Best PC Optimum Credit Cards in Canada

Compare PC Financial Mastercard options. Earn PC Optimum points on groceries at Loblaws, No Frills, Shoppers Drug Mart, and more.

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Best PC Optimum Credit Cards in Canada

Compare PC Financial Mastercard options. Earn PC Optimum points on groceries at Loblaws, No Frills, Shoppers Drug Mart, and more.

Why PC Optimum?

PC Optimum is one of Canada's largest loyalty programs with 18+ million members. If you shop at Loblaws, No Frills, Real Canadian Superstore, Shoppers Drug Mart, or Esso, a PC Financial Mastercard accelerates your points earning dramatically.

How PC Optimum Points Work

PC Optimum points are worth 1 cent per point when redeemed for groceries or merchandise. The PC World Elite Mastercard earns up to 30 points per dollar at PC stores, plus bonus points on gas. Combined with weekly personalized offers, you can earn hundreds of dollars in free groceries every year.

Cards analyzed

May 2026

Last updated

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Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

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FAQ

Frequently Asked Questions

1What is a PC Optimum point worth?

Each point is worth 1 cent. You need 10,000 points to redeem $10 in free groceries at any Loblaw banner store.

2Is the PC World Elite Mastercard worth it?

If you spend $500+/month at PC stores and Shoppers, the World Elite version ($119/yr) easily earns 3-5x its fee. The no-fee PC Mastercard is best for light spenders.

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Best PC Optimum Credit Cards in Canada