Working hard in the background...
Card Details
Interest Rates
Purchase: 21.99% - 26.99% (not for Quebec)
Cash Advance: 22.97% - 27.97% (not for Quebec)
Annual Fees
Main Card: $0
Additional Cards: 0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
Earn 20,000 points when you get approved.
Our Rating
1.8/5
Institution
PC Financial
How You Earn 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
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
Extra points
20 points per $1 spent in PC Travel
Pros & Cons
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.