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Best PC Optimum Credit Cards in Canada

Best PC Optimum Credit Cards in Canada
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PC Optimum credit cards earn points at Loblaw stores, Shoppers Drug Mart, and Esso stations — making them ideal for everyday grocery and pharmacy spending. For a full comparison across all categories, see the best credit cards in Canada.

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$0Welcome offer
20,000 points
Apply Now
Annual fee$0Welcome offer
20,000 points
Apply Now
Annual fee$0Welcome offer
20,000 points
Apply Now
Annual fee$120 $0Welcome offer
No welcome offer
Apply Now

PC Financial World Elite Mastercard

With the PC Financial World Elite Mastercard, you get:

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

This means that you get between 1 and 4.5% 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.

What’s more, this credit card has no annual fee.

Annual fee
$0
Our valuation
$20
Milesopedia first-year estimateFirst-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
20,000 points
Apply Now

on PC Financial's website

The PC World Elite Mastercard currently offers a 20,000 PC Optimum points welcome bonus after spending $50 in the first two months, with no annual fee. With this Card:

  • 4.5% back in points at Shoppers Drug Mart® and Pharmaprix®5
  • Get 3% back in points at Loblaw banner grocery stores including Loblaws®, No Frills®, Real Canadian Superstore®, Maxi® and at Joe Fresh.
  • At least 3¢ per litre back in points on fuel at Esso and Mobil
  • 1% back in points per dollar spent everywhere else

This means you get between 1% and 4.5% back on your purchases made at PC Optimum stores. You can then use your points for discounts at checkout or convert them into $7 credit per 10,000 points directly on your card balance.

Additionally, this card includes travel medical insurance, rental car collision insurance, a concierge service, and 90-day purchase assurance—rare benefits for a no-annual-fee card.

Annual fee

Primary card$0
Additional card$0

Annual income required

Individual$80,000
Household$150,000

Conversion fees

2.5%

Earning rate

  • 45xPharmacy
  • 30xGroceries
  • 10xAll spending

Value

1st Year Value$509
2nd Year Value$336

Travel insurance

Travel medical (under 55)Included
Travel medical (55-64)Included

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 31 days

PC Financial World Mastercard

With the PC Financial World Mastercard, you earn:

  • 35 PC Optimum points per dollar spent at Shoppers Drug Mart
  • 20 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 3.5% 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.

Annual fee
$0
Our valuation
$20
Milesopedia first-year estimateFirst-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
20,000 points
Apply Now

on PC Financial's website

With a welcome bonus of 20,000 PC Optimum points after spending $50 in the first two months and no annual fee, the PC World Mastercard is a solid option for regular customers in the Loblaw ecosystem. Here’s what it offers:

  • 3.5% back in points at Shoppers Drug Mart and Shoppers Drug Mart
  • At least 3¢ per litre back in points at Esso and Mobil stations
  • Earn 2% back in points at Loblaw banner grocery stores including Loblaws®, No Frills®, Real Canadian Superstore®, Maxi® and more3.
  • 1% back in points everywhere else

In practical terms, this represents between 1% and 3.5% back on your purchases at PC Optimum partner stores. Your points can be redeemed for discounts at checkout or converted into a $7 statement credit for every 10,000 points.

The card also includes a 24/7 concierge service, 90-day purchase assurance, an extended warranty, and Mastercard Global Service in case of emergency — all without paying a single dollar in annual fees.

Annual fee

Primary card$0
Additional card$0

Annual income required

Individual$50,000
Household$80,000

Conversion fees

2.5%

Earning rate

  • 35xPharmacy
  • 30xGas & EV
  • 20xGroceries
  • 10xAll spending

Value

1st Year Value$467
2nd Year Value$288

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years

PC Financial Mastercard

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.

Annual fee
$0
Our valuation
$20
Milesopedia first-year estimateFirst-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
20,000 points
Apply Now

on PC Financial's website

The PC Mastercard offers a 20,000 PC Optimum welcome bonus after you spend $50 in the first two months, all with no annual fee. It’s an ideal entry-level card to start earning points within the Loblaw ecosystem.

  • 1% back in points at Loblaw banner grocery stores, including LoblawsMD, No FrillsMD, Real Canadian SuperstoreMD, MaxiMD, and other locations3.
  • At least 3¢ per litre back in points on fuel at Esso and Mobil stations
  • 2.5% back in points at Shoppers Drug Mart and Pharmaprix
  • 1% back in points at Joe Fresh
  • 1% back in points everywhere else

This way, you earn between 1% and 3% back on your purchases at PC Optimum stores. Your points can then be redeemed for discounts at checkout or a $7 credit per 10,000 points applied directly to your card balance.

With its 90-day purchase assurance, extended warranty, and Mastercard Global Service, this card offers valuable protections for a no-annual-fee card.

Annual fee

Primary card$0
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 30xGas & EV
  • 25xPharmacy
  • 10xAll spending

Value

1st Year Value$377
2nd Year Value$240

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years

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