-mastercard\/\">PC<a href=\"https:\/\/milesopedia.com\/en\/go\/pc-insiders-world-elite-mastercard\/\"><sup>&reg;<\/sup><\/a><\/a> <a href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-mastercard\/\">Mastercard<\/a><a href=\"https:\/\/milesopedia.com\/en\/go\/pc-insiders-world-elite-mastercard\/\"><sup>&reg;<\/sup><\/a>, you&#8217;re earning points two ways: First, you&#8217;ll earn 15 points per $1 spent as the standard member rate, then you&#8217;ll earn an additional 10 points per $1 spent from the credit card. This gives you the <strong>total earning rate of 25 points per $1 spent.<\/strong><\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-perks-and-benefits\">Perks and benefits<\/h3>\n\n\n\n<p>In terms of perks and benefits, you can see below how the offerings stack up across the whole family of credit cards.<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th class=\"has-text-align-center\" data-align=\"center\">PC mastercard<\/th><th class=\"has-text-align-center\" data-align=\"center\">pc world mastercard<\/th><th class=\"has-text-align-center\" data-align=\"center\">pc world elite mastercard<\/th><th class=\"has-text-align-center\" data-align=\"center\">pc insiders world elite mastercard<\/th><\/tr><\/thead><tbody><tr><td>Free PC Express Pass<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><\/tr><tr><td>Travel Emergency Medical Insurance<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><\/tr><tr><td>Car Rental Loss\/Damage Insurance<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><\/tr><tr><td>Purchase Protection<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><\/tr><tr><td>Extended Warranty<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><\/tr><tr><td>Identity Theft Assistant Service<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><\/tr><tr><td>Concierge Service<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>X<\/strong><\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>From the chart, you can see that the available benefits increase as you move from the <a href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-mastercard\/\">PC<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a>, with its incredibly accessible approval requirements, up to the <a href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-elite-mastercard\/\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> and the <a href=\"https:\/\/milesopedia.com\/en\/go\/pc-insiders-world-elite-mastercard\/\">PC Insiders\u2122 World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-pc-financial-mastercard-is-right-for-you\">Which PC Financial Mastercard is Right For You?<\/h2>\n\n\n\n<p>When it comes to choosing a <strong>PC Financial credit card<\/strong>, it essentially comes down to two questions:<\/p>\n\n\n\n<div class=\"component component__list\"><ol class=\"wp-block-list\">\n<li>Which minimum income requirement threshold do you meet?<\/li>\n\n\n\n<li>If you qualify for the World Elite card options, will you use the free PC Express Pass?<\/li>\n<\/ol><\/div>\n\n\n\n<p>To keep things simple, PC Financial actually lets you apply for all 3 of the no-annual-fee credit cards at the same time, matching you with the best card that you&#8217;re eligible for.<\/p>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/11\/PC-Financial-credit-cards-1-application-for-3-cards-EN-1024x407.png\" alt=\"PC Financial credit cards - 1 application for 3 cards EN\" loading=\"lazy\" width=\"1012\" height=\"402\">\n\t\t\t<\/figure>\n\n\n\n<p>Now, looking at question 2: if you meet the minimum income requirement for the <a href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-elite-mastercard\/\">PC<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> and the <a href=\"https:\/\/milesopedia.com\/en\/go\/pc-insiders-world-elite-mastercard\/\">PC Insiders\u2122 World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> then it&#8217;s worth weighing the value of the elevated earning rate and free <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/pc-express-pass\/\" type=\"post\" id=\"479105\" target=\"_blank\" rel=\"noreferrer noopener\">PC Express Pass<\/a> that comes with the latter.<\/p>\n\n\n\n<p>If you think that you can offset the $120 annual fee from the <a href=\"https:\/\/milesopedia.com\/en\/go\/pc-insiders-world-elite-mastercard\/\">PC Insiders\u2122 World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> through the elevated earning rates and by using the PC Express Pass and its perks then this card is worth considering. <\/p>\n\n\n\n<p>However, if you don&#8217;t think you&#8217;ll get $120 worth of extra value from this card, the <a href=\"https:\/\/milesopedia.com\/en\/go\/pc-financial-world-elite-mastercard\/\">PC<sup>&reg;<\/sup> World Elite Mastercard<sup>&reg;<\/sup><\/a> is the better choice since it doesn&#8217;t have an annual fee.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\t<span class=\"h6 component__notice__title\">\n\t\t\t\tEQB to acquire PC Financial in 2026\t\t\t<\/span>\n\t\t\t\t\n\n<p>In 2026, <a href=\"https:\/\/milesopedia.com\/en\/news\/finance\/eqb-to-acquire-pc-financial\/\" target=\"_blank\" rel=\"noreferrer noopener\">EQB, the owner of the digital-first EQ Bank, will acquire PC Financial<\/a> and all of its financial products, and it will also become the exclusive financial partner with the PC Optimum loyalty program.<\/p>\n\n\n\n<p>This means that PC Financial cardholders will eventually be migrated to an EQ-branded credit card, though the timeline for this is still unannounced.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"475681,479105\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p><strong>PC Financial credit cards<\/strong> are a solid choice for people who want a simple way to save a bit of money on common expenses like groceries, drugstore items, and gas. <\/p>\n\n\n\n<p>Although they&#8217;re not the most valuable or flexible points on the market, PC Optimum points can help you keep your budget in check and are great when redeemed for a nice treat that you wouldn&#8217;t otherwise have enjoyed.<\/p>\n\n\n\n<p>There are also other loyalty programs and credit cards that can help you save at the grocery stores and beyond, so check out guides below to see if these might be a good fit.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"378019,469205,232179\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-faqs\">FAQs<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_much_are_pc_optimum_points_worth_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow much are PC Optimum points worth?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>PC Optimum points are typically worth $10 off your bill for every 10,000 points you redeem at a participating store. <br><br>However, this redemption rate doesn&#8217;t tell the full story. PC Optimum points can also be redeemed at different values for savings on gas, car washes, statement credits, and more. <br><br>Check out <a href=\"\/?p=433981\" target=\"_blank\" rel=\"noreferrer noopener\">guide to earning and redeeming PC Optimum points<\/a> to learn about all your redemption options.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_contact_pc_financial_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I contact PC Financial?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You can contact PC Financial customer service by phone at 1-866-246-7262 from 8am to 8pm local time.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_contact_pc_optimum_customer_service_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I contact PC Optimum customer service?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>PC Optimum customer service can be reached at 1-866-727-6468. Their hours of operation are Monday to Friday from 8am to 8pm and Saturday from 9am to 5pm.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"do_pc_optimum_points_expire_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo PC Optimum points expire?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No, PC Optimum points don\u2019t expire.<\/p>\n\n\n\n<p>However, your PC Optimum account may be closed if there is no account activity for two years, so make sure to earn or redeem at least once every 24 months.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_apply_for_a_pc_optimum_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I apply for a PC Optimum credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Applying for a PC Optimum credit card through PC Financial is easy! Simply go to the <a href=\"https:\/\/www.pcfinancial.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">PC Financial website<\/a> and click &#8220;Apply Now.&#8221;<br><br>Thanks to the way the application process is designed, you will be matched with the most suited no-annual-fee credit card option, or you&#8217;ll be invited to sign up for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/pc-insiders-world-elite-mastercard\/\" type=\"card\" id=\"22762\" target=\"_blank\" rel=\"noreferrer noopener\">PC Insiders\u2122 World Elite Mastercard<sup>&reg;<\/sup>.<\/a><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_pay_my_pc_optimum_credit_card_bill_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I pay my PC Optimum credit card bill?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The two best ways to pay your PC Optimum credit card bill are as follows:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Pay via the PC Financial website or app by signing into your account<\/li>\n\n\n\n<li>Add your PC Financial\/PC Optimum credit card as a payee in the bill payment section of bank account (online or through their app), and pay the monthly bill from there<\/li>\n<\/ul><\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_a_pc_optimum_credit_card_worth_it_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs a PC Optimum credit card worth it?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Getting a PC Optimum credit card is definitely worth it if you&#8217;re a fan of the PC Optimum program, and you&#8217;d like to save money on groceries, beauty products, and more. <br><br>Since PC Financial offers three no-annual-fee PC Optimum credit cards, you can easily sign up for free and immediately start earning points on all your purchases.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Dig in to PC Financial&#8217;s four Mastercard offerings to find the right one for you and learn how you can earn piles of PC Optimum points.<\/p>","protected":false},"author":2499,"featured_media":473141,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"147193,472511,107951,312020,81458,248230","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48137],"tags":[],"mc_loyalty_program":[],"class_list":["post-472862","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>PC Optimum Credit Cards: Which Is the Right One For You? | Milesopedia<\/title>\n<meta name=\"description\" content=\"Find the right PC Financial credit card for you, and learn how you can earn PC Optimum points on all your purchases.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PC Optimum Credit Cards: Which Is the Right One For You?\" \/>\n<meta property=\"og:description\" content=\"Find the right PC Financial credit card for you, and learn how you can earn PC Optimum points on all your purchases.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-20T13:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-15T18:14:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/11\/PC-Financial-credit-cards-woman-with-phone-and-card.png\" \/>\n\t<meta property=\"og:image:width\" content=\"999\" \/>\n\t<meta property=\"og:image:height\" content=\"723\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Erin Partridge\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:site\" content=\"@milesopedia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/pc-financial-credit-cards-which-is-the-right-one-for-you\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/pc-financial-credit-cards-which-is-the-right-one-for-you\\\/\"},\"author\":{\"name\":\"Erin Partridge\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/633ed64ce568b5a88c481c0f1e5c8863\"},\"headline\":\"PC Optimum Credit Cards: Which Is the Right One For You?\",\"datePublished\":\"2026-03-20T13:30:00+00:00\",\"dateModified\":\"2026-04-15T18:14:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/pc-financial-credit-cards-which-is-the-right-one-for-you\\\/\"},\"wordCount\":1588,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/pc-financial-credit-cards-which-is-the-right-one-for-you\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/PC-Financial-credit-cards-woman-with-phone-and-card.png\",\"articleSection\":[\"Strategies\"],\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/pc-financial-credit-cards-which-is-the-right-one-for-you\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/pc-financial-credit-cards-which-is-the-right-one-for-you\\\/\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/pc-financial-credit-cards-which-is-the-right-one-for-you\\\/\",\"name\":\"PC Optimum Credit Cards: Which Is the Right One For You? | Milesopedia\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/pc-financial-credit-cards-which-is-the-right-one-for-you\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/pc-financial-credit-cards-which-is-the-right-one-for-you\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/PC-Financial-credit-cards-woman-with-phone-and-card.png\",\"datePublished\":\"2026-03-20T13:30:00+00:00\",\"dateModified\":\"2026-04-15T18:14:41+00:00\",\"description\":\"Find the right PC Financial credit card for you, and learn how you can earn PC Optimum points on all your purchases.\",\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/pc-financial-credit-cards-which-is-the-right-one-for-you\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/pc-financial-credit-cards-which-is-the-right-one-for-you\\\/#primaryimage\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/PC-Financial-credit-cards-woman-with-phone-and-card.png\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/PC-Financial-credit-cards-woman-with-phone-and-card.png\",\"width\":999,\"height\":723,\"caption\":\"PC Financial credit cards - woman with phone and card\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/\",\"name\":\"Milesopedia\",\"description\":\"Programmes de fid\u00e9lit\u00e9 et cartes de cr\u00e9dit au Canada\",\"publisher\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\",\"name\":\"Milesopedia Canada\",\"alternateName\":\"Milesopedia\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/MILESOPEDIA-logo-cmjn-black-V3@4x.png\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/MILESOPEDIA-logo-cmjn-black-V3@4x.png\",\"width\":1600,\"height\":261,\"caption\":\"Milesopedia Canada\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/milesopedia\",\"https:\\\/\\\/x.com\\\/milesopedia\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/milesopedia\",\"https:\\\/\\\/www.tiktok.com\\\/@milesopedia\",\"https:\\\/\\\/www.youtube.com\\\/milesopedia\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/633ed64ce568b5a88c481c0f1e5c8863\",\"name\":\"Erin Partridge\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/Erin-Partridge-Hamayda-Author-Page-Photo-200x160.jpeg\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/Erin-Partridge-Hamayda-Author-Page-Photo-200x160.jpeg\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/Erin-Partridge-Hamayda-Author-Page-Photo-200x160.jpeg\",\"caption\":\"Erin Partridge\"},\"description\":\"Erin Partridge enjoys travelling slowly and taking her time to get to know each new place. \\u2028She\u2019s had the opportunity to live in Canada and South Korea, with shorter stints in Vietnam, Malaysia, Mexico, Spain, and more.\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/author\\\/erin-partridge\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"PC Optimum Credit Cards: Which Is the Right One For You? | Milesopedia","description":"Find the right PC Financial credit card for you, and learn how you can earn PC Optimum points on all your purchases.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/","og_locale":"en_US","og_type":"article","og_title":"PC Optimum Credit Cards: Which Is the Right One For You?","og_description":"Find the right PC Financial credit card for you, and learn how you can earn PC Optimum points on all your purchases.","og_url":"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/","og_site_name":"Milesopedia","article_publisher":"https:\/\/www.facebook.com\/milesopedia","article_published_time":"2026-03-20T13:30:00+00:00","article_modified_time":"2026-04-15T18:14:41+00:00","og_image":[{"width":999,"height":723,"url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/11\/PC-Financial-credit-cards-woman-with-phone-and-card.png","type":"image\/png"}],"author":"Erin Partridge","twitter_card":"summary_large_image","twitter_creator":"@milesopedia","twitter_site":"@milesopedia","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/#article","isPartOf":{"@id":"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/"},"author":{"name":"Erin Partridge","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/person\/633ed64ce568b5a88c481c0f1e5c8863"},"headline":"PC Optimum Credit Cards: Which Is the Right One For You?","datePublished":"2026-03-20T13:30:00+00:00","dateModified":"2026-04-15T18:14:41+00:00","mainEntityOfPage":{"@id":"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/"},"wordCount":1588,"commentCount":0,"publisher":{"@id":"https:\/\/milesopedia.com\/en\/#organization"},"image":{"@id":"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/#primaryimage"},"thumbnailUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/11\/PC-Financial-credit-cards-woman-with-phone-and-card.png","articleSection":["Strategies"],"inLanguage":"en-CA","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/","url":"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/","name":"PC Optimum Credit Cards: Which Is the Right One For You? | Milesopedia","isPartOf":{"@id":"https:\/\/milesopedia.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/#primaryimage"},"image":{"@id":"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/#primaryimage"},"thumbnailUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/11\/PC-Financial-credit-cards-woman-with-phone-and-card.png","datePublished":"2026-03-20T13:30:00+00:00","dateModified":"2026-04-15T18:14:41+00:00","description":"Find the right PC Financial credit card for you, and learn how you can earn PC Optimum points on all your purchases.","inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/"]}]},{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/en\/guide\/strategy\/pc-financial-credit-cards-which-is-the-right-one-for-you\/#primaryimage","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/11\/PC-Financial-credit-cards-woman-with-phone-and-card.png","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/11\/PC-Financial-credit-cards-woman-with-phone-and-card.png","width":999,"height":723,"caption":"PC Financial credit cards - woman with phone and card"},{"@type":"WebSite","@id":"https:\/\/milesopedia.com\/en\/#website","url":"https:\/\/milesopedia.com\/en\/","name":"Milesopedia","description":"Programmes de fid\u00e9lit\u00e9 et cartes de cr\u00e9dit au Canada","publisher":{"@id":"https:\/\/milesopedia.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/milesopedia.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-CA"},{"@type":"Organization","@id":"https:\/\/milesopedia.com\/en\/#organization","name":"Milesopedia Canada","alternateName":"Milesopedia","url":"https:\/\/milesopedia.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/01\/MILESOPEDIA-logo-cmjn-black-V3@4x.png","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/01\/MILESOPEDIA-logo-cmjn-black-V3@4x.png","width":1600,"height":261,"caption":"Milesopedia Canada"},"image":{"@id":"https:\/\/milesopedia.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/milesopedia","https:\/\/x.com\/milesopedia","https:\/\/www.linkedin.com\/company\/milesopedia","https:\/\/www.tiktok.com\/@milesopedia","https:\/\/www.youtube.com\/milesopedia"]},{"@type":"Person","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/person\/633ed64ce568b5a88c481c0f1e5c8863","name":"Erin Partridge","image":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/02\/Erin-Partridge-Hamayda-Author-Page-Photo-200x160.jpeg","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/02\/Erin-Partridge-Hamayda-Author-Page-Photo-200x160.jpeg","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/02\/Erin-Partridge-Hamayda-Author-Page-Photo-200x160.jpeg","caption":"Erin Partridge"},"description":"Erin Partridge enjoys travelling slowly and taking her time to get to know each new place. \u2028She\u2019s had the opportunity to live in Canada and South Korea, with shorter stints in Vietnam, Malaysia, Mexico, Spain, and more.","url":"https:\/\/milesopedia.com\/en\/author\/erin-partridge\/"}]}},"_links":{"self":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/472862","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/users\/2499"}],"replies":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/comments?post=472862"}],"version-history":[{"count":30,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/472862\/revisions"}],"predecessor-version":[{"id":492643,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/472862\/revisions\/492643"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/media\/473141"}],"wp:attachment":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/media?parent=472862"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/categories?post=472862"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/tags?post=472862"},{"taxonomy":"mc_loyalty_program","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/mc_loyalty_program?post=472862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}