https://cardnorth.ca/credit-cards/pc/Recent content in PC Financial Mastercard: Fees, PC Optimum Earn Rates and Each Card on CardNorthHugo -- gohugo.ioen-caThu, 12 Nov 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/pc/pc-insiders-world-elite-mastercard/Fri, 12 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/pc/pc-insiders-world-elite-mastercard/Fuel at Esso and Mobil Fuel earns by the litre: the card’s 30 points per litre and the 10 that all PC Optimum members earn, with the standard 10 points per dollar, make a regular rate of 50 points per litre. If fuel falls below $1/L, points are topped up to 50 per litre. Buying at least 150 litres in a calendar month adds 20 bonus points per litre, 70 in all, on all of that month’s fuel at Esso and Mobil.https://cardnorth.ca/credit-cards/pc/pc-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/pc/pc-mastercard/Redeeming PC Optimum points In store, you redeem at least 10,000 points at a time, worth $10 in rewards, and larger amounts in steps of 10,000 points. A single transaction can take at most $500.00 worth of points. Points have no cash value. Points can also pay down the card balance, at $7 of credit per 10,000 points. The primary cardholder does this in the PC Financial online account, redeeming between 10,000 and 500,000 points at a time.https://cardnorth.ca/credit-cards/pc/pc-world-elite-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/pc/pc-world-elite-mastercard/Redeeming points Points the card earns go to the primary cardholder’s PC Optimum account. In stores, 10,000 points are worth $10 in rewards, redeemed in steps of 10,000 points, up to $500.00 a transaction. As a statement credit, 10,000 points take $7 off the card balance. The primary cardholder redeems from 10,000 to 500,000 points at a time this way. PC Optimum points don’t expire, but the account can be closed if no points are earned or redeemed for 2 years.https://cardnorth.ca/credit-cards/pc/pc-world-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/pc/pc-world-mastercard/Where the higher rate applies The grocery rate applies at participating stores where President’s Choice products are sold, and the Joe Fresh rate in store and online. At Shoppers Drug Mart and Pharmaprix, all PC Optimum members earn 15 points per dollar, and the card’s 20 come on top, which PC Financial shows as 3.5% back in points. Cash advances, balance transfers, convenience cheques and other cash-like transactions earn nothing. Bonus point offers are calculated on the regular rate, and one offer does not multiply another.