Let's get you to free, fast.

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

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

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

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

10points

per $11 Additional information provided in legal stuff at the bottom of the page.

20points

per $11 Additional information provided in legal stuff at the bottom of the page.

30points

per $11 Additional information provided in legal stuff at the bottom of the page.

Stores

  • Loblaws
  • No Frills
  • Value-mart
  • Zehrs
  • Real Canadian Superstore
  • Independent
  • Fortinos
  • Wholesale Club
Shoppers Drug Mart
25points

per $12 Additional information provided in legal stuff at the bottom of the page.

35points

per $12 Additional information provided in legal stuff at the bottom of the page.

45points

per $12 Additional information provided in legal stuff at the bottom of the page.

Esso Mobil

Earn at least

30points

per litre3 Additional information provided in legal stuff at the bottom of the page.

Earn at least

30points

per litre3 Additional information provided in legal stuff at the bottom of the page.

Earn at least

30points

per litre3 Additional information provided in legal stuff at the bottom of the page.

PC Travel
20points

per $14 Additional information provided in legal stuff at the bottom of the page.

20points

per $14 Additional information provided in legal stuff at the bottom of the page.

30points

per $14 Additional information provided in legal stuff at the bottom of the page.

Everywhere else

10points

per $15 Additional information provided in legal stuff at the bottom of the page.

10points

per $15 Additional information provided in legal stuff at the bottom of the page.

10points

per $15 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 transfers6 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 storesExternal link. 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 calculator7,8,9 Additional information provided in legal stuff at the bottom of the page.

My total monthly purchases:

$0

That's worth:

$0

in PC Optimum points annually
(0 PC Optimum points)

  • Health

    0
    0
    2000
  • Gas

    0
    0
    2000
  • Travel

    0
    0
    2000
  • Groceries

    0
    0
    2000
  • Everywhere else

    0
    0
    2000