PC Financial Credit Card Types and Reviews

PC Financial offers a range of credit cards to suit different needs and preferences.

The PC Financial Mastercard is a no-fee credit card with a 19.99% interest rate, making it a good option for those who want to avoid interest charges.

One of the key benefits of the PC Financial Mastercard is its rewards program, which offers 1% cash back on all purchases.

For those who want to earn more rewards, the PC Financial World Elite Mastercard is a better option, offering 2% cash back on all purchases.

PC Financial credit cards are a popular choice for many Canadians due to their rewards program and the fact that three of their four cards do not charge an annual fee.

You can earn up to 30 PC Optimum points for every dollar you spend at participating stores like No Frills, Real Canadian Superstore, Loblaws, and Maxi.

Their credit cards are also widely accepted, making them a convenient option for everyday purchases.

With a PC Financial credit card, you can earn points for gas, groceries, and beauty essentials at participating stores.

You can earn up to 45 points per dollar at Shoppers Drug Mart and Pharmaprix, and 10 points per dollar on your purchases everywhere else.

Their credit cards offer security features like best-in-class fraud detection tools to help keep your finances safe.

Having a PC Financial credit card gives you the flexibility to buy now and pay later, and helps you build your credit history by paying your credit card bill on time.

PC Financial offers four different credit cards, each with its own unique features and benefits. These cards are all Mastercards, offering a range of rewards and benefits to cardholders.

The benefits of each card vary, but they all offer the opportunity to earn PC Optimum Points on your everyday purchases. You can earn points on everything from groceries to gas, making it a great option for those who want to maximize their rewards.

Here are the types of PC Financial credit cards you can choose from:

Overall, PC Financial's credit cards offer a range of benefits and rewards to cardholders, making them a great option for those who want to maximize their points and savings.

The no annual fee feature is a major perk of PC Financial Mastercards. This means you can enjoy rewards and benefits without having to pay a yearly fee.

Three of PC Financial's Mastercards charge no annual fee. This is a significant advantage over many other rewards credit cards.

Having a no annual fee credit card can save you money in the long run. You can use the money you save to earn even more rewards or pay off your balance faster.

The PC Optimum points system is a great way to redeem your rewards. You can earn up to 30 points per dollar at participating stores like No Frills and Loblaws.

The no annual fee feature also makes it easier to manage your finances. You can focus on earning rewards and paying off your balance without worrying about annual fees.

With PC Financial Mastercards, you can earn up to 30 points per dollar at participating stores and 10 points per dollar everywhere else.

The World Elite card is a high-end option that offers exceptional rewards and benefits. It's perfect for frequent travelers and big spenders who want to earn more points and cash back.

The card has a high annual fee of $149, but it comes with a generous 5% cash back on travel and 3% on dining purchases. This makes it a great option for those who frequently dine out or travel.

World Elite cardholders also get access to exclusive events and experiences, such as VIP access to concerts and sporting events. This is a great perk for music and sports fans.

The card also offers a 25% points bonus when redeemed for travel, which can add up to significant savings.

The Tangerine Money-Back Credit Card is a no-fee credit card that offers cash back on all purchases. It's a great option for those who want flexibility in their cash back rewards.

You can choose two categories in which you earn 2% cash back, one category for 0.5% cash back, and all other purchases earn 1% cash back. This means you can tailor the card to your spending habits.

This card offers unlimited cash back rewards, so you don't have to worry about earning a maximum amount. It's a great option for those who want to earn cash back without any restrictions.

One thing to keep in mind is that the PC Financial Mastercards might be a better option for those who frequently shop at Loblaws-owned stores and want to earn PC Optimum points.

The American Express Cobalt Card is a popular choice for those who want to earn travel rewards. It offers 5 points per dollar spent on groceries, restaurants, and food delivery, and 2 points per dollar spent on all other purchases.

This card's rewards structure is quite generous, especially for frequent diners. However, it comes with a hefty annual fee.

The American Express Cobalt Card offers a unique perk: earn 1,250 points for each month you spend $750, up to a maximum of 15,000 points. This can add up quickly for those who regularly spend on travel and dining.

For those who don't spend a significant amount on travel and dining, a PC mastercard may be a better pick.

The PC Optimum Loyalty Card is a great way to earn points on your everyday purchases at Shoppers Drug Mart and Loblaws-affiliated grocery stores. You can earn 15 points for every dollar you spend.

To earn points, simply shop at participating stores where PC products are sold. This is no different than other retail loyalty programs, like Starbucks Rewards. You can sign up as a member by downloading the app.

You can earn points at Shoppers Drug Mart, where you get 15 points for every dollar you spend. At Loblaws banner stores, you only earn points on personalized offers or in-store promotions.

The PC Financial Credit Card is a solid choice for those who want a low-maintenance credit card with no annual fee.

You can use your card to earn rewards on your everyday purchases, with a rewards rate of 1 PC point for every $1 spent.

The card also offers a generous sign-up bonus of 20,000 PC points, which can be redeemed for a variety of rewards, including travel and gift cards.

The interest rates on a PC Financial Mastercard are not mentioned in the article sections provided. However, we do know that having a good credit score is important for taking bigger financial steps, like borrowing money or negotiating lower interest rates on your loans. This is a major benefit of having a credit card, as it helps you build your credit history by paying your credit card bill on time and not spending above your limit.

There's no information on interest rates specifically for the PC Financial Mastercard in the article sections. But, we do know that the PC Mastercard has no annual fee, which is a great perk.

The PC Financial Mastercard is a great option for those who want to earn rewards on their everyday purchases. You can earn up to 30 PC Optimum points for every dollar you spend at participating stores like No Frills, Real Canadian Superstore, Loblaws, and Maxi.

One of the key benefits of the PC Financial Mastercard is that it offers more points per dollar spent compared to other credit cards. For example, you can earn 25-45 points per dollar at Shoppers Drug Mart and Pharmapix, and 10 points per dollar on all other purchases.

You can earn PC Optimum Points in two ways: either as a loyalty member of the PC Optimum program or as a PC Financial credit card holder. With the latter, you'll earn points on every dollar you spend wherever you shop, not just select stores.

The PC Financial Mastercard has no annual fee and no caps on points earning. You can also earn up to 5,000 points per month for paying your bills.

Having a credit card gives you the flexibility to buy now and pay later. This can be a huge relief, especially when you're planning a big purchase or need to cover unexpected expenses.

You can earn PC Optimum points on all your purchases with a PC Financial credit card, ranging from 10 to 45 points per dollar spent. This means that the more you use your card, the more points you can accumulate for future rewards.

One of the main benefits of having a PC Financial credit card is the ability to earn PC Optimum points on gas purchases. With the PC Mastercard, you can earn up to 30 points per litre on gas at Esso and Mobil stations.

The PC World Mastercard also offers a welcome offer of 20,000 bonus PC Optimum points to kickstart your rewards journey. This can be a great incentive to sign up for the card and start earning points right away.

With a PC Financial credit card, you can also earn points on your everyday purchases at participating stores like Shoppers Drug Mart and Loblaws-affiliated grocery stores. The earn rates for these stores are as follows:

This means that you can earn a significant number of points on your everyday purchases, which can be redeemed for free groceries, beauty products, and more.

The PC Financial credit card has some drawbacks to consider. One of the main limitations is that the rewards are only great at Loblaws stores, not elsewhere.

If you shop regularly at Loblaws, you'll earn 20 points per dollar spent at participating stores, but this rate drops to 10 points per dollar on all other purchases.

The redemption rules can be restrictive, too. You can only redeem points in increments of 10,000, which equals $10. This means you can't use your points to pay for smaller purchases or use them to pay off your statement balance.

Here are some key cons to consider: