Let's get you to free, fast.

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

Get 20,000 PC Optimum points* with a new PC Financial Mastercard®. No annual fee.

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.

No annual fee
 

Eligibility  

Subject to credit approval
Subject to credit approval

Minimum criteria
$60,000/
year
Min personal income
-OR-
$100,000/
year
Min household income
Subject to credit approval

Minimum criteria
$80,000/
year
Min personal income
-OR-
$150,000/
year
Min household income

In our stores

logo-no-frills
logo-loblaws
logo-rcss-unifer
logo-zehrs
logo-independent
logo-valu-mart
logo-fortinos
wholesale
logo-no-frills
logo-loblaws
logo-rcss-unifer
logo-zehrs
logo-independent
logo-valu-mart
logo-fortinos
wholesale
 
10 /$11
20 /$11
30 /$11
25 /$12
35 /$12
45 /$12

Earn at least: i

30 /1 litre3
30 /1 litre3
30 /1 litre3
20 /$14
20 /$14
30 /$14

Everywhere else

10 /$15
10 /$15
10 /$15

Same rates for all cards

Learn more

19.97%

Purchases interest rate (standard)

0.97%

For 6 months on promotional balance transfers for new accounts6

22.97%

Cash advance interest rate (standard)

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!


 
 
,
 
 
 
 points = $
 
 
**

PC Optimum rewards calculator7,8,9

Watch the points add up.

Use this calculator to discover how you can maximize your PC Optimum points with a President's Choice Financial Mastercard.

  • 1.Select a card from the three options below.
  • 2.Adjust the sliders for each category to set your estimated monthly purchases or click the $0 icon to enter the amount(s) manually.
  • 3.View your purchase/rewards summary on the right-hand side.

My total monthly purchases:

That’s worth

in PC Optimum points annually

(100000 PC Points)