MastercardFX: 2.5%No Annual Fee
PC Financial
PC Financial World Elite MC
PC Optimum
First Year Bonus
~$200
Welcome Bonus
20,000 PC Optimum pts
Annual Fee
$0
Spend Required
$50 (60 days)
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Data verified Apr 12, 2026
Earn rates
45 pts/$1
Shoppers Drug Mart
30 pts/$1
Loblaw grocery stores
30 pts/$1
Esso & Mobil gas
10 pts/$1
everywhere else
Points value: ~1¢ per 100 PC pts ($0.01 towards groceries)
Transfer partners
PC Optimum (Loblaw/Shoppers ecosystem only — no airline transfers)
Lounge access
No lounge access
Additional perks
- ✓No annual fee
- ✓Best card for Loblaw/Shoppers shoppers
- ✓Mastercard World Elite concierge
Insurance coverage
Travel Medical ($5M)
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.$80,000 personal or $150,000 household
ProgramPC Optimum
