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Fast forward to FREE with the PC® Mastercard®

The only no annual fee credit card that gets you up to 10% back in points in combination with the PC Optimum™ program** on everyday purchases, so you can redeem5 for the things you want.

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PC Mastercard
Limited time offer

Enjoy a welcome offer* of 100,000 PC Optimum™ points. That's like $100!

All you need to do is make your first purchase with your new no annual fee PC® Mastercard® at participating stores or at an Esso™ or Mobil™ station in Canada. It's that simple!

Hurry, offer ends May 16th, 2024.
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Become a PC Optimum™ points magnet.

  • Earn up to 30 pts per $14

    on every purchase you make at these Loblaw affiliated grocery stores1.

  • Earn at least 30 pts per litre

    when you fuel up at Esso™ and Mobil™ stations in Canada3.

  • Earn up to 45 pts per $1

    at Shoppers Drug Mart® and Pharmaprix® stores2.

  • Earn up to 30 pts per $1

    at Joe Fresh® stores4 and online.

  • Earn 10 pts per $1

    when you spend 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.

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    The only credit card that earns you up to 10% back in PC Optimum™ points†. Here’s one way to earn points in a year**:

    $40/month average spend on fuel at Esso™ or Mobil™ stations3.

    $150/month average spend at Shoppers Drug Mart® stores2.

    $200/month average spend at participating grocery stores1.

    $390/month average spend everywhere else4.

    For example, by stacking a total of $9,360 in purchases with offer events like 20x the points at Shoppers Drug Mart® stores, you could earn $980 back in points this year.

    **This example is being used for illustration purposes only and reflects earning rates with the PC® World Elite® Mastercard® in combination with the PC Optimum™ program. There are a variety of ways to earn 10% back in points based on spend; individual results will vary.

    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)

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    Make the most from your award-winning§ credit card

    PC MASTERCARD AWARD

    Get the most from your award-winning credit card§

    Enjoy these great features and benefits.

    Mastercard Global Service™

    Replaces your card or offers a cash advance5 in case of emergency.

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    Purchase Assurance

    Your eligible purchases are protected for 90 days in the event of loss, theft, or damage when you pay in full using your PC® Mastercard® credit card6.

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    Extended Warranty

    Receive double the period of repair services provided by the original manufacturer for up to one year for eligible items purchased using your PC® Mastercard® credit card6.

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    Want to earn even more points?

    Apply for the PC Insiders™ World Elite® Mastercard® to earn more PC Optimum™ points on everyday purchases9 and enjoy unlimited $0 online grocery delivery and pickup on eligible orders10.
    Apply Now (opens in a new window)External linkLearn more
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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.