PC Mastercard
Niche cardWhat the roles mean
- Shoppers Drug Mart and Pharmaprix: 25 points per $1 (about 2.5% back), with no annual fee
Earn a one-time bonus of 50,000 PC Optimum points (≈ $50 at 0.1¢/pt) when you spend $100 or more at participating stores within 60 days of account approval.
Ends December 31, 2026.
Checked on PC Financial's own page October 21, 2026. See PC Financial's page
What it earns in a year
369,000 points a year
Worth about $369.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Gas / EV: 30× points.
- Drugstore / pharmacy: 25× points.
- Everything else: 10× points.
Highlighted = use this card here.
Using your points
On the spending above, 369,000 points a year, worth $369.
- What a point buys (0.1¢): At Loblaw stores and Shoppers: 1,000 points = $1. Same value in store. Statement credit pays less (10,000 points = $7)
How to apply for the PC Mastercard
Check first
- Welcome offer for new PC Financial Mastercard cardholders only: apply by December 31, 2026
- One application, three cards: PC Financial decides whether you get the PC, PC World or PC World Elite Mastercard
- Check you qualify No minimum income listed. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on PC Financial's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on PC Financial's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Shoppers Drug Mart / Pharmaprix: every purchase. This is the card's best rate
- Esso and Mobil gas: fine here at 30 points per litre (about 3¢/L)
- Loblaw-banner groceries: only 10 points per $1 (1%). A grocery card does better
- Everything else: use another card. This one pays 1%, in points you can spend only at Loblaw and Shoppers stores
- Example: $100/month at Shoppers = 30,000 points = $30 a year
Key facts
- Annual fee
- $0
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- None published
- Min. household income
- None published
- Rewards
- PC OptimumSee every PC Optimum card
Annual fee waiver
- No annual fee
From pcfinancial.ca PC Mastercard page, checked October 17, 2026. Not an affiliate link.
More PC Financial cards
Neo World Elite Mastercard
- This card: gas / ev, dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, bills & subscriptions
- Together: $712 a year after both fees, vs $369 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, dining & restaurants, transit, entertainment makes it $897 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- No annual fee
- 25 points per $1 at Shoppers Drug Mart / Pharmaprix (about 2.5%)
- 30 points per litre at Esso and Mobil
- Welcome offer: 50,000 points (about $50) when you spend $100 at participating stores in 60 days; apply by December 31, 2026
- Purchase protection and extended warranty included
- No minimum income
Cons
- Points (1,000 = $1) can be spent only at Loblaw-banner stores, Shoppers and PC Travel
- Groceries earn only 10 points per $1 (1%), the same as everything else
- Statement credit pays less: 10,000 points = $7
- No travel or rental-car insurance
- 2.5% on foreign-currency purchases
- 21.99% purchase interest
- You apply once; PC Financial decides whether you get the PC, PC World or PC World Elite card
Insurance included
- Purchases: 90 days of theft/loss/damage cover, $50,000 lifetime per account
- Extended warranty: doubles the maker's warranty, up to +1 year
Maximums as PC Financial lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Pay with Points: redeem at checkout in $10 steps (10,000 points)
- PC Optimum app: load weekly personal offers, which earn on top of the card
- Esso and Mobil: at least 30 points per litre
Other cards for drugstore / pharmacy
Back a year on $600 of drugstore / pharmacy, caps included. Points at best-case value. Before annual fees.
| Card | Earns on drugstore / pharmacy | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| PC Insiders World Elite Mastercard | 50× points≈ 5.0% in value | $30 | $120 | October 23, 2026 |
| PC World Elite Mastercard | 45× points≈ 4.5% in value | $27 | $0 | October 21, 2026 |
| Amex Gold Rewards | 2× points≈ 4.0% in value | $24 | $250 | October 21, 2026 |
| BMO eclipse Visa Infinite Privilege | 5× points≈ 3.4% in value | $20 | $599 | November 2, 2026 |
| Rogers Red World Elite | 2% back≈ 3.0% in value | $18 | $0 | October 21, 2026 |
| CIBC Aventura Visa Infinite | 1.5× points≈ 3.0% in value | $18 | $139 | October 21, 2026 |
| PC Mastercard | 25× points≈ 2.5% in value | $15 | $0 | October 21, 2026 |
How the offer has changed
One row per check of PC Financial's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | 50,000 bonus PC Optimum points when you spend $100+ at participating stores (Loblaw banners, The Mobile Shop, Joe Fresh, Shoppers/Pharmaprix, Esso/Mobil) within 60 days of approval; new PC Financial Mastercard cardholders who apply by December 31, 2026Unchanged: offer, footnote, earn rates and 21.99% / 22.97% APRs match | $0 (no annual fee) | December 31, 2026 |
| October 17, 2026 | 50,000 bonus PC Optimum points when you spend $100+ at participating stores (Loblaw banners, The Mobile Shop, Joe Fresh, Shoppers/Pharmaprix, Esso/Mobil) within 60 days of approval; new PC Financial Mastercard cardholders who apply by December 31, 2026Changed: was 20,000 pts on $50 spend. The page is now a single get-matched application for PC / PC World / PC World Elite | $0 (no annual fee) | December 31, 2026 |
General information, not financial advice. Offers change; confirm on PC Financial's page before you apply.