Illustration, not the actual card design.
PC Financial · Earns PC Optimum points
PC World Mastercard
Annual fee
None
Welcome offer
Up to 50,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $100 at participating stores within 60 days of account approval.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$50
+$50 welcome bonus
+$0 yearly credits
−$0 fee
Year 2
$0
+$0 yearly credits
−$0 fee
Every year after
$0
+$0 yearly credits
−$0 fee
Plus 4 benefits with no fixed dollar value, like Complimentary Concierge, Mastercard Global Service and Purchase Assurance. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 11, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Dec 31, 2026. Only for new PC Financial Mastercard cardholders who apply by December 31, 2026. The $100 in purchases must be made with the new card at participating Loblaw banner grocery stores, The Mobile Shop, Joe Fresh, Shoppers Drug Mart, Pharmaprix, Esso or Mobil stations in Canada, within 60 days of the date of the email confirming your account is approved. Refunds and merchant credits received in that period reduce the total, and cash advances, balance transfers, interest and fees do not count. The account must be open and in good standing when the points are awarded. One offer per new account, it can't be combined with other offers, and PC Financial can change or end it at any time.
- 1Spend $100 at participating stores within 60 days of account approval50,000 pts≈ $50 est.Year 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 0.1¢ per PC Optimum point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Loblaws | 20 pts per $ | 2¢ |
| Shoppers Drug Mart | 20 pts per $ | 2¢ |
| No Frills | 20 pts per $ | 2¢ |
| Real Canadian Superstore | 20 pts per $ | 2¢ |
| Everything else | 10 pts per $ | 1¢ |
What else you get
Perks
- Complimentary Concierge
24/7 assistance arranging travel, entertainment, business and shopping
- Mastercard Global Service
Lost or stolen card reporting, emergency card replacement or cash advance, ATM locator
Insurance
- Purchase Assurance
Theft, loss or damage to items bought with the card, first 90 days, when you pay in full with the card
- Extended Warranty
Doubles the manufacturer's regular warranty, up to 1 additional year, on eligible items
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by PC Financial. Card and program names belong to their owners.
Details last checked Oct 11, 2026.