PC® Mastercard®
PC Financial · MASTERCARD
The PC® Mastercard® is a credit card from PC Financial on the MASTERCARD network. It has an annual fee of C$0. It earns 2.50% on health & pharmacy, 1% on groceries, 1% on shopping. The welcome offer is Earn 50,000 bonus PC Optimum™ Points.
Key facts
- Annual fee
- C$0
- Purchase APR
- 21.99%
- Network
- MASTERCARD
- Welcome offer
- Earn 50,000 bonus PC Optimum™ Points
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Health & pharmacy | 2.50% | 2.5% back in points at Shoppers Drug Mart® and Pharmaprix® |
| Groceries | 1% | 1% back in points at our grocery stores |
| Shopping | 1% | 1% back in points at Joe Fresh® |
| Everything else | 1% | 1% back in points on dining, transit, and everywhere else |
Benefits and perks
- 3¢ per litre back in points at Esso and Mobil stations
- Purchase Assurance: In the event of theft, loss or damage in the first 90 days when you pay in full with your PC® Mastercard® 6.
- Extended Warranty: Doubles the manufacturer’s regular warranty for up to an additional year on eligible items purchased with your PC® Mastercard® 6.
- Mastercard Global Service: Replaces your card or offers a cash advance in case of emergency 7.
Rates and fees
Annual membership fee: C$0. Purchase APR: 21.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 22.97%.
Rates and fees as published by the issuer and recorded on 10 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the PC® Mastercard®
What is the annual fee on the PC® Mastercard®?
The PC® Mastercard® has an annual fee of C$0.
What rewards does the PC® Mastercard® earn?
The PC® Mastercard® earns 2.50% on health & pharmacy, 1% on groceries, 1% on shopping, 1% on everything else.
Is the PC® Mastercard® worth it?
The PC® Mastercard® is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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