MastercardFX: 2.5%No Annual FeeCash Back
PC Financial
PC Financial Mastercard
PC Optimum
First Year Bonus
~$115
Welcome Bonus
20,000 pts
Annual Fee
$0
Spend Required
None
Apply via rebate portal
Get notified when this offer goes elevated
We'll email you if PC Financial Mastercard runs a higher-than-normal welcome bonus.
Data verified Apr 1, 2026
Welcome bonus
Total: 20,000 pts
1
20,000 pts ($20 value)
Awarded upon account opening
Earn rates
25 pts/$
Shoppers Drug Mart
30 pts/$
Esso & Mobil
10 pts/$
everywhere else
Points value: ~1¢ per 1,000 PC Optimum pts
Lounge access
No lounge access
Additional perks
- ✓No annual fee
- ✓Stackable with PC Optimum app offers at Loblaw stores
- ✓10,000 pts = $10 at Loblaws, Shoppers, No Frills, etc.
Insurance coverage
Travel Medical
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkMastercard
Annual fee$0
Foreign fee2.5%
Income req.None stated
ProgramPC Optimum
