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Get to free fast with a PC® Mastercard®. 

Apply for a no annual fee PC® Mastercard® and accelerate your PC Optimum™ points earning.

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Earn PC Optimum™
points everywhere you shop.

Redeem12 at more than 4,500 locations across Canada.

Get up to 10% back in points‡.

Start accelerating your PC Optimum™ points earn when you follow these 3 easy steps:

LOAD

Load new personalized offers every Thursday exclusively on the PC Optimum™ app and PC Financial® app to help you plan your shop.

SHOP

Using the PC® Mastercard® at our stores1 and during bonus events is the fastest way to pile up points. Plus, earn points anywhere you shop5.

STACK

Stack points by scanning your PC Optimum™ app and paying with your PC® Mastercard® to power up your points potential.

The only credit card that earns you up to 10% back in PC Optimum™ points†. Here’s one way to earn points in a year**:

$40/month average spend on fuel at Esso™ or Mobil™ stations3.

$150/month average spend at Shoppers Drug Mart® stores2.

$200/month average spend at participating grocery stores1.

$390/month average spend everywhere else4.

For example, by stacking a total of $9,360 in purchases with offer events like 20x the points at Shoppers Drug Mart® stores, you could earn $980 back in points this year.

**This example is being used for illustration purposes only and reflects earning rates with the PC® World Elite® Mastercard® in combination with the PC Optimum™ program. There are a variety of ways to earn 10% back in points based on spend; individual results will vary.

Discover your earning potential.5

Estimated monthly spending:

$0
PC Mastercard image

PC® Mastercard®

That's worth up to:

$20

in PC Optimum™ points during your first year depending on which card you're approved for.

Estimate based on PC® World Elite® Mastercard® earning rates and assumed spending by category. Individual spending rates will vary.

  • Health

    Monthly purchase amount for Health
    0
    105
    2000

  • Gas

    Monthly purchase amount for Gas
    0
    210
    2000

  • Groceries

    Monthly purchase amount for Groceries
    0
    315
    2000

  • Everywhere else

    Monthly purchase amount for Everywhere else
    0
    950
    2000

  • Welcome bonus

    $20 in points

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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Get the most from your award-winning credit card§

Enjoy these great features and benefits.

Mastercard Global Service™

Replaces your card or offers a cash advance5 in case of emergency.

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Purchase Assurance

Your eligible purchases are protected for 90 days in the event of loss, theft, or damage when you pay in full using your PC® Mastercard® credit card6.

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Extended Warranty

Receive double the period of repair services provided by the original manufacturer for up to one year for eligible items purchased using your PC® Mastercard® credit card6.

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Rest easy knowing your information is secure

Fraud detection

PC Financial® uses best-in-class fraud detection tools right from the start of your application. We provide fraud monitoring to our customers on their transactions and have a dedicated team of fraud specialists to support our customers.

128-bit Data encryption

Encryption scrambles all information between your personal computer and the secured areas of our website and ensures one of the highest levels of security, privacy, and confidentiality.

Proactive monitoring

PC Financial® also offers optional products that can help you proactively monitor, manage and protect your valuable credit and personal information.

We're here to help.

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Scan, pay and earn points.

Earn more PC Optimum™ points when you scan and pay with your PC® Mastercard®.

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PCF App

Looking for an everyday bank account instead? Check out the PC Money™ Account.

Use the PC Money™ Account worldwide (even online) anywhere Mastercard® is accepted. Plus, score up to 10 PC Optimum™ points10 for every $1 of your purchases and enjoy free Interac e‑Transfer® services.

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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.