Rewards
Base earn rate1% cash back on dining, transit, and everywhere else
ProgramPC Optimum
Welcome bonusEarn a one-time bonus of 50,000 PC Optimum points when you spend $100 CDN or more in total qualifying purchases at participating Loblaw banner grocery stores, The Mobile Shop stores, Joe Fresh stores, Shoppers Drug Mart stores, Pharmaprix stores, Esso or Mobil stations in Canada within 60 days of account approval.
Rewards typecashback
Fees & rates
Annual fee$0
Additional card$0
Purchase interest rate21.99%
Cash advance rate22.97%
Foreign transaction fee2.5% (typical)
Standout perks
🎩
24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more
⭐
Mastercard Global Service - Replaces your card or offers a cash advance in case of emergency
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident