Your Top Match
🏆 PC Mastercard
Earn Serious Grocery Rewards at the Stores You Already Shop
Why this is your top card:
No Annual Fee
Up to 4.5% Cashback
Points Never Expire
Instant Redemption
Card Details
If Loblaws, No Frills, Real Canadian Superstore, or Shoppers Drug Mart are already part of your routine, this card turns those trips into real savings. Earn PC Optimum points on everything, with accelerated rates at PC-affiliated stores.
Points redeem instantly at checkout—no complicated transfer partners or blackout dates. Just swipe, earn, and save on your next grocery run.
Network
Mastercard
Deposit
None required
Annual Fee
$0 (most tiers)
Pros
No annual fee on the main tiers. PC Mastercard, World, and World Elite all cost $0 per year.
Strong earn rates at Shoppers Drug Mart—up to 4.5% back on pharmacy, beauty, and everyday essentials.
Points don’t expire and redemption is instant at checkout. 10,000 points = $10 off your bill.
Free additional cardholders so the whole family can earn toward one account.
World Elite tier includes travel emergency medical insurance and rental car coverage.
Cons
Best value only if you shop at PC-affiliated stores regularly. Limited rewards outside the ecosystem.
2.5% foreign transaction fee—not ideal for travel or cross-border purchases.
High APR at 21.99%. Pay in full each month or the interest will eat your rewards.
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