Free feels really good.

Like playing a scratch card good.

See your Welcome Offer*, 20,000 PC Optimum points*

Earn more PC Optimum points and get to free fast with the no annual fee PC Financial Mastercard®. Earn PC Optimum points on everything – groceries, gas, beauty, and earn everywhere you shop! Plus, you’ll also receive a 20,000 PC Optimum points Welcome Offer* when you make your first purchase with your new card at a participating store.

PC Optimum Rewards Calculator7,8,9

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)

Compare our cards

No annual fee
 

Eligibility  

$60,000/
year
Min personal income
-OR-
$100,000/
year
Min household income
$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
logo-no-frills
logo-loblaws
logo-rcss-unifer
logo-zehrs
logo-independent
logo-valu-mart
logo-fortinos
 
10 /$11
20 /$11
30 /$11
25 /$12
35 /$12
45 /$12

Earn at least:

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

Everywhere else

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

Upgrade Criteria

N/A
$15,000/
year
Min spend
 
$25,000/
year
Min spend
 

Same rates for all cards

Learn more

19.97%

Purchases interest rate (standard)

22.97%

Cash advance interest rate (standard)

0.97%

For 6 months on promotional balance transfers for new accounts6

21 days

Interest-free grace period on new purchases

Redeem often. Redeem easily.

Use the PC Financial Mastercard® everywhere you shop, and you’ll be earning PC Optimum points like a pro. As soon as you reach 10,000 points**, you can redeem $10 worth of free stuff at any of our participating stores, online at Beautyboutique.ca, JoeFresh.com, and through the PC Express website.

 
 
,
 
 
 
 points $
 
 
Points do not expire!

Highest in Customer Satisfaction
with Credit Card Companies.

For J.D. Power 2018 award information, visit Canada.jdpower.com/awards

Free feels really good.

Apply for the PC Financial Mastercard® and make your first purchase with your new card at participating stores to receive your 20,000 PC Optimum points Welcome Offer*.