Rewards
Base earn rate1% back in points on dining, transit, and everywhere else
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
🎩
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 you avoid identity theft or restore your identity
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
🛡️
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