Independent ClearFin review · PC Financial
Start with 20,000 PC Optimum Points, worth about $20.
Current new-cardmember offer
Confirm with the issuer
🛒 Entry PC CardIts strongest published earn rate in our data is 2.0% on gas. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueHow to earn it
Available to new President's Choice Financial Mastercard cardholders. Terms and conditions apply.
Confirm final approval criteria and current rates directly with the issuer.
The PC Mastercard is an entry-level no-annual-fee rewards card with no published income requirement, making it accessible to a broad range of applicants, including those building their credit profile.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. PC Financial does not publish a minimum credit score requirement. Approval is based on factors such as credit history, income, debt obligations, payment history, and overall creditworthiness. Applicants with limited credit history may still be considered.
Reward limits: PC Financial does not impose annual or monthly spending caps on the base earn structure of the PC Mastercard. Cardholders earn 10 PC Optimum points per $1 spent on eligible purchases, 25 points per $1 at Shoppers Drug Mart and Pharmaprix, and at least 30 points per litre at Esso and Mobil stations. No earning caps or category spending limits are disclosed.
Redemption values and availability may vary by option and can change.
Redeem PC Optimum points at participating stores under the program's current minimums and terms.
Consider these extras by the value they add to purchases and experiences you already use.
Purchase Assurance
Coverage against theft, loss, or accidental damage for eligible purchases during the first 90 days after purchase.
Extended Warranty
Doubles the manufacturer's original warranty for up to one additional year on eligible purchases.
Mastercard Global Service
Emergency card replacement and emergency cash advance assistance while travelling.
Free Additional Cardholders
Add authorized users at no additional annual fee.
Mobile App Account Management
Manage your account, monitor transactions, redeem points, and receive account notifications through the PC Financial app.
Security Alerts
Receive account and security notifications to help monitor card activity and detect suspicious transactions.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
1% back at Loblaws grocery, 2.5% at Shoppers, 3¢/L at Esso & Mobil. 1% on dining, transit & else.
Gas receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on gas and dining and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
