Best PC Optimum Credit Cards in Canada - September 2026

PC Optimum

Best Cards 1st Yr Free Cash Back Travel Groceries Gas & EV Business Low Interest

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PC® World Elite® Mastercard®

PC Financial PC Optimum

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $20
Welcome offerAfter $50 in 2 months: 20,000 points

Features
Issuer: PC Financial
Network
Loyalty Program: PC Optimum

Fees and terms
Annual Fee: $0
Min. annual income: $80,000+

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Rewards: Rate
Pharmacy: 45x
Groceries: 30x

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PC® World Mastercard®

PC Financial PC Optimum

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $20
Welcome offerAfter $48 in 2 months: 20,000 points

Features
Issuer: PC Financial
Network
Loyalty Program: PC Optimum

Fees and terms
Annual Fee: $0
Min. annual income: $50,000+

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Rewards: Rate
Pharmacy: 35x
Gas & EV: 30x
Groceries: 20x

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PC® Mastercard®

PC Financial PC Optimum

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $20
Welcome offerAfter $50 in 2 months: 20,000 points

Features
Issuer: PC Financial
Network
Loyalty Program: PC Optimum

Fees and terms
Annual Fee: $0
Min. annual income: —

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Rewards: Rate
Gas & EV: 30x
Pharmacy: 25x

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PC Insiders™ World Elite Mastercard®

PC Financial PC Optimum First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $120
Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$120Total$120Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $120
Welcome offer$120 annual fee rebated: First Year Annual Fee Rebate

Features
Issuer: PC Financial
Network
Loyalty Program: PC Optimum

Fees and terms
Annual Fee: $120/yr
Min. annual income: $80,000+

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Rewards: Rate
Pharmacy: 50x
Groceries: 40x

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