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NO ANNUAL FEE

View All No Annual Fee Cards PC® Mastercard®PC® World Mastercard®PC® World Elite® Mastercard®

MOST VALUE

PC Insiders^TM World Elite® Mastercard®

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Earn 50,000 bonus PC Optimum™ Points

with the no annual fee PC® Mastercard®

PC MONEY ACCOUNT

PC Money^TM Account

Get $150 in PC Optimum^TM points offer when you open an account.

That’s like $150!

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PC Optimum^TM Program New! Pay with points

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Official Partner of Esso^TM and Mobil^TM

Earn up to 7¢/L* in points with the credit cards for gas

Fuel up at Esso™ and Mobil™ stations in Canada and earn up to 7¢ per litre back in PC Optimum™ points.

Apply now (opens in a new window)

PC Financial

The only credit cards that fast track your PC Optimum™ points

Earn accelerated points at over 2,500 Esso™ and Mobil™ stations, the most locations in Canada!

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Accessibility Social Responsibility (opens in a new window)PCOptimum.ca (opens in a new window)President’s Choice (opens in a new window)Esso™ 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.

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 50,000 bonus PC Optimum™ points¹ with a welcome offer. That's like $50.

Everyday spending

At least 3¢/litre in points* at Esso™ and Mobil™ stations in Canada.
Up to 3% back in points^§ at Loblaw® banner grocery stores^†.
Up to 4.5% back in points^‡ at Shoppers Drug Mart® stores.
Up to 3% back in points^§ at Joe Fresh® stores.
1% back in points^§ everywhere else.
Redeem PC Optimum^TM points instantly in-stores and in-app to pay down your balance.⁵

No annual fee

Apply now (opens in a new window)Learn 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™ Pass².

Enjoy no annual fee for your first year, plus $50 in a bonus welcome points offer!³

Most rewarding

Up to 7¢ / litre*** in points at Esso™ and Mobil™ stations in Canada. Most value on gas spend with our cards.
4% back in points¹⁰ at Loblaw® banner grocery stores^†.
5% back in points^‡ at Shoppers Drug Mart® stores.
4% back in points at Joe Fresh® stores¹⁰.
1% back in points^§ everywhere else.
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***

$120 annual fee⁴

Apply Now (opens in a new window)Learn more

Earn at least 1% back in points everywhere

Earn accelerated points at Esso™ stations, Mobil™ stations, and Loblaw banner stores, plus 1% back in points^§ on everything else—from dinners out to digital subscriptions and travel.

Accelerated points earning for more value

From gas at Esso™ and Mobil™ stations to groceries, beauty, and more — every swipe adds up to points. You can earn up to $1,100 in annual value by using your PC Insiders™ World Elite® Mastercard®.⁹

No catches and no limits

There is no cap on the amount of points you can earn, and your points never expire.

Redeem anytime, anywhere

Redeem your points anytime at over 4,500 locations across Canada or towards paying down your PC Financial® credit card balance.⁵

PC MASTERCARD AWARD

Awarded as the best points credit card for gas⁶

The PC Financial® no annual fee credit card was award by MoneySense as the best “points credit card for gas”.

Redemption Made Easy

Redeem your points your way! Redeem 10,000 points and enjoy $10 in value⁷ at 4,500+ stores, or $7 towards paying down your credit card balance⁵ or car wash rewards at Esso™ stations⁸.

Find locations in your area (opens in a new window)Read more on points redemption (opens in a new window)

Frequently asked questions.

How do I earn PC Optimum™ points at Esso™ stations with a PC® Mastercard®?

Simply use your PC® Mastercard® when you fuel up at any Esso™ or Mobil™ station in Canada. You’ll earn at least 3¢/litre** back in PC Optimum™ points with the PC® Mastercard®, or up to 7¢/litre*** back in points with the PC Insiders™ World Elite® Mastercard®.

How are the PC Optimum™ points calculated at the pump?

Points are awarded based on the price per litre, excluding taxes. For example, if you pump 40 litres using a PC Insiders™ World Elite® Mastercard®, you earn 2,000 points (40L x 50 points).

Can I still earn Esso Extra™ points or use my Esso™ app offers?

Yes! You can continue to use your Esso Extra™ card or Esso™ app offers alongside your PC® Mastercard® to stack your savings and rewards.

Where can I redeem my PC Optimum™ points?

You can redeem your points at participating locations including Loblaw banner stores (like Real Canadian Superstore®, Loblaws®, No Frills®), Shoppers Drug Mart® stores, and online at pcexpress.ca. Visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions.

Is there a fee to earn rewards at Esso™ and Mobil™ stations with these cards?

No. You’ll automatically earn fuel rewards when you use your card at Esso™ or Mobil™ stations.

What’s the difference between the PC® Mastercard® and the PC Insiders™ World Elite® Mastercard® when I make a purchase at an Esso™ or Mobil™ station?

The main difference is in the rewards and benefits. The PC Insiders™ World Elite® Mastercard® gives you up to 7¢/L*** back in points at Esso™ and MobilTM stations, while the no annual fee PC® Mastercard® gives you at least 3¢/L back** in points (PC® Mastercard®, PC® World Mastercard®, and PC® World Elite® Mastercard®).