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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.

The no annual fee PC® Mastercard®

Get up to $750 in points every year** when you spend on everyday purchases like grocery, fuel, beauty, apparel, and gas.

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pc mastercard
Limited time offer

Enjoy 40,000 PC Optimum™ points in a welcome offer*

when you apply for the no annual fee PC® Mastercard® today.
Apply now (opens in a new window)External link

Become a PC Optimum™ points magnet.

  • Earn up to 30 pts per $14

    on every purchase you make at these Loblaw affiliated grocery stores1.

  • Earn at least 30 pts per litre

    when you fuel up at Esso™ and Mobil™ stations in Canada3.

  • Earn up to 45 pts per $1

    at Shoppers Drug Mart® and Pharmaprix® stores2.

  • Earn up to 30 pts per $1

    at Joe Fresh® stores4 and online.

  • Earn 10 pts per $1

    when you spend everywhere else4.
    • Apply now (opens in a new window)External link

    Make the most out of your PC® Mastercard® when you link.

    Linking your PC Optimum™ account to your PC® Mastercard® account gives you more ways to earn points as both a PC Optimum™ member and a PC® Mastercard® cardholder. Enjoy personalized offers in your PC Financial® account and easily track your PC Optimum™ points all in one place.

    Learn how to link your account (opens in a new window)External link
    link pc optimum with pc mastercard

    Make the most from your award-winning§ credit card

    2024 MoneySense Best Points Credit Card for Gas
    #1 Most Trusted Brand by Canadians 2026

    Get the most from your award-winning credit card§

    Enjoy these great features and benefits.

    Mastercard Global Service™

    Replaces your card or offers a cash advance5 in case of emergency.

    Learn more (opens in a new window)External link

    Purchase Assurance

    Your eligible purchases are protected for 90 days in the event of loss, theft, or damage when you pay in full using your PC® Mastercard® credit card6.

    Learn more (opens in a new window)External link

    Extended Warranty

    Receive double the period of repair services provided by the original manufacturer for up to one year for eligible items purchased using your PC® Mastercard® credit card6.

    Learn more (opens in a new window)External link
    Learn more (opens in a new window)External link

    Scan, pay and earn points.

    Earn more PC Optimum™ points when you scan and pay with your PC® Mastercard®.

    Get it on Google Play (opens in a new window)Download on the App Store (opens in a new window)
    PCF App

    No annual fee

    Free additional cardholders

    $0

    Purchase interest rate (standard)7

    21.99%

    Cash advance interest rate (standard)7

    22.97%
    21.97% (Quebec)

    View Application Disclosure Summary (opens in a new window)External link

    Rest easy knowing your information is secure

    Fraud detection

    PC Financial® uses best-in-class fraud detection tools right from the start of your application. We provide fraud monitoring to our customers on their transactions and have a dedicated team of fraud specialists to support our customers.

    128-bit Data encryption

    Encryption scrambles all information between your personal computer and the secured areas of our website and ensures one of the highest levels of security, privacy, and confidentiality.

    Proactive monitoring

    PC Financial® also offers optional products that can help you proactively monitor, manage and protect your valuable credit and personal information.