Compare PC Financial Mastercard options. Earn PC Optimum points on groceries at Loblaws, No Frills, Shoppers Drug Mart, and more.
The PC Insiders World Elite Mastercard offers a first year annual fee rebate (regular fee $120/yr). You earn 40x on groceries and 10x at restaurants. Estimated first-year value is $457.
PC Optimum
The PC World Mastercard has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 20,000 points. You earn 20x on groceries and 10x at restaurants. Estimated first-year value is $426.
PC Optimum
The PC World Elite Mastercard has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 20,000 points. You earn 30x on groceries and 10x at restaurants. Estimated first-year value is $420.
PC Optimum
The PC Mastercard has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 20,000 points. You earn 10x on groceries and 10x at restaurants. Estimated first-year value is $360.
PC Optimum
Complete Guide
Compare PC Financial Mastercard options. Earn PC Optimum points on groceries at Loblaws, No Frills, Shoppers Drug Mart, and more.
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.
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.
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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
Each point is worth 1 cent. You need 10,000 points to redeem $10 in free groceries at any Loblaw banner store.
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.
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
