The PC Financial credit card family is designed specifically to maximise PC Optimum earn at Loblaws-owned stores and Shoppers Drug Mart. There is no non-PC Financial card that earns PC Optimum points on general spending.
Here is the complete comparison of PC Financial cards for 2026.
PC Financial Credit Card Comparison
| Card | Annual Fee | Income Req. | Loblaws/Shoppers Earn | Everywhere Else |
|---|---|---|---|---|
| PC Financial World Elite Mastercard | $0 | $80K personal / $150K HH | 45 pts/$1 | 30 pts/$1 |
| PC Financial World Mastercard | $0 | $60K personal / $100K HH | 30 pts/$1 | 20 pts/$1 |
| PC Financial Mastercard | $0 | None | 25 pts/$1 | 10 pts/$1 |
Earn rates and income requirements are subject to change. Verify at pcfinancial.ca.
PC Financial World Elite Mastercard — Best Overall
Annual fee: $0
Income requirement: $80,000 personal or $150,000 household
Best for: Regular Loblaws and Shoppers shoppers who qualify on income
The World Elite is one of the best no-fee credit cards in Canada in terms of raw grocery earn. The 45 pts/$1 at Loblaws and Shoppers delivers a 4.5% effective return — beating most premium cash-back cards that charge $120+/year.
Annual earn estimate ($1,200/month groceries at Loblaws + $200/month Shoppers):
- Loblaws: 1,200 × 45 = 54,000 pts/month
- Shoppers: 200 × 45 = 9,000 pts/month
- Total: 63,000 pts/month = $63 in grocery savings
- Annual: ~756,000 pts = $756 in grocery savings
Everywhere else: 30 pts/$1 = 3% on all other purchases — a very strong base rate.
PC Financial World Mastercard — Mid-Tier
Annual fee: $0
Income requirement: $60,000 personal or $100,000 household
For shoppers who don’t qualify for the World Elite, the World Mastercard offers 30 pts/$1 at Loblaws/Shoppers (3% return) and 20 pts/$1 everywhere else (2%). Still an excellent no-fee card.
PC Financial Mastercard — No Income Requirement
Annual fee: $0
Income requirement: None
The entry-level PC Financial card earns 25 pts/$1 at Loblaws/Shoppers (2.5% return) — still better than most general cash-back cards on grocery spend. For Canadians who don’t meet the World income thresholds, this is a solid choice.
What About Non-PC Financial Cards at Loblaws?
At Loblaws-banner stores, the base PC Optimum earn is 10 pts/$1 (1% effective) regardless of payment method, as long as you scan your app. So the question is whether a different credit card’s rewards exceed the PC Financial uplift.
| Card at Loblaws | App earn | Card earn | Total effective return |
|---|---|---|---|
| PC Financial World Elite | — | 45 pts/$1 PC Optimum | 4.5% in PC Optimum |
| Amex Cobalt (no PC app) | — | 5x MR | 5% in MR (→ Aeroplan) |
| Scotia Gold Amex (no PC app) | — | 1x Scene+ | 1% Scene+ |
| No-rewards Visa/Mastercard | 10 pts/$1 | — | 1.0% PC Optimum |
If you prioritize Aeroplan accumulation over PC Optimum, using the Amex Cobalt at Loblaws (5x MR → 5 Aeroplan/dollar after transfer) beats the PC Financial World Elite in raw earn value — but you give up PC Optimum earn entirely.
Related Articles
- How PC Optimum Works
- PC Optimum Bonus Events Guide
- PC Optimum at Shoppers Drug Mart
- Amex Cobalt 5x Categories
Card details and income thresholds are subject to change. Verify at pcfinancial.ca. See our Advertiser Disclosure.