PC® Mastercard®
PC Financial
Annual fee
CA$0
Rewards rate
4.5%-1%
Welcome Bonus
20,000 PC Optimum™ points
Apply Now →on PC Financial's website
- 4.5%Cash back at Shoppers Drug Mart® stores
- 4%Cash back at participating Loblaw banner stores
- 1%Cash back on all other purchases
Welcome Bonus:
Earn 20,000 PC Optimum™ points (worth $20) after spending $50 or more in total qualifying purchases within 60 days of approval.
Reward Rate:
Earn 1% to 4.5% back in points depending on where you shop.
The PC® Mastercard® stands out as the top choice because it offers a no-annual-fee structure while providing significant rewards on grocery purchases, making it ideal for everyday shoppers.
Pros:
- No annual fee
- High rewards at grocery stores
Cons:
- Limited to specific retailers
- Points can expire
The PC® Mastercard® is a suitable option for consumers who frequently shop for groceries and seek to maximize their rewards without incurring an annual fee. With a competitive rewards rate and a generous welcome bonus, it appeals particularly to those who are loyal to the PC Optimum™ program and prioritize everyday spending efficiency.