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PC Financial®

Make your everyday spending more rewarding with a PC Financial® Credit Card.

Earn unlimited PC Optimum™ points for your everyday spending on essentials like groceries, fuel, beauty, and apparel.

Plus, enjoy up to 125,000 bonus points in limited time offers!

Need help finding a card?

Our credit cards offer tailored benefits and features to give you value for your everyday spending.

PCMC Vertical Trio

PC® Mastercard®

The no annual fee credit card that fast tracks your PC Optimum™ points earning on your grocery, beauty, and fuel spend.

Enjoy 20,000 bonus PC Optimum™ points** with a welcome offer. That's like $20.

Everyday spending

  • Loblaw Grocery Icon
    Up to 3% back in points4 at Loblaw® banner grocery stores1.
  • Gas Icon
    At least 3¢/litre in points at Esso™ and Mobil™ stations3 in Canada.
  • Beauty Icon
    Up to 4.5% back in points2 at Shoppers Drug Mart® stores.
  • Up to 3% back in points at Joe Fresh® stores4.
  • Points Icon
    1% back in points everywhere else4.

Eligibility requirements

PC® Silver Mastercard®

Subject to credit approval and other eligibility criteria.

PC® World Mastercard®

Personal income of $50,000/year minimum or household income of $80,000/year minimum before tax. Subject to credit approval and other eligibility criteria.

PC® World Elite Mastercard®

Personal income of $80,000/year minimum or household income of $150,000/year minimum before tax. Subject to credit approval and other eligibility criteria.

No annual fee

Apply Now (opens in a new window)External linkLearn more
PC Insiders

PC Insiders™ World Elite® Mastercard®

The PC Financial® credit card that earns you the most PC Optimum™ points ever, exclusive perks, and a FREE PC Express™ Pass***.

No annual fee for your first year!*

New & most rewarding

  • Loblaw Grocery Icon
    4% back in points5 at Loblaw® banner grocery stores1.
  • Gas Icon
    Up to 7¢ / litre in points9 at Esso™ and Mobil™ stations in Canada. Most value on gas spend with our cards.
  • Beauty Icon
    5% back in points2 at Shoppers Drug Mart® stores.
  • 4% back in points at Joe Fresh® stores5.
  • Points Icon
    1% back in points everywhere else4.
  • PcExressPass Icon
    Skip the lines, skip delivery fees
    FREE PC Express™ Pass with unlimited $0 grocery delivery and pickup (valued at $99.99 per year) on eligible orders of $30 or more***

Eligibility requirements

PC Insiders™ World Elite® Mastercard®

Personal income of $80,000/year minimum or household income of $150,000/year minimum before tax. Subject to credit approval and other eligibility criteria.

$120 annual fee†

Apply Now (opens in a new window)External linkLearn more

Interest rates9 for our cards.

Purchase interest rate

21.99% (Standard)7

Cash advance interest rate

22.97% (standard)
21.97% (Quebec)

Interest-free grace period on new purchases.

21 days

Learn more (opens in a new window)External link

Redeem your rewards at over 4,500 stores.

Get $10 for every 10,000 PC Optimum™ points and spend on the things you love11. It’s that simple!

  • Loblaws
  • No Frills
  • Shoppers Drug Mart
  • Real Canadian Superstore
  • Zehrs
  • Wholesale Club
  • Value-mart
  • Joe Fresh
  • Independent
  • Fortinos
  • The Mobile Shop
  • PC Express
Find locations in your area (opens in a new window)External linkRead more on points redemption (opens in a new window)External link

Frequently asked questions.

When can I expect to receive my new PC® Mastercard®?

After we get your application, it takes approximately 7-10 business days for you to receive your new card. With your card comes a Welcome Kit including your PC Mastercard and Cardholder Agreement, your Certificate of Insurance, and a Benefits Guide that lays out all the advantages that come with your new card as well as other useful information to help you get the most out of your new card.

How do I activate my PC® Mastercard®?

If you are activating a replacement card, see here.

To activate your new card, you'll need an online account at pcfinancial.ca. If you don't already have an account, create one here.

Before You Start

Make sure you have your new card handy as you'll need to confirm your card and account details to complete your activation.

If you're on a desktop

1. Click on 'Accounts & Cards'
2. Select the 'Cards' tab
3. Select the card you would like to activate
4. Click on 'Activate now' and answer the onscreen questions
5. Enter your activation code found on the sticker on your card
6. Done!

If you're on the mobile app

1. Click on the 'Cards' button at the bottom of the screen
2. Select 'Cards'
3. Select the card you would like to activate
4. Click on 'Activate now' and answer the onscreen questions
5. Enter your activation code found on the sticker on your card
6. Done!

Where can I use my PC® Mastercard®?

The PC Financial Mastercard is accepted at millions of member locations worldwide. Whether you're shopping, on vacation or dining at your favourite restaurant your card is there for you. It’s also accepted at over a million bank machines worldwide, along with banks, currency exchange locations, stores, restaurants among other places. You can use it anywhere the Cirrus®, or Maestro® logos, or the Mastercard® symbol are displayed.

See more FAQsView video tutorials

Loved and trusted by many.

3 Million

Customers

+$1 Billion

PC optimum™ points redeemed

4.7

App ratings

I love my pc financial credit card because it saves me money on needs so I can splurge on wants. I use it on absolutely every transaction to gain points. 😍

- Amanda

If you use the PC Mastercard (opens in a new window)External link for most purchases monthly and pay it off monthly, it does help financially! By the end of November, I saved up over $1000 in free groceries and used them during the month of December! It’s a win for us!

- Shannon

PC optimum card + PC Mastercard that’s what I use for literally everything ❤️ love how quickly points accumulate. Be it groceries, gas, or any personal expense, I would never go back to regular bank cards. PC is my best choice, 100% recommend to everyone.

- Divya

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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.