Let's get you to free, fast.

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

Get 100,000 bonus points* with a new PC Financial Mastercard®.

Get $100* 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 and other eligibility criteria

Minimum

$60,000/year minimum personal income

-OR-

$100,000/year min household income


-AND-


Subject to credit approval and other eligibility criteria

Minimum

$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 stores1

(per $1)

10points

per $1

20points

per $1

30points

per $1

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

(per $1)

25points

per $1

35points

per $1

45points

per $1

Esso Mobil

(per litre)

Earn at least

30points

per litre

Earn at least

30points

per litre

Earn at least

30points

per litre

PC Travel

(per $1)

20points

per $1

20points

per $1

30points

per $1

Everywhere else

(per $1)

10points

per $1

10points

per $15

10points

per $1

Same rates for all cards

  • 20.97%

    Purchase interest rate (standard).

  • 22.97%

    Cash advance interest rate (standard). In Quebec, 21.97%.

  • 0.97%

    For 6 months on promotional balance transfers6 for new accounts.

  • 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 100,000 welcome bonus will give you a $100 head start!

PC Optimum rewards calculator7,8,9

My total monthly purchases:

$0

That's worth:

$0

in PC Optimum points annually
(0 PC Optimum points)

  • Health

    i
    0
    0
    2000
  • Gas

    i
    0
    0
    2000
  • Travel

    i
    0
    0
    2000
  • Groceries

    i
    0
    0
    2000
  • Everywhere else

    i
    0
    0
    2000