MastercardFX: 2.5%No Annual Fee
PC Financial
PC Financial World Mastercard
PC Optimum
First Year Bonus
~$65
Welcome Bonus
20,000 PC Optimum pts
Annual Fee
$0
Spend Required
first purchase
Apply via rebate portal
Get notified when this offer goes elevated
We'll email you if PC Financial World Mastercard runs a higher-than-normal welcome bonus.
Data verified Apr 1, 2026
Earn rates
35 pts/$1
Shoppers Drug Mart
20 pts/$1
Loblaw grocery stores
30 pts/L
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)
Lounge access
No lounge access
Additional perks
- ✓No annual fee
- ✓No income requirement (unlike PC World Elite)
- ✓Good mid-tier for Loblaw shoppers who don't meet WE income threshold
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
