wealthgeist
PC Optimum · Mastercard
PC Mastercard
PC Optimum rewards without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- Foreign transaction fee
- 2.5%
- Purchase APR
- 21.99%–26.99%
Free · No account needed
Card details reviewed
You want PC Optimum rewards and will use the available redemption options.
A different card may earn more at your usual stores. Interest can outweigh rewards if you carry a balance.
Your estimate
See the rewards after fees, based on where you actually shop.
Your spending is ready to use.
Calculate with my spendingAn estimate, not a guarantee. Approval is up to the issuer.
Rewards
Current rates. Conditions and limits matter as much as the headline number.
- Shoppers Drug Mart and Pharmaprix eligible purchases
- 25 points per $1
- Loblaw banner and PC Express eligible purchases
- 10 points per $1
- Esso and Mobil base card earn - per-litre bonuses excluded
- 10 points per $1
- All other eligible purchases
- 10 points per $1
Merchant coding and eligibility determine the rate. Rates do not add together unless the issuer explicitly allows it.
Using your rewards
The calculator’s standard value is 0.1¢ per point. Your redemption choice can change the value.
Redemption value depends on how you use your rewards. Check the issuer’s redemption terms before comparing points with cash.
Welcome offer
50,000 PC Optimum points after $100 in qualifying purchases within 60 days
Fees and eligibility
Paying interest can outweigh the rewards you earn.
- Annual fee
- $0
- Additional card
- $0
- Purchase interest rate
- 21.99%–26.99%
- Cash advance interest rate
- 21.97%–27.97%
- Foreign transaction fee
- 2.5%
Who can apply?
Meeting published income criteria does not guarantee approval. Other eligibility conditions and fees may apply.
Benefits
Value the benefits you will use—not every advertised perk.
Card benefits
Earned points redeemable at participating PC Optimum locations; value depends on shopping there.
Similar cards
Related reward programs and fees—not a ranking for your spending.
Common questions
Is PC Mastercard worth the annual fee?
There’s no annual fee, but another card may reward your spending more. Use your spending to compare the ongoing value after fees.
Does this card charge a foreign transaction fee?
The published foreign transaction fee is 2.5%. Exchange rates and other applicable charges can still affect your cost. See the issuer’s terms.
How does WealthGeist calculate my estimate?
We match eligible spending to each card’s reward rules, account for spending limits and subtract fees. You can check the breakdown and adjust assumptions. Welcome offers and ongoing rewards are shown separately.
How we compare