Up to 4.5% back in PC® Optimum™ Points on every swipe
No annual fees and at least 1% back in PC® Optimum™ points everywhere with every swipe.
Enjoy 20,000 bonus PC Optimum™ points**
Make the most from your award-winning§ credit card
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)
One application matches you with the right no annual fee PC® Mastercard® based on your eligibility
Eligibility
Subject to credit approval and other eligibility criteria.
You can earn:
1% back in points* at our grocery stores1- At least 3¢ / litre back in points at Esso™ and Mobil™ stations in Canada3
- 2.5% back in points at Shoppers Drug Mart® and Pharmaprix®2
- 1% back in points at Joe Fresh®*
- 1% back in points on dining, transit, and everywhere else*
Core benefits
Mastercard Global ServiceTM4
Purchase Assurance5
Extended Warranty5
Redeem PC OptimumTM points instantly in-stores and in-app to pay down your balance9
Eligibility
Subject to credit approval and other eligibility criteria.
You can earn:
- 1% back in points* at our grocery stores1
- At least 3¢ / litre back in points at Esso™ and Mobil™ stations in Canada3
- 2.5% back in points at Shoppers Drug Mart® and Pharmaprix®2
- 1% back in points at Joe Fresh®*
- 1% back in points on dining, transit, and everywhere else*
Core benefits
- Mastercard Global ServiceTM4
- Purchase Assurance5
- Extended Warranty5
- Redeem PC OptimumTM points instantly in-stores and in-app to pay down your balance9
Eligibility
Minimum $50,000 (personal) or $80,000 (household) annual income required. Subject to credit approval and other eligibility criteria.
You can earn:
- 2% back in points* at our grocery stores1
- At least 3¢ / litre back in points at Esso™ and Mobil™ stations in Canada3
- 3.5% back in points at Shoppers Drug Mart® and Pharmaprix®2
- 2% back in points at Joe Fresh®*
- 1% back in points on dining, transit, and everywhere else*
Core benefits
- Mastercard Global ServiceTM4
- Purchase Assurance5
- Extended Warranty5
- Redeem PC OptimumTM points instantly in-stores and in-app to pay down your balance9
Additional benefits
Concierge Services6
Eligibility
Minimum $80,000 (personal) or $150,000 (household) annual income required. Subject to credit approval and other eligibility criteria.
You can earn:
- 3% back* in points at our grocery stores1
- At least 3¢ / litre back in points at Esso™ and Mobil™ stations in Canada3
- 4.5% back in points at Shoppers Drug Mart® and Pharmaprix®2
- 3% back in points at Joe Fresh®*
- 1% back in points on dining, transit, and everywhere else*
Core benefits
- Mastercard Global ServiceTM4
- Purchase Assurance5
- Extended Warranty5
- Redeem PC OptimumTM points instantly in-stores and in-app to pay down your balance9
But wait, there's more benefits
- Concierge Services6
Travel Emergency Medical Insurance6
Car Rental Collision/Loss Damage Waiver Insurance6
Identity Theft Assistance Service6
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.
Turn your PC Optimum™ points into instant savings. Redeem your points anytime at over 4,500 locations across Canada or towards paying down your PC Financial® credit card balance.
Insurance coverage available for your PC® Mastercard®
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 websites3.
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 1% back in points when you shop2 and 2.5% back in points at Shoppers Drug Mart® stores5.
PC® World Mastercard®: Offers no annual fee, 3.5% back in points at Shoppers Drug Mart® stores5 and 2% back in points2 at participating grocery stores3.
PC® World Elite® Mastercard®: Offers no annual fee, 4.5% back in points at Shoppers Drug Mart® stores5 and 3% back in points2 at participating grocery stores3.
Plus, earn at least 3¢ / litre back in points on gas at Esso™ and Mobil™ stations in Canada4.
Note: Your application for a no annual fee PC® Mastercard® will be evaluated to determine the most suitable card for you.