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PC Mastercard
MASTERCARDNo annual fee rewards
PC Mastercard
6.6Canada Cards ScoreGoodEarn 50,000 bonus PC Optimum™ points
Annual fee No feePurchase APR 21.99%Verified 2026-06-13
Apply on PC Financial →Why get this card
- ✓No annual fee
- ✓Earn 3x on esso™ and mobil™ stations
Pros
- +No annual fee
- +Strong 3x earn on esso™ and mobil™ stations
Cons
- -High 21.99% purchase interest rate
Earn rates
- Grocery stores1%
- Shoppers Drug Mart®2.5%
- Esso™ and Mobil™ stations3x
- Dining, transit, and everywhere else1%
Welcome offer
Earn 50,000 bonus PC Optimum™ points
- Bonus points
- —
- Minimum spend
- $100
- Spend window
- 60 days
- Offer ends
- —
when you spend $100 or more at participating stores within 60 days of account approval.
Fees
- Annual fee
- No fee
- Additional card
- —
- Foreign transaction fee
- —
Interest rates
- Purchase APR
- 21.99%
- Cash advance APR
- 22.97%
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 3
- Purchase Assurance
- Extended Warranty
- Mastercard Global Service™
Redemption & eligibility
- Reward currency
- PC Optimum™ points
- Redemption options
- In-stores, In-app
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
Subject to credit approval and other eligibility criteria.
How we scored it
6.6Good- Everyday earn rateWeight 30
3x on Esso™ and Mobil™ stations (≈0.3¢/$)
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
No annual fee
- Benefits depthWeight 15
3 insurance coverages
- Interest costWeight 10
21.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
Frequently asked
- Is the PC Mastercard worth it?
- It carries a No fee annual fee. No annual fee. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the PC Mastercard?
- The annual fee is No fee. The purchase interest rate is 21.99% and the cash advance rate is 22.97%. These are sourced from PC Financial's official page.
- What rewards does the PC Mastercard earn?
- It earns up to 3x on esso™ and mobil™ stations, in PC Optimum™ points. See the full earn-rate breakdown above.
More ways to compare
Official sources
Every figure on this page comes from PC Financial's own pages. Last checked 2026-06-13.
Cited, never sponsored
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