PC Financial Mastercard
Last updated:
No annual fee
Opens issuer website
Key Details
Annual Fee
$0
Network
mastercard
Credit Required
good
Reward Type
points
Rewards Earn Rates
1x
Groceries
0.5x
Gas
0.5x
Dining
0.5x
Travel
0.5x
Everything Else
Highlights
- No annual fee
- 10 PC Optimum points per $1 at Shoppers/Loblaws
- 5 points per $1 everywhere else
- PC Optimum integration
Pros & Cons
Pros
- + No annual fee
- + Strong earn rate at Loblaws/Shoppers Drug Mart
- + Integrates with PC Optimum program
- + Free groceries with points
Cons
- – Points only for Loblaws/Shoppers redemption
- – Low earn rate outside PC stores
- – Lower tier than World Elite
Who Is This Card For?
The PC Financial Mastercard is best suited for Canadians who prioritize no-fee, groceries, points spending. With no annual fee, it's an excellent choice for anyone who wants rewards without ongoing costs.
Benefits Breakdown
Is this card worth it for you?
Use our rewards estimator to see how much you'd earn based on your spending.
Frequently Asked Questions
Ready to Apply?
Visit the issuer's website to confirm current terms and apply.
Apply for PC Financial MastercardAffiliate link · Disclosure
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Sources
Last verified: 2026-03-01. Offers and terms can change. Always confirm details on the issuer's website before applying.