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 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
Subject to credit approval and other eligibility criteria
Minimum criteria
$60,000/ year Min personal income
-OR-
$100,000/ year Min household income
Subject to credit approval and other eligibility criteria
Minimum criteria
$80,000/ year Min personal income
-OR-
$150,000/ year Min household income
In our grocery stores1
(per $1)
10
per $1
20
per $1
30
per $1
(per $1)
25
per $1
35
per $1
45
per $1
(per litre)
Earn at least
30
per litre
Earn at least
30
per litre
Earn at least
30
per litre
(per $1)
20
per $1
20
per $1
30
per $1
Everywhere else
(per $1)
10
per $1
10
per $15
10
per $1
Same rates for all cards
20.97%
Purchase 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.
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!
PC Optimum rewards calculator7,8,9
My total monthly purchases:
$0That's worth:
$0in PC Optimum points annually
(0 PC Optimum points)
Health
i02000
Gas
i02000
Travel
i02000
Groceries
i02000
Everywhere else
i02000