Applying for a no-annual fee PC Mastercard online step-by-step is easy for Canadians who follow the latest real application screens.
Below are the unique, step-by-step instructions for both new customers and existing customers, ensuring top search relevance and practical detail.
First you need to verify basic eligibility requirements with the following and proceed with the step by step process given below
- Be a resident of Canada.
- Be the age of majority in your province or territory.
- (Optional) Have your Social Insurance Number (SIN) and/or PC Optimum number handy.
Want to boost your chances of getting approved? Check out our tips to improve your chances of PC Mastercard approval before you start your application.
How to Apply for a No-Annual Fee PC Mastercard Online for New Customers
Step1: Launch the Application Portal
- Go to the official PC Financial Mastercard webpage at pcfinancial.ca/en/credit-cards/pc-mastercard/
- Click Apply Now
- Click Apply as a new customer to open your application.
Step2: Review and Consent to Application Disclosure
- On the live screen, read through the full Application Disclosure Summary as shown.
- Tick the checkbox confirming you’ve reviewed and agree to receive documents electronically.
- Press Next.
Step3: Complete the Online Application Form
- Personal Information: Enter your Title, First and Last Name, and Date of Birth as per your legal identification.
- Contact Information: Fill in your email address and phone number.
- Address: Type your current Canadian address (no PO boxes allowed).
- Employment Status: Choose your employment status and provide your employer and annual income.
- If you’re interested in the PC Insiders or World Elite Mastercard, learn about additional eligibility requirements in our Insiders & World Elite eligibility guide.
- (Optional) Enter your Social Insurance Number to speed up ID checks.
Step4: Link Your PC Optimum™ Account
- If prompted, input your existing PC Optimum number or skip to register later.
Step5: Review & Submit
- Carefully check all details for accuracy.
- Consent for a credit check by ticking the relevant boxes.
- Submit your application online.
Step6: Wait for a Decision
- Most applicants receive an instant or email response within 7 business days.
- PC Financial may request extra documents via email for further verification if needed.
Step7: Receive & Activate Your Card
- Once approved, your no-annual-fee PC Mastercard ships to your address in 7–10 business days.
- Activate your card following the instructions included in your Welcome Kit and start earning rewards.
For Existing Customers: How to Apply for a No-Annual Fee PC Mastercard Online
Step1: Go to PC Financial Login
- Follow the step:1 as above and Click on Apply as an existing customer instead of New
Step2: Confirm Your Status as an Existing Customer
- Select Yes, I have an online account.
- Enter Username, Password and Click Sign In
- Proceed to the pre-filled application using your customer profile.
Step3: Complete, Review, and Submit Your Application
- Review your pre-populated personal and contact information.
- Update your employment and income if needed.
- Consent to the credit check and agree to the terms.
- Submit your application.
Step4: Approval and Card Delivery
- Expect your application decision by email, often within minutes or up to 7 business days.
- Your approved card will arrive at your registered address within 7–10 business days.
Already have a PC Mastercard and thinking about an upgrade? See how you can upgrade your PC Mastercard to Insiders or World Elite quickly.