✅ PC Mastercard No Fee has no annual fee — keep your card without added costs
✅ PC Optimum™ points — earn on groceries, gas, beauty, fashion & more
✅ Purchase protection — coverage for loss, theft or damage for 90 days
✅ Extended warranty — adds up to 1 extra year to manufacturer warranty
✅ Global assistance — 24/7 emergency support with Mastercard Global Service™
Why the PC Mastercard No Fee makes sense
The PC Mastercard No Fee is designed for those who want to turn everyday purchases into rewards without paying a yearly fee. If you regularly shop at stores like Shoppers Drug Mart®, Real Canadian Superstore® or Joe Fresh®, this card transforms your spending into valuable PC Optimum™ points—redeemable for essentials or extras.
On top of the solid points program, this card includes purchase assurance and extended warranty protection. That means your tech, fashion, and home buys come with a bonus layer of peace of mind. It also offers emergency support services for unexpected travel issues—without charging a premium for it.
While other no-fee cards in Canada often focus solely on cashback or flat-rate rewards, the PC Mastercard No Fee integrates retail partnerships to offer a more dynamic rewards structure. It’s ideal for users who spend across multiple categories and want their spending habits to actually return value in a practical way.
Author’s take
The PC Mastercard No Fee manages to stand out by rewarding consistent spending in categories that most people already engage with—groceries, pharmacy, clothing, and fuel. The ability to earn 45 points per dollar at Shoppers Drug Mart®, and 30 points per dollar at grocery partners and Joe Fresh®, means your daily errands can compound into real value. This isn’t about chasing elusive points on luxury spending—it’s a grounded, practical reward system.
That said, the value of this card is highly connected to your shopping habits. If you rarely shop at Loblaw-affiliated stores or don’t regularly buy gas at Esso or Mobil, you may find it takes longer to accumulate points. The standard earn rate of 10 points per dollar on general purchases is modest—but expected for a no-fee product.
Still, when stacked with the protection benefits like extended warranty and purchase assurance, plus the Mastercard Global Service™, this card shows depth. It isn’t a travel rewards card or luxury perks program—but it wasn’t designed to be. It’s for people who want to stretch their budget further through intentional, reward-aligned spending. And that’s where this card earns its place in your wallet.
Ready to make it yours?
Click below to see how to apply, view interest rates, and start earning PC Optimum™ points on what you already buy. The PC Mastercard No Fee is a smart, no-frills option for practical earners. We’ll show you how to apply today.