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Best PC Credit Cards in Canada for November 2025
Published Nov 25, 2025 12:23 PM • 5 min read
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Credit Card ExpertPC Financial credit cards are best suited to those who frequently shop at Shoppers Drug Mart, Loblaws branded grocery stores, and Esso and Mobil gas stations.
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FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
PC World Elite Mastercard: Best Overall
PC Insiders™ World Elite® Mastercard®: Best PC Point Collector
PC® World Mastercard®: Best Basic Option
PC® Mastercard®: Best Accessible Card
Best PC Financial Credit Cards in Canada
Our choice for: Best Overall
APPLY NOW
on PC Financial's website
Welcome Bonus
20,000 PC points ($20 value)
Annual Fee
$0
Interest Rates
21.99% / 22.97%
This is a great card to have in your arsenal if you frequently shop at Shoppers Drug Mart®, Loblaw's owned chains, and ESSO and Mobil gas stations, as you will earn significant rewards in these categories. The additional benefits, such as out-of-province medical insurance, car rental damage insurance, and concierge service, are impressive and typically only come with cards that have annual fees; however, you can access these benefits for free with this card. We do not recommend using this as your primary credit card but as a supplement to another primary card, especially because there are no fees. This is because the rewards on purchases outside the mentioned shops are very average, and many other cards offer much more substantial rewards for general use.
Pros
- Out-of-province medical insurance, concierge service, and car rental damage insurance—benefits that are usually included with cards that have fees—are included with this card.
- Decent rewards on purchases at Shoppers Drug Mart®, Loblaw's owned chains, and ESSO and Mobil gas stations.
Cons
- Many other high-spend categories don't earn as many rewards. Shopping at any other grocery chains, gas stations, or pharmacies will only give the base reward rate, and restaurant purchases and purchases in other categories don't earn much either.
Rewards
- 45 points per $1 dollar spent at Shoppers Drug Mart® stores
- 30 points per $1 dollar spent at Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi & cie, no frills, Provigo, Real Canadian Superstore, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs
- 20 points per $1 spent in PC travel
- 19 points per $1 dollar spent at ESSO and Mobil (it's 30 points per liter and the assumption of average gas price of $1.6 was made)
- 10 points per $1 dollar spent for everything else
Insurance
Coverage
Travel Medical Insurance
$1M, Up to 10 days.svg)
Car Rental Damage & Theft
Up to 31 days
Purchase Protection
90 days
Extended Warranty
Doubled up to a year
Benefits
Details
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Concierge Services
Identity Theft Assistance
Eligibility
Credit Score
Very GoodAnnual Income
$80,000 personal or $150,000 household
Our choice for: Best PC Point Collector
APPLY NOW
on PC Financial's website
Welcome Bonus
Up to 150,000 PC Optimum™ points ($150 value)
Annual Fee
$120 $0
Interest Rates
21.99% - 26.99% (not for Quebec) / 22.97% - 27.97% (not for Quebec)
The PC Insiders™ World Elite® Mastercard® is a great card for individuals who frequently shop at Loblaw banner stores, Shoppers Drug Mart®, and Joe Fresh®, and want to maximize their rewards through the PC Optimum™ program. With high point-earning rates and premium perks, it offers great value, especially in the first year when the annual fee is waived. However, the card’s benefits may not justify the $120 annual fee for those who do not regularly shop at these stores.
Pros
- Generous points system: High points earned at Loblaw banner stores, Shoppers Drug Mart®, Joe Fresh®, and Esso™/Mobil™ stations, making it ideal for frequent shoppers at these stores.
- PC Express™ Pass: Unlimited $0 online grocery delivery and pickup, valued at $99.99 per year for eligible orders.
- Additional perks: 24/7 concierge services, Mastercard Global Service™, car rental insurance, and identity theft assistance.
- Travel emergency medical insurance: Covers trips up to 10 days for individuals under 65 years of age.
- Extended warranty and purchase assurance: Free purchase assurance covers theft, loss, or damage for 90 days, and extended warranty doubles the manufacturer's warranty for up to an additional year.
Cons
- Annual fee: After the first year, the $120 annual fee applies, which may be high for some users, especially those who don’t maximize their spending at PC-affiliated stores.
- Lower earn rate for general purchases: The card offers only 10 points per $1 on purchases outside of Loblaw banner stores, Shoppers Drug Mart®, and other affiliated partners.
- Income requirements: There may be income requirements to qualify for this World Elite card, making it less accessible for some applicants.
Rewards
- Up to 70 points per litre (7¢ / litre in points)* at Esso™ and Mobil™ stations in Canada (50 points / litre + 20 points / litre extra when you fill up over 150 litres in one calendar month)
- 50 points per $1 dollar spent at Shoppers Drug Mart® stores
- 40 points per $1 dollar spent at Loblaw® banner grocery stores (e.g. Loblaws®, Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi® & cie, no frills®, Provigo, Real Canadian Superstore®, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs) 40 points per $1 spent Joe Fresh® stores
- 20 points per $1 spent in PC travel
- 10 points per $1 dollar spent on all other purchases
- Unlimited $0 grocery delivery and pickup on eligible orders of $35 or more with a complimentary PC Express™ Pass (valued at $99.99 per year)
Insurance
Coverage
Travel Medical Insurance
$1M/person, up to 10 daysCar Rental Damage & Theft
Vehicle MSRP under $65,000 and up to 31 consecutive daysPurchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Concierge Services
24/7 concierge serviceIdentity Theft Assistance
avoid identity theft or restore identity
Eligibility
Credit Score
Very GoodAnnual Income
$80,000 personal or $150,000 household
Our choice for: Best Basic Option
APPLY NOW
on PC Financial's website
Welcome Bonus
20,000 PC points ($20 value)
Annual Fee
$0
Interest Rates
21.99% - 26.99% (not for Quebec) / 22.97% - 27.97% (not for Quebec)
The PC® World Mastercard® is a great no-fee card for those who frequently shop at Loblaw-affiliated stores, gas stations, and Shoppers Drug Mart. The ability to earn up to 35 points per $1 spent makes it ideal for families and individuals who want to maximize their grocery and fuel savings. However, if your spending occurs more frequently outside these stores, you might consider a card with higher rewards in more categories.
Pros
- Generous points system: Earn high points at Loblaw-affiliated stores, Esso™ and Mobil™ stations, and Shoppers Drug Mart®.
- No annual fee: Enjoy all the rewards and benefits without paying a yearly fee.
- Extended Warranty and Purchase Assurance: Doubles the manufacturer's warranty for up to an additional year and covers items against theft, loss, or damage for 90 days.
- Convenient points tracking: Easily track your PC Optimum™ points and personalized offers by linking your PC® Mastercard® account to your PC Optimum™ account.
- Mobile app access: Manage your account on the go with the PC Financial® app.
Cons
- Low base earn rate outside PC-affiliated stores: Earn only 10 points per $1 spent on purchases outside Loblaw-affiliated stores and partners, which may not be competitive compared to other cards.
- High purchase and cash advance interest rates: Purchase interest rate is 21.99% and cash advance rate is 22.97%, which is standard but could be a concern if you carry a balance.
Rewards
- 35 points per $1 dollar spent at Shoppers Drug Mart® stores
- 30 points per $1 dollar spent at Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi & cie, no frills, Provigo, Real Canadian Superstore, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs
- 20 points per $1 spent in PC travel
- 19 points per $1 dollar spent at ESSO and Mobil (it's 30 points per liter and the assumption of average gas price of $1.6 was made)
- 10 points per $1 dollar spent for all other eligible purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Doubled up to a year
Benefits
Details
Concierge Services
24-hour access to experienced concierge staff
Extra points
20 points per $1 spent in PC travel
Eligibility
Credit Score
GoodAnnual Income
$50,000 personal or $80,000 household
Our choice for: Best Accessible Card
APPLY NOW
on PC Financial's website
Welcome Bonus
20,000 PC points ($20 value)
Annual Fee
$0
Interest Rates
21.99% - 26.99% (not for Quebec) / 22.97% - 27.97% (not for Quebec)
The PC® Mastercard® is a great no-fee card for those who frequently shop at Loblaw-affiliated stores, gas stations, and Shoppers Drug Mart. The ability to earn up to 25 points per $1 spent makes it ideal for families and individuals who want to maximize their grocery and fuel savings. However, if your spending occurs more frequently outside these stores, you might consider a card with higher rewards in more categories.
Pros
- Generous points system: Earn high points at Loblaw-affiliated stores, Esso™ and Mobil™ stations, and Shoppers Drug Mart®.
- No annual fee: Enjoy all the rewards and benefits without paying a yearly fee.
- Extended Warranty and Purchase Assurance: Doubles the manufacturer's warranty for up to an additional year and covers items against theft, loss, or damage for 90 days.
- Convenient points tracking: Easily track your PC Optimum™ points and personalized offers by linking your PC® Mastercard® account to your PC Optimum™ account.
- Mobile app access: Manage your account on the go with the PC Financial® app.
Cons
- Low base earn rate outside PC-affiliated stores: Earn only 10 points per $1 spent on purchases outside Loblaw-affiliated stores and partners, which may not be competitive compared to other cards.
- High purchase and cash advance interest rates: Purchase interest rate is 21.99% and cash advance rate is 22.97%, which is standard but could be a concern if you carry a balance.
Rewards
- 25 points per $1 dollar spent at Shoppers Drug Mart® stores
- 19 points per $1 dollar spent at ESSO and Mobil (it's 30 points per liter and the assumption of average gas price of $1.6 was made)
- 10 points per $1 dollar spent for all other eligible purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Extra points
20 points per $1 spent in PC Travel
Eligibility
Credit Score
FairAnnual Income
N/A
From our editors: The full list of Best PC Credit Cards in Canada
Best Overall: PC World Elite Mastercard
As seen in our Best Grocery Credit Cards in Canada post, the PC World Elite Mastercard earns cardholders strong points per dollar spent at Shoppers Drug Mart, select Loblaws branded grocery stores, PC travel, plus Esso and Mobil gas stations. This rewards program is accompanied by decent coverage, including protections like travel medical and car rental damage and theft insurance, not to mention benefits like concierge services and identity theft insurance. While this card comes with high annual income requirements, it avoids annual fees. Learn more in our PC World Elite Mastercard Review.
Best PC Point Collector: PC Insiders World Elite Mastercard
For even more point potential, consider the PC Insiders World Elite Mastercard, a featured card in our Best Stores Credit Cards in Canada article. This contender earns you plenty of PC points at Esso and Mobil gas stations, Shopper Drug Mart, Loblaws banner grocery stores, and PC travel. The card features the same perks, insurance, and annual income requirements as the the PC World Elite Mastercard, except the PC Insiders World Elite Mastercard comes with an annual fee. Luckily though, this fee is waived for the first year of membership. Find out more in our PC Insiders World Elite Mastercard Review.
Best Basic PC Card: PC World Mastercard
To earn decent PC points at Shoppers Drug Mart, Loblaws branded grocery stores, PC travel, and Esso and Mobil gas stations, you can also opt for the PC World Mastercard. This contender keeps things simple when it comes to perks and coverage, offering only purchase protection and extended warranty insurance, plus concierge services and extra points on PC travel purchases. While the card comes with some annual income requirements, it avoids annual fees. Get the full details in our PC World Mastercard Review.
Best Accessible Option: PC Mastercard
To avoid both annual income requirements and annual fees, apply for the PC Mastercard. This card earns you some PC points at Shoppers Drug Mart and Esso and Mobil gas stations, provides basic coverage, and grants cardholders extra points per dollar spent towards PC Travel. Read more in our PC Mastercard Review.
Using the PC Optimum Rewards Program
To collect PC Optimum points, simply swipe, tap or insert your PC credit card at eligible retailers. Once you've collected enough points, you can redeem them towards groceries, gas, or statement credits. The value of your PC points will depend on the redemption category. To learn more, check out our PC Financial Points Value Calculator page.
Choosing a PC Optimum Credit Card
When choosing a PC Optimum credit card, you'll want to consider your spending habits and your current financial situation.
For example, budget-conscious cardholders who have a higher income but still want to avoid annual fees might consider the PC World Elite Mastercard.
Alternatively, high earners who don't mind a yearly cost in exchange for better point potential might apply for the PC Insiders World Elite Mastercard.
Those with a moderate income and no need for excessive rewards or add-ons might be satisfied by the PC World Mastercard.
Finally, cardholders who want to forgo annual fees and annual income requirements will want to stick with the PC Mastercard to optimize Shoppers Drug Mart and gas purchases.
How to Apply for a PC Optimum Credit Card
To apply for one of the PC credit cards listed above, simply press the "Apply Now" button featured below any card profile. From there, you'll be redirected to the PC Financial website to begin the application process. Credit card applications typically ask for your personal information (like your email, birthdate, and address) and financial information (such as your income).
Frequently Asked Questions
Only the PC Insiders World Elite Mastercard has an annual fee. Currently, this fee is waived during the first year of membership.
If you shop frequently at Shoppers Drug Mart, Loblaws branded grocery stores, or Esso and Mobil gas stations, then PC credit cards are a great tool for optimizing every purchase.
The only PC credit card that avoids annual income requirements is the PC Mastercard. Both the PC World Elite Mastercard and the PC Insiders World Elite Mastercard have high annual income requirements, whereas the PC World Mastercard has relatively moderate income requirements.
Not really. The closest you'll get to travel-oriented insurance on PC World Elite credit cards is car rental damage and theft insurance.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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Abid Salahi
Credit Card Expert
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...
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