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Retailer-owned issuer

PC Financial credit cards & products

Loblaw's banking arm. Cards earn PC Optimum points, redeemable at Loblaws-family grocery and pharmacy stores.

Products covered
2
No annual fee
1
Top rated
4.0/5
Score range
725–725

What PC Financial does well

  • Earns heavily at Loblaws-family grocery and Shoppers Drug Mart
  • No-fee options with genuinely useful grocery returns

What to watch for

  • PC Optimum points are worth about 0.1¢ each, so you need large point totals
  • Value is locked to Loblaw-family stores
Rewards program

PC Financial cards earn PC Optimum. See what those points are actually worth with our points value calculator.

All 1 PC Financial credit card

1 card
PC World Elite Mastercard
rewardsMastercard
PC World Elite MastercardPC Financial
45x Shoppers Drug Mart / Pharmaprix
Annual fee None4.0
Rec. score 725+Hard approval
DetailsApply
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PC Financial chequing accounts

1 product
PC Money AccountPC Financial

A no-fee hybrid account that earns PC Optimum points on everyday spending.

Free
Monthly fee
4.2
Transactions: Unlimited
Fee waived at: n/a
Free e-Transfers: Yes

Earns PC Optimum points on debit purchases; points are worth about 0.1¢ each.

Rate verified August 3, 2026 · confirm with the institution before applying

Details

Frequently asked questions about PC Financial

What credit cards does PC Financial offer?

We track 1 PC Financial credit card, 1 of which have no annual fee. All of them are no-fee. They run on Mastercard. PC Financial also offers 1 banking product we cover.

What rewards program do PC Financial cards use?

PC Financial cards earn PC Optimum. Earns heavily at Loblaws-family grocery and Shoppers Drug Mart. Worth knowing: PC Optimum points are worth about 0.1¢ each, so you need large point totals.

What credit score do you need for a PC Financial card?

Across the PC Financial cards we track, our recommended scores range from 725 to 725. Entry-level and no-fee cards sit at the lower end, while premium cards typically want 725+ along with the income requirement. These are VaultNerd estimates based on card tier and stated income requirements, not official issuer cutoffs.

Compare PC Financial against everything else

Loyalty to one bank rarely pays. Run your actual spending through the card finder to see whether a PC Financial card genuinely earns you the most, or browse every card we cover.

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site. This does not influence our editorial content.
Written by
VaultNerd Editorial Team

Researching and writing about Canadian personal finance since 2026.

Last reviewed August 2026 · How we research

Cite this page

“PC Financial Products.” VaultNerd, https://www.vaultnerd.com/ca/banks/pc-financial, updated August 2026.

Sources
  • PC Financial published product pages and cardholder agreements
  • VaultNerd products database