Cash Back
No Annual Fee
Rewards
PC® Mastercard®
PC Financial
Welcome Bonus:
Earn 50,000 bonus PC Optimum™ points
Exp: May 12, 2026
Secure RateBuddy connection · Application completed on PC Financial’s site
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 APR | 21.99% |
|---|---|
| Cash Advance APR | 22.97% |
| Annual Fee | $0 |
| Supplementary Card Fee | $0 |
| Foreign Transaction Fee | 2.50% |
| Grace Period | 21 days |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Cash Back
No Annual Fee
Rewards
Secure RateBuddy connection