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PC Financial®
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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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Limited time offer

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

when you apply for the no annual fee PC® Mastercard® today.

40K PC Optimum™ points welcome offer:

Earn

40,000 points*

in welcome offers when you spend $40 or more at a participating store where President's Choice® products are sold or at an Esso™ or Mobil™ station in Canada.

Offer ends December 31, 2025. See terms and conditions* for details.

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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.

    • Eligibility requirements

    PC® Silver Mastercard®

    Subject to credit approval and other eligibility criteria.

    PC® World Mastercard®

    Personal income of $50,000/year minimum or household income of $80,000/year minimum before tax. Subject to credit approval and other eligibility criteria.

    PC® World Elite Mastercard®

    Personal income of $80,000/year minimum or household income of $150,000/year minimum before tax. Subject to credit approval and other eligibility criteria.

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    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

    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)

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    Make the most from your award-winning§ credit card

    PC MASTERCARD AWARD

    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.

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    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.

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    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.

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    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.

    Scan, pay and earn points.

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

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