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No annual fee PC® Mastercard®

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.

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AccessibilitySocial Responsibility (opens in a new window)External linkPCOptimum.ca (opens in a new window)External linkPresident’s Choice (opens in a new window)External linkEsso™ and Mobil™ credit cards

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

Limited time offer 🎉

Enjoy 50,000 bonus PC OptimumTM points**

when you apply for the no annual fee PC® Mastercard® by June 30, 2026

Apply now (opens in a new window)

Make the most from your award-winning§ credit card

PC MASTERCARD AWARD
Most Trusted 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)

View Application Disclosure Summary (opens in a new window)External link

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™ stations in Canada3
  • 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 benefits

  • McGlobalService Icon
    Mastercard Global ServiceTM4
  • PurchaseInsurance Icon
    Purchase Assurance5
  • ExtendedWarranty Icon
    Extended Warranty5
  • Check Icon
    Redeem PC OptimumTM points instantly in-stores and in-app to pay down your balance9
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™ stations in Canada3
  • 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 benefits

  • McGlobalService Icon
    Mastercard Global ServiceTM4
  • PurchaseInsurance Icon
    Purchase Assurance5
  • ExtendedWarranty Icon
    Extended Warranty5
  • Check Icon
    Redeem PC OptimumTM points instantly in-stores and in-app to pay down your balance9
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™ stations in Canada3
  • 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 benefits

  • McGlobalService Icon
    Mastercard Global ServiceTM4
  • PurchaseInsurance Icon
    Purchase Assurance5
  • ExtendedWarranty Icon
    Extended Warranty5
  • Check Icon
    Redeem PC OptimumTM points instantly in-stores and in-app to pay down your balance9

Additional benefits

  • purple concierge icon
    Concierge Services6
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™ stations in Canada3
  • 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 benefits

  • McGlobalService Icon
    Mastercard Global ServiceTM4
  • PurchaseInsurance Icon
    Purchase Assurance5
  • ExtendedWarranty Icon
    Extended Warranty5
  • Check Icon
    Redeem PC OptimumTM points instantly in-stores and in-app to pay down your balance9

But wait, there's more benefits

  • purple concierge icon
    Concierge Services6
  • Purple plane icon
    Travel Emergency Medical Insurance6
  • Car Rental Collision/Loss Damage Waiver Insurance6
  • id badge icon
    Identity Theft Assistance Service6
Apply now - get matched (opens in a new window)External link

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®

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 about our Payment Support Plan (opens in a new window)External link
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 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.
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