Compare all PC Financial credit cards. PC World Elite Mastercard, PC Mastercard, and the PC Insiders™ World Elite Mastercard reviewed and ranked.
It comes with a welcome bonus of 150,000 points. You earn 1.25x on groceries and 2x at restaurants. Estimated first-year value is $2,988.
Aeroplan
It comes with a welcome bonus of 170,000 points. You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $2,560.
Amex Membership Rewards
The CIBC Aeroplan Visa Business Card offers a first year annual fee rebate (regular fee $180/yr). It comes with a welcome bonus of 75,000 points. You earn 1x on groceries and 1.5x at restaurants. Estimated first-year value is $2,088.
Aeroplan
It comes with a welcome bonus of 100,000 points. You earn 1.5x on groceries and 1.25x at restaurants. Estimated first-year value is $2,055.
Aeroplan
It comes with a welcome bonus of 90,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,826.
Aeroplan
It comes with a welcome bonus of 85,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $1,811.
Aeroplan
It comes with a welcome bonus of 120,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,715.
Amex Membership Rewards
The BMO VIPorter World Elite Mastercard offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,644.
Porter VIPorter
Ends Jun 30, 2026
The CIBC Aeroplan Visa Infinite Card offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of 50,000 points. You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $1,584.
Aeroplan
It comes with a welcome bonus of 100,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,520.
RBC Avion Rewards
Complete Guide
Compare all PC Financial credit cards. PC World Elite Mastercard, PC Mastercard, and the PC Insiders™ World Elite Mastercard reviewed and ranked.
PC Financial (the financial services arm of Loblaw Companies) offers a small lineup of Mastercard credit cards built around the PC Optimum loyalty program. If you shop regularly at Loblaws, No Frills, Real Canadian Superstore, Shoppers Drug Mart, or Esso, a PC Financial Mastercard accelerates your PC Optimum points earning dramatically.
The PC Insiders™ World Elite Mastercard and PC World Elite Mastercard earn the highest PC Optimum multipliers at participating Loblaw banner stores. The no-fee PC Mastercard is a solid entry-level option for occasional shoppers. All cards combine with PC Optimum's weekly personalized offers for additional points stacking.
PC Financial cards are best for Canadian households who consolidate groceries and pharmacy purchases at Loblaw-owned banners. Outside of that ecosystem, earn rates are average, so a PC card typically pairs well with a broader cashback or travel card.
166
Cards analyzed
Jun 2026
Last updated
100%
Independent
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.
FAQ
The PC Insiders™ World Elite Mastercard is the top pick for active PC Optimum collectors, offering the highest points multipliers at Loblaw banner stores. The no-fee PC Mastercard is the best option if you want to avoid an annual fee.
The basic PC Mastercard has no annual fee. The PC World Elite Mastercard and PC Insiders™ World Elite Mastercard have higher income requirements but also no annual fee, making PC Financial one of the few issuers offering World Elite-tier cards with $0 fee.
PC Optimum points can be redeemed for groceries at any Loblaw banner store (Loblaws, No Frills, Maxi, Provigo, Real Canadian Superstore, Real Atlantic Superstore) and at Shoppers Drug Mart / Pharmaprix. 10,000 points = $10 off.
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
