Rewards
Base earn rate1% cash back on all purchases (10 PC Optimum points per dollar)
ProgramPC Optimum
Welcome bonusEarn 50,000 bonus PC Optimum points when you spend $100 or more at participating stores within 60 days of account approval
Rewards typepoints
Fees & rates
Annual fee$0
Additional card$0
Purchase interest rate21.99%
Cash advance rate22.97%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Mastercard Global Service
🎩
Concierge Services provided by Assurant Services Canada Inc. (available on World tier and higher)
⭐
Identity Theft Assistance Service provided by Assurant Services Canada Inc. (available on World Elite tier and higher)
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
🛡️
travel medical
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident