All PC® Mastercard® cards
Top PC Optimum™ points-earning credit cards for every lifestyle.
No annual fee PC® Mastercard®
Annual fee:
$0‡
Additional cardholders:
Free
Purchase interest rate (Standard)1:
21.99%
Cash advance interest rate (Standard)1:
22.97%
21.97% (Quebec)
Eligibility:
Minimum $50,000-$80,000 (personal) or $80,000-$150,000 (household) annual income required, depending on the PC® Mastercard® you’re matched with. Subject to credit approval and other eligibility criteria.
Rewards to look forward to
Grocery stores
up to
3%
back in points6 at our grocery stores2
Gas stations
at least
3¢
per litre back in points at EssoTM and MobilTM stations7
Health & beauty
up to
4.5%
back in points at Shoppers Drug Mart® and Pharmaprix®4
Clothing
up to
3%
back in points at Joe Fresh® stores6
Everywhere else
1%
back in points on dining, transit, and everywhere else6
PC Insiders™ World Elite® Mastercard®
Annual fee:
$120†
First year annual fee waived*
Additional cardholders:
Free
Purchase interest rate (Standard)1:
21.99%
Cash advance interest rate (Standard)1:
22.97%
21.97% (Quebec)
Eligibility:
Minimum $80,000 (personal) or $150,000 (household) annual income required. Subject to credit approval and other eligibility criteria.
Rewards to look forward to
Grocery stores
4%
back in points3 at our grocery stores2
Gas stations
up to
7¢
per litre back in points at EssoTM and MobilTM stations5
Health & beauty
5%
back in points at Shoppers Drug Mart® and Pharmaprix®4
Clothing
4%
back in points at Joe Fresh® stores3
Everywhere else
1%
back in points on dining, transit, and everywhere else6
Frequently asked questions
What is the PC Financial® Mastercard®?
A PC® Mastercard® is a credit card issued by President's Choice Bank. It allows you to make purchases conveniently and securely, both online and in-store, while earning valuable PC Optimum™ points on everyday spending with no caps for earning points. Points can be redeemed at participating locations or participating websites2.
What are the differences between the three No Annual Fee PC® Mastercard® credit cards?
President's Choice Financial offers a range of no annual fee credit cards that offer value for everyday spending with no limits on points earning. Here's a quick look at each credit card:
PC® Mastercard®: The no annual fee card that rewards you 1% back in points when you shop6 and 2.5% back in points at Shoppers Drug Mart® stores4.
PC® World Mastercard®: Offers no annual fee, 3.5% back in points at Shoppers Drug Mart® stores4 and 2% back in points6 at participating grocery stores2.
PC® World Elite® Mastercard®: Offers no annual fee, 4.5% back in points at Shoppers Drug Mart® stores4 and 3% back in points6 at participating grocery stores2.
Plus, earn at least 3¢ / litre back in points on gas at Esso™ and Mobil™ stations in Canada7.
Note: Your application for a no annual fee PC® Mastercard® will be evaluated to determine the most suitable card for you.