Rewards
Base earn rate1% cash back on dining, transit, and everywhere else
ProgramPC OptimumTM
Welcome bonusEnjoy no annual fee for your first year, plus $50 in a bonus welcome points offer
Rewards typecashback
Fees & rates
Annual fee$120
Purchase interest rate21.99%
Cash advance rate22.97%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
PC ExpressTM Pass subscription included
$99.99 per year
⭐
Unlimited $0 grocery delivery & pickup on eligible orders
🎩
24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more
⭐
Mastercard Global Service - replaces your card or offers a cash advance in case of emergency
⭐
Identity Theft Assistance Service to help avoid identity theft or restore your identity
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
travel medical
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident