Rewards
Base earn rate1% back in points on most purchases
ProgramPC Optimum
Welcome bonus20,000 bonus PC Optimum Points
Rewards typecashback
Fees & rates
Annual fee$0
Purchase interest rate21.99%
Cash advance rate22.97%
Foreign transaction fee2.5% (typical)
Standout perks
🎩
Mastercard Global Service replaces your card or offers a cash advance in case of emergency
⭐
Payment Support Plan (optional insurance) can help ease financial burden with payments in case of job loss, disability, or loss of life
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
up to an additional year
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident