PC Mastercard
Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
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Card details
Is this card right for you?
A no-fee, accessible PC Optimum card: 25 pts/$1 (~2.5%) at Loblaw banners and Shoppers Drug Mart, with no income requirement — a simpler version of the PC World Elite.
Loblaw/Shoppers shoppers who can't meet the World Elite income bar.
People starting out who want PC Optimum earning with no fee.
You shop groceries elsewhere.
You want cash back or flexible rewards.
Watch-outs Lower earn than the World Elite (2.5% vs 3–4.5%). · Store-locked points; 2.5% FX fee.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.