PC Financial Mastercard 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

PC Financial Mastercard4.8/5

PC Financial

Annual fee
CA$0
Rewards rate
2.5%-1%
Welcome Bonus
50,000 PC Optimum points
Apply Now →on PC Financial's website

  • 2.5%Cash back at Shoppers Drug Mart® stores
  • 1%Cash back on all other purchases

Welcome Bonus:

Enjoy 50,000 bonus PC OptimumTM points when you apply for the no annual fee PC® Mastercard® by May 12, 2026.

Reward Rate:

Earn 2.5% back in points at Shoppers Drug Mart® stores and 1% back in points when you shop elsewhere.

The PC Financial Mastercard stands out as the top choice because it offers a generous rewards structure with 2.5% back at Shoppers Drug Mart, making it ideal for frequent shoppers at this retailer. Its no annual fee feature adds to its appeal, providing excellent value for everyday purchases.

Pros:

  • No annual fee
  • High rewards at Shoppers Drug Mart

Cons:

  • High interest rates
  • Limited to PC Optimum points
Apply now →

The PC Financial Mastercard is a solid option for consumers who frequently shop at Shoppers Drug Mart and are looking to maximize their rewards without incurring an annual fee. With a competitive rewards structure and a substantial welcome bonus, it is particularly well-suited for those who prioritize earning points on everyday purchases.

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