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PC Financial

The only bank that rewards your everyday banking and spending with PC Optimum™ points.

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PC Financial®
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AccessibilitySocial Responsibility (opens in a new window)External linkPCOptimum.ca (opens in a new window)External linkPresident’s Choice (opens in a new window)External linkEsso™ and Mobil™ credit cards

President's Choice Financial Mastercard is provided by President's Choice Bank. PC Optimum program is provided by President’s Choice Services Inc.

Apply for any of our products and start earning more points today!

  • No annual fee credit card

    PC® Mastercard®

    Earn 20,000 points1 when you spend $50 or more with this award-winning credit card and fast track your points on groceries, beauty, apparel and fuel.

    Apply now (opens in a new window)External linkLearn more
  • Annual fee credit card

    PC Insiders™ World Elite® Mastercard®

    No annual fee for your first year2. You’ll get up to $1,100 in average value every year3 including $0 grocery delivery and pickup on eligible orders4.

    Apply Now (opens in a new window)External linkLearn more
  • No monthly fee bank account

    PC Money™ Account
    Earn interest*

    Plus, get a welcome offer of 150,000 points5 (that’s like $150). Join thousands of customers earning more value with the only bank account that rewards you for your everyday banking and spending, and now interest on your savings.

    Open account (opens in a new window)External linkLearn more

Credit cards

Earn unlimited PC Optimum™ points and maximize the value of your everyday spending on essentials like groceries, beauty, apparel, and fuel.

Everyday spending

PC® Mastercard®

  • At least 3¢ / litre in points at Esso™ and Mobil™ stations7 in Canada.
  • Up to 3% back in points8 at Loblaw® banner grocery stores9.
  • Up to 4.5% back in points10 at Shoppers Drug Mart® stores.
  • Up to 3% back in points at Joe Fresh® stores11.
  • points
    1% back in points everywhere else11.
  • Purchase Assurance12 and much more based on the card you are approved for.

Awards§ won by PC® Mastercard®.

Annual fee: No annual fee‡

Apply now (opens in a new window)External link
Most rewarding card

PC InsidersTM World Elite® Mastercard®

  • Up to 7¢ / litre in points14 at Esso™ and Mobil™ stations in Canada. Most value on gas spend of all our cards.
  • 4% in points15 at Loblaw® banner grocery stores9.
  • 5% back in points10 at Shoppers Drug Mart® stores.
  • 4% back in points at Joe Fresh® stores11.
  • points
    1% back in points everywhere else11.
  • Identity Theft Assistance Service, Purchase Assurance12, Extended Warranty17, Travel Emergency Medical Insurance and much more.

Skip the lines, skip delivery fees

FREE PC Express™ Pass with unlimited $0 delivery and pickup (valued at $99.99) per year*** on eligible orders of $30 or more.

Annual fee: $120†

Apply Now (opens in a new window)External link

Bank account

The only no monthly fee bank account that rewards you with PC Optimum™ points for everyday banking and spending, plus interest on your savings.

PC MoneyTM Account

  • PC Money Account
    Earn interest* when you add savings
  • No minimum balance required and free Interac e‑Transfer® services.
  • Free unlimited everyday transactions online and in‑store21.
  • Up to 5K points per month on bill payments of $50+18.
  • Up to 5K points per month on payroll or pension direct deposit17.
  • 25 points per $1 at Shoppers Drug Mart® stores22.
  • points
    Up to 10 points per $1 everywhere else19.

Open account (opens in a new window)

Earn More. Redeem More.

Redeem your points your way! Redeem 10,000 points and enjoy $10 value at 4,500+ stores, or $7 towards paying down your credit card balance.11

  • Loblaws
  • No Frills
  • Shoppers Drug Mart
  • Real Canadian Superstore
  • Zehrs
  • Wholesale Club
  • Value-mart
  • Joe Fresh
  • Independent
  • Fortinos
  • The Mobile Shop
  • PC Express
Find locations in your area (opens in a new window)External linkRead more on points redemption (opens in a new window)External link

What Our Customers Are Saying

On my way to my first million points with my PC Money Account and PC Mastercard (opens in a new window)! What's not to love? No monthly fee or annual fee, points everywhere, every time! Great way to budget as well!

- Vito

If you use the PC Mastercard (opens in a new window) for most purchases monthly and pay it off monthly, it does help financially! By the end of November, I saved up over $1000 in free groceries and used them during the month of December! It’s a win for us!

- Shannon

I'm glad I got the PC Money Account. Within the last 3 weeks I've gotten nearly $80 in points with the purchases I've made and my pay being deposited.

- Lisa-Nassy