1.PC® Mastercard®
PC Financial
- 4.5%Cash back at Shoppers Drug Mart® stores
- 4%Cash back at participating Loblaw banner stores
- 1%Cash back on all other purchases
Earn 20,000 PC Optimum™ points (worth $20) after spending $50 or more in total qualifying purchases within 60 days of approval.
Earn 1% to 4.5% back in points depending on where you shop.
26.99%
27.97%
The PC® Mastercard® stands out as the top choice because it offers a no-annual-fee structure while providing significant rewards on grocery purchases, making it ideal for everyday shoppers.
Pros:
- No annual fee
- High rewards at grocery stores
Cons:
- Limited to specific retailers
- Points can expire
- 4%Cash back on groceries, gas, and electric vehicle charging
- 2%Cash back on dining, transportation, and recurring payments
- 1%Cash back on all other purchases
Earn 10% cash back on up to CA$2,500 in purchases ($250 value) within the first four statements.
Earn 4% cash back on groceries, gas, and electric vehicle charging, 2% on dining, transportation, and recurring payments, and 1% on all other purchases.
21.99%
22.99%
What sets the CIBC Dividend Visa Infinite apart is its exceptional cash back rates on essential spending categories, making it a strong contender for those who prioritize rewards on groceries and gas.
Pros:
- High cash back on essential categories
- Comprehensive travel insurance
Cons:
- Requires high income for eligibility
- Annual fee applies
3.Rogers Red World Elite Mastercard
Rogers Bank
- 3%Cash back on U.S. dollar purchases
- 2%Cash back on eligible purchases
- 1.5%Cash back on all other purchases
N/A
Earn 3% cash back on U.S. dollar purchases and 1.5% to 2% on other purchases.
20.99%-25.99%
22.99%-27.99%
This card shines for its high cash back on U.S. dollar purchases, making it particularly valuable for frequent travelers or those who spend significantly in USD.
Pros:
- No annual fee
- High cash back on U.S. dollar purchases
Cons:
- Limited to Rogers customers for maximum benefits
- No standard welcome bonus
4.Scotiabank Gold American Express Card
Scotiabank
- 6%Scene+ points on groceries, dining, and entertainment
- 5%Scene+ points on other eligible purchases
- 1%Cash back on all other purchases
Earn up to 45,000 Scene+ points by spending $2,000 in the first three months and an additional 20,000 points upon spending $7,500 in the first year.
Earn up to 6X Scene+ points on groceries, dining, and entertainment.
20.99%
22.99%
The standout feature here is its generous rewards structure, offering up to 6X points on key spending categories, making it an excellent choice for those who frequently dine out or travel.
Pros:
- High rewards on dining and entertainment
- No foreign transaction fees
Cons:
- Annual fee applies
- Spending thresholds for bonuses
5.Neo Secured World Elite Mastercard
Neo Financial
- 5%Cash back on groceries
- 4%Cash back on recurring payments
- 3%Cash back on gas/EV charging
- 1%Cash back on all other purchases
Receive a $25 cash back bonus upon approval.
Earn up to 5% cash back on groceries, 4% on recurring payments, and 3% on gas.
19.99%-29.99%
22.99%-31.99%
A key differentiator is its high cash back rates on essential spending, making it a strong option for those looking to build credit while earning rewards.
Pros:
- High cash back on essential categories
- Guaranteed approval
Cons:
- Requires a security deposit
- Annual fee applies
Final Words
As you consider the best store credit cards available this March 2026 in Canada, remember to evaluate the rewards, fees, and benefits that align with your spending habits. Take time to compare your options carefully to make informed decisions that maximize your financial advantages.
Frequently Asked Questions
The welcome bonus for the PC® Mastercard® is 20,000 PC Optimum™ points (worth $20) after spending $50 or more in total qualifying purchases within 60 days of approval.
With the CIBC Dividend Visa Infinite, you can earn 4% cash back on groceries, gas, and electric vehicle charging, 2% on dining, transportation, and recurring payments, and 1% on all other purchases.
The Rogers Red World Elite Mastercard offers 3% cash back on U.S. dollar purchases, 2% on eligible purchases, and 1.5% cash back on all other purchases.
No, the PC® Mastercard® has an annual fee of CA$0, making it a cost-effective option for earning rewards on everyday purchases.
To apply for a store credit card, visit the issuing bank's website or a physical store location. You'll typically need to provide personal information, income details, and consent for a credit check.
When choosing a store credit card, consider factors such as the rewards structure, annual fees, and any additional benefits like discounts or promotions. Compare several cards to find the one that aligns best with your shopping habits.
Store credit cards often offer rewards in the form of cash back, points, or discounts on future purchases. The specific rewards can vary significantly from card to card, so it's essential to review the details before applying.
