Independent ClearFin review · PC Financial
Start with 20,000 PC Optimum Points, worth about $20.
Current new-cardmember offer
Confirm with the issuer
🛒 PC OptimumIts strongest published earn rate in our data is 3.0% on groceries. 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 World Mastercard is a mid-tier rewards card with no annual fee and minimum income requirements of $50,000 personal income or $80,000 household income, generally suited for applicants with established credit histories.
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 income, credit history, debt obligations, payment history, and overall creditworthiness. Meeting the income requirement alone does not guarantee approval.
Reward limits: PC Financial does not impose annual or monthly spending caps on the PC World Mastercard earn structure. Cardholders earn 20 PC Optimum points per $1 spent at participating Loblaw banner grocery stores and Joe Fresh, 35 points per $1 at Shoppers Drug Mart and Pharmaprix, at least 30 points per litre at Esso and Mobil stations, and 10 points per $1 spent everywhere else. 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.
24/7 Concierge Service
Access to concierge assistance for dining reservations, event tickets, gift delivery, travel planning, and other personal requests.
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.
2% back at Loblaws grocery, 3.5% at Shoppers, 3¢/L at Esso & Mobil. 1% on dining, transit & else.
Groceries receive the strongest estimated return at 3.0%. 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 groceries and gas 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.
