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No annual fee PC® Mastercard®

Earn everywhere with no limits

The no annual fee PC® Mastercard® gets you at least 1% back in points everywhere. There’s no limit to your points earning potential. Can your cashback card do that?

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PC Mastercard
Welcome Offer

Enjoy 20,000 bonus PC Optimum™ points**

with the no annual fee PC® Mastercard®.

20,000 bonus PC Optimum™ points** welcome offer:

Earn

20,000 points**

when you apply for the no annual fee PC® Mastercard® and make your first purchase with your new card.

See terms and conditions** for details.

PC Mastercard

Make the most from your award-winning§ credit card

PC MASTERCARD AWARD

No annual fee

Free additional cardholders

$0

Purchase interest rate (standard)7

21.99%

Cash advance interest rate (standard)7

22.97%
21.97% (Quebec)

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One application matches you with the right no annual fee PC® Mastercard® based on your eligibility

PC Mastercard
PC® Mastercard®

Eligibility

Subject to credit approval and other eligibility criteria.

You can earn:

  • Inverted Purple Checkmark Icon
    1% back* in points at our grocery stores1.
  • Inverted Purple Checkmark Icon
    At least 3¢ / litre back in points at Esso™ and Mobil™ stations3.
  • Inverted Purple Checkmark Icon
    2.5% back in points at Shoppers Drug Mart® and Pharmaprix®2.
  • Inverted Purple Checkmark Icon
    1% back in points at Joe Fresh®*.
  • Inverted Purple Checkmark Icon
    1% back in points on dining, transit, and everywhere else*.

Core benefits11

  • McGlobalService Icon
    Mastercard Global ServiceTM4
  • PurchaseInsurance Icon
    Purchase Assurance5
  • ExtendedWarranty Icon
    Extended Warranty5
PC Mastercard
PC® Mastercard®

Eligibility

Subject to credit approval and other eligibility criteria.

You can earn:

  • Inverted Purple Checkmark Icon
    1% back* in points at our grocery stores1.
  • Inverted Purple Checkmark Icon
    At least 3¢ / litre back in points at Esso™ and Mobil™ stations3.
  • Inverted Purple Checkmark Icon
    2.5% back in points at Shoppers Drug Mart® and Pharmaprix®2.
  • Inverted Purple Checkmark Icon
    1% back in points at Joe Fresh®*.
  • Inverted Purple Checkmark Icon
    1% back in points on dining, transit, and everywhere else*.

Core benefits11

  • McGlobalService Icon
    Mastercard Global ServiceTM4
  • PurchaseInsurance Icon
    Purchase Assurance5
  • ExtendedWarranty Icon
    Extended Warranty5
PC Mastercard
PC® World Mastercard®

Eligibility

Minimum $50,000 (personal) or $80,000 (household) annual income required. Subject to credit approval and other eligibility criteria.

You can earn:

  • Inverted Purple Checkmark Icon
    2% back* in points at our grocery stores1.
  • Inverted Purple Checkmark Icon
    At least 3¢ / litre back in points at Esso™ and Mobil™ stations3.
  • Inverted Purple Checkmark Icon
    3.5% back in points at Shoppers Drug Mart® and Pharmaprix®2.
  • Inverted Purple Checkmark Icon
    2% back in points at Joe Fresh®*.
  • Inverted Purple Checkmark Icon
    1% back in points on dining, transit, and everywhere else*.

Core benefits11

  • McGlobalService Icon
    Mastercard Global ServiceTM4
  • PurchaseInsurance Icon
    Purchase Assurance5
  • ExtendedWarranty Icon
    Extended Warranty5

Additional benefits

  • Concierge1 Icon
    Concierge Services8
PC® World Elite® Mastercard®
PC® World Elite® Mastercard®

Eligibility

Minimum $80,000 (personal) or $150,000 (household) annual income required. Subject to credit approval and other eligibility criteria.

You can earn:

  • Inverted Purple Checkmark Icon
    3% back* in points at our grocery stores1.
  • Inverted Purple Checkmark Icon
    At least 3¢ / litre back in points at Esso™ and Mobil™ stations3.
  • Inverted Purple Checkmark Icon
    4.5% back in points at Shoppers Drug Mart® and Pharmaprix®2.
  • Inverted Purple Checkmark Icon
    3% back in points at Joe Fresh®*.
  • Inverted Purple Checkmark Icon
    1% back in points on dining, transit, and everywhere else*.

Core benefits11

  • McGlobalService Icon
    Mastercard Global ServiceTM4
  • PurchaseInsurance Icon
    Purchase Assurance5
  • ExtendedWarranty Icon
    Extended Warranty5

Additional benefits

  • Concierge1 Icon
    Concierge Services6
  • Emergency Travel Medical Insurance Icon
    Travel Emergency Medical Insurance6
  • Identity1 Icon
    Identity Theft Assistance Service6
  • Car Rental Icon
    Car Rental Collision/Loss Damage Waiver Insurance6
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Like cashback, without the catches

Earn points everywhere you shop.

Earn PC Optimum™ points on every dollar you spend; that’s at least 1% back in points* including dining, gym memberships, subscriptions, and everything else you purchase.

Unlimited points that don't expire.

Good news! Your PC Optimum™ points don’t expire, and there are no limits on how many points you can earn. So, you can keep earning on everything you buy, whenever you want — with no catches.

Earn up to $750 every year.†

From grocery, fuel, and beauty to everyday purchases, you’ll get valuable rewards whenever and wherever you use your card.

Convenient rewards on your terms.

You don’t have to wait for your next statement to cash in. Redeem your PC Optimum™ points anytime at checkouts across Canada and get $10 in value for every 10,000 points.1

Insurance coverage available for your PC® Mastercard®

Help protect your PC® Mastercard® with the Payment Support Plan (“PSP”), an optional insurance plan, that helps cover your credit card balance during difficult times.
Learn more
Credit Card

Frequently asked questions.

What is the PC Financial® Mastercard®?

A PC® Mastercard® is a credit card issued by President's Choice Bank. It allows you to make purchases conveniently and securely, both online and in-store, while earning valuable PC Optimum™ points on everyday spending with no caps for earning points. Points can be redeemed at participating locations or participating websites1.

What are the differences between the three No Annual Fee PC® Mastercard® credit cards?

President's Choice Financial offers a range of no annual fee credit cards that offer value for everyday spending with no limits on points earning.

Here's a quick look at each credit card:

  • PC® Mastercard®: The no annual fee card that rewards you with 1% back in points when you shop* and 2.5% back in points at Shoppers Drug Mart® stores2.

  • PC® World Mastercard®: Offers no annual fee, 3.5% back in points at Shoppers Drug Mart® stores2 and 2% back in points* at participating grocery stores1.

  • PC® World Elite® Mastercard®: Offers no annual fee, 4.5% back in points at Shoppers Drug Mart® stores2 and 3% back in points* at participating grocery stores1.

Plus, earn at least 3¢ / litre back in points on gas at Esso™ and Mobil™ stations in Canada3.

Apply for our no annual fee PC® Mastercard® and we’ll match you to the best credit card based on your eligibility.

More FAQs
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President's Choice Financial Mastercard is provided by President's Choice Bank. PC Optimum program is provided by President’s Choice Services Inc.