Eligibility requirements for the PC Financial Mastercard No Fee:
☑️ Be the legal age of majority in your province or territory
☑️ Live in Canada with a valid residential address
☑️ Maintain a good credit score and credit history
☑️ Have personal identification available for verification
☑️ Consent to a credit check during the application process
Required documents:
📄 Government-issued photo ID (e.g., passport or driver’s license)
📄 Proof of current address (e.g., utility bill, lease, or bank statement)
📄 SIN (optional but helps speed up credit verification)
📄 Income verification if requested during review
Final approval depends on meeting all eligibility criteria. PC Financial may request additional documents based on your profile.
How to apply for the PC Financial Mastercard No Fee?
To apply for the PC Financial Mastercard No Fee, visit the official PC Financial website and start your digital application. The form is short and asks for basic personal and financial details. After submission, your credit will be reviewed, and you may receive an instant approval or a follow-up request. Once approved, your card will arrive by mail. Be sure to link your PC Optimum™ account right away to start maximizing rewards on your purchases.
Approval is determined by PC Financial based on internal review. If your application is declined, you can try again later after reviewing your credit report and financial readiness.
How to pay your PC Financial Mastercard No Fee?
Your PC Financial Mastercard No Fee statement can be paid via online banking, the PC Financial mobile app, or at partner store locations. Payments can be manual or automated through pre-authorized debit.
The interest-free grace period is 21 days from your statement date. Making payments before this period ends helps you avoid interest and keep your credit score healthy. Partial payments are allowed, but paying in full is ideal.
Fees and costs
The PC Financial Mastercard No Fee lives up to its name with no annual fee. Purchases carry a standard interest rate of 21.99%, while cash advances are billed at 22.97% (21.97% in Quebec). Late or missed payments can result in penalties and accrued interest beyond the grace period.
There are no costs to earn or redeem PC Optimum™ points, and features like purchase protection (90 days) and extended warranties (up to 1 year extra) are included at no charge.
A tip for your wallet
Use your PC Financial Mastercard No Fee intentionally—concentrate your spending at Esso™, Mobil™, Shoppers Drug Mart®, and affiliated grocery stores to rack up the most PC Optimum™ points.
Link your loyalty account to your card to unlock personalized offers and keep everything visible in one dashboard. Consider paying your balance weekly instead of monthly—this helps control your utilization rate, lowers interest risks, and gives you better budget awareness throughout the month.
Start earning with no annual fee
Click the button below to apply now and unlock the full benefits of the PC Financial Mastercard No Fee directly from the official website. The PC Financial Mastercard No Fee is a practical, low-commitment way to bring value into your daily life—apply today and get rewarded for what you already spend.