An excellent free card for the right household, and an unremarkable 1% card for everyone else. Know your banners before applying.
No annual fee · First-year net value ≈ $90 · PC Optimum
Issuer hub · Updated 2026-07-06
PC Financial Credit Cards in Canada
Every PC Financial credit card we track, ranked by Standard Score — PC Optimum-earning Mastercards for Loblaw-banner grocery shoppers.
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Current offer |
|---|---|---|---|---|---|---|
| 1 | PC Financial World Elite Mastercard PC Financial | 5.8/10 | None | ≈ $90 | PC Optimum | See offer |
| 2 | PC Insiders World Elite Mastercard PC Financial | 5.0/10 | $120 | ≈ $150 | PC Optimum | See offer |
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every PC Financial card, ranked
A fee-based upgrade over PC's free World Elite card, justified mainly by the PC Express Pass. Confirm current earn rates directly before applying.
$120 annual fee · First-year net value ≈ $150 · PC Optimum
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every PC Financial card here is scored on the same Standard Score as the rest of the site — see how it’s built, or browse the full card database.