PC® Mastercard®
Cash Back No Annual Fee Rewards

PC® Mastercard®

PC Financial PC Financial
Welcome Bonus: Earn 50,000 bonus PC Optimum™ points Exp: May 12, 2026
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Annual Fee $0
Purchase APR 21.99%
Cash Advance 22.97%
Bonus Value $50

RateBuddy Verdict

The Good
  • Accessible to most credit profiles with no minimum income requirement.
  • Zero annual fee while still earning PC Optimum points on every purchase.
The Trade-offs
  • Base earn rates are quite low compared to the higher tier PC cards.
  • Lacks travel insurance or advanced purchase protections.

Rewards & Earnings

Groceries 1%
Dining 1%
Gas 2%
Travel 1%
Recurring Bills 1%
Base Rate 1%
Rewards Summary: • 2.5% back in points at Shoppers Drug Mart® and Pharmaprix® • 1% back in points at PC grocery stores • 1% back in points at Joe Fresh® • At least 3¢ / litre back in points at Esso™ and Mobil™ stations • 1% back in points on dining, transit, and everywhere else

Welcome Bonus Details

Enjoy 50,000 bonus PC Optimum™ points when you apply for the no annual fee PC® Mastercard®.

Estimated Value: $50
Expires: May 12, 2026

Features & Benefits

No Annual Fee
$0 No Annual Fee
Extended Warranty Insurance
Extended Warranty included
Purchase Security Insurance
Purchase Assurance included

Insurance Coverage

• Purchase Assurance • Extended Warranty • Mastercard Global Service™

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR22.97%
Annual Fee$0
Supplementary Card Fee$0
Foreign Transaction Fee2.50%
Grace Period21 days
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Cash Back No Annual Fee Rewards
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