Canada · October 2026
PC Financial credit cards
4 cards, ranked by estimated net annual rewards value where the issuer states earn rates.
Highest-earning no-fee PC card: 3% back in PC Optimum points at grocery stores and Joe Fresh, 4.5% at Shoppers Drug Mart, at least 3 cents per litre at Esso/Mobil, 1% elsewhere, with built-in insurance.
Earn: base 1% · groceries 3% · dining 1% · everyday 1%
- Annual fee
- $0 (No annual fee; additional cardholders free)
- Est. net value / yr
- $468
- Welcome offer
- Enjoy 50,000 bonus PC Optimum points on application
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Premium PC card earning 4% back in PC Optimum points at grocery stores (plus 2% on eligible pickup orders), 5% at Shoppers Drug Mart, 4% at Joe Fresh, up to 7 cents per litre at Esso/Mobil and 1% elsewhere, with a free PC Express Pass.
Earn: base 1% · groceries 4% · dining 1% · everyday 1%
- Annual fee
- $120 (First year annual fee waived; additional cardholders free)
- Est. net value / yr
- $432
- Welcome offer
- No annual fee first year plus $50 in bonus welcome points
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
No-fee card earning 2% back in PC Optimum points at grocery stores and Joe Fresh, 3.5% at Shoppers Drug Mart and at least 3 cents per litre at Esso and Mobil; 1% elsewhere.
Earn: base 1% · groceries 2% · dining 1% · everyday 1%
- Annual fee
- $0 (No annual fee; additional cardholders free)
- Est. net value / yr
- $384
- Welcome offer
- Enjoy 50,000 bonus PC Optimum points on application
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
No-fee card earning 1% back in PC Optimum points at grocery stores and everywhere else, 2.5% at Shoppers Drug Mart and at least 3 cents per litre at Esso and Mobil.
Earn: base 1% · groceries 1% · dining 1% · everyday 1%
- Annual fee
- $0 (No annual fee; additional cardholders free)
- Est. net value / yr
- $300
- Welcome offer
- Enjoy 50,000 bonus PC Optimum points on application
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.