Let's get you to free, fast.

Apply today for a no annual fee PC Financial Mastercard^® to get closer to free rewards**.

Earn more PC Optimum points where you already shop with the no annual fee President's Choice Financial Mastercard^®. It's your key to free rewards.

Compare our cards

Product comparison chart
Cards	PC Financial Mastercard^®	PC Financial World Mastercard^®	PC Financial World Elite Mastercard^®
Fee	No annual fee
Eligibility	Subject to credit approval and other eligibility criteria	$60,000/year minimum personal income ‑OR‑ $100,000/year minimum household income ‑AND‑ Subject to credit approval and other eligibility criteria	$80,000/year minimum personal income ‑OR‑ $150,000/year minimum household income ‑AND‑ Subject to credit approval and other eligibility criteria
In our grocery stores	10 per $1^{1 Additional information provided in legal stuff at the bottom of the page.}	20 per $1^{1 Additional information provided in legal stuff at the bottom of the page.}	30 per $1^{1 Additional information provided in legal stuff at the bottom of the page.}
Stores
	25 per $1^{2 Additional information provided in legal stuff at the bottom of the page.}	35 per $1^{2 Additional information provided in legal stuff at the bottom of the page.}	45 per $1^{2 Additional information provided in legal stuff at the bottom of the page.}
	Earn at least 30 per litre^{3 Additional information provided in legal stuff at the bottom of the page.}	Earn at least 30 per litre^{3 Additional information provided in legal stuff at the bottom of the page.}	Earn at least 30 per litre^{3 Additional information provided in legal stuff at the bottom of the page.}
	20 per $1^{4 Additional information provided in legal stuff at the bottom of the page.}	20 per $1^{4 Additional information provided in legal stuff at the bottom of the page.}	30 per $1^{4 Additional information provided in legal stuff at the bottom of the page.}
Everywhere else	10 per $1^{5 Additional information provided in legal stuff at the bottom of the page.}	10 per $1^{5 Additional information provided in legal stuff at the bottom of the page.}	10 per $1^{5 Additional information provided in legal stuff at the bottom of the page.}

Same rates for all cards

20.97%
Purchase interest rate (standard).
22.97%
Cash advance interest rate (standard). In Quebec, 21.97%.
0.97%
Promotional balance transfers^{6 Additional information provided in legal stuff at the bottom of the page.} for 6 months.
21 days
Interest-free grace period on new purchases.

Earn and redeem PC Optimum points

Earn PC Optimum points fast with your new PC Financial Mastercard^®. You only need 10,000 points to start redeeming for free stuff at participating stores. When you use your new PC Financial Mastercard^® on your first purchase at a Shoppers Drug Mart, Pharmaprix or Loblaw banner store, your 20,000 welcome bonus will give you a $20 head start!

PC Optimum rewards calculator^{7,8,9 Additional information provided in legal stuff at the bottom of the page.}

My total monthly purchases:

That's worth:

in PC Optimum points annually
(0 PC Optimum points)

PC Financial Mastercard

PC Financial World Mastercard

PC Financial World Elite Mastercard

Health
0
0
2000
Health
Gas
0
0
2000
Gas
Travel
0
0
2000
Travel
Groceries
0
0
2000
Groceries
Everywhere else
0
0
2000
Everywhere else

Let's get you to free, fast.

Get $20 worth of PC Optimum points as a welcome bonus!

Compare our cards

Cards

PC Financial
Mastercard^®

PC Financial World
Mastercard^®

PC Financial World Elite
Mastercard^®

Fee

No annual fee

Eligibility

In our grocery stores

Stores

Everywhere else

Same rates for all cards

Earn and redeem PC Optimum points

PC Optimum rewards calculator^{7,8,9 Additional information provided in legal stuff at the bottom of the page.}

Let's get you to free, fast.

Get $20 worth of PC Optimum points as a welcome bonus!

Compare our cards

Cards

PC FinancialMastercard®

PC Financial WorldMastercard®

PC Financial World EliteMastercard®

Fee

No annual fee

Eligibility

In our grocery stores

Stores

Everywhere else

Same rates for all cards

Earn and redeem PC Optimum points

PC Optimum rewards calculator7,8,9 Additional information provided in legal stuff at the bottom of the page.

PC Financial
Mastercard^®

PC Financial World
Mastercard^®

PC Financial World Elite
Mastercard^®

PC Optimum rewards calculator^{7,8,9 Additional information provided in legal stuff at the bottom of the page.}