PC Financial Credit Cards


Get to free,
fast.

 

No annual fee President's Choice Financial® Mastercard®

The President’s Choice Financial® Mastercard® is the fastest way to earn PC Optimum points towards great rewards. It’s easy, you’ll earn points for every dollar you spend on your PC Financial ® Mastercard everywhere you shop. So the more you use the card the more points you’ll earn.

Compare our cards

No annual fee
 

Eligibility  

Subject to credit approval
Subject to credit approval

Minimum criteria
$60,000/
year
Min personal income
-OR-
$100,000/
year
Min household income
Subject to credit approval

Minimum criteria
$80,000/
year
Min personal income
-OR-
$150,000/
year
Min household income

In our stores

logo-no-frills
logo-loblaws
logo-rcss-unifer
logo-zehrs
logo-independent
logo-valu-mart
logo-fortinos
wholesale
logo-no-frills
logo-loblaws
logo-rcss-unifer
logo-zehrs
logo-independent
logo-valu-mart
logo-fortinos
wholesale
 
10 /$11
20 /$11
30 /$11
25 /$12
35 /$12
45 /$12

Earn at least: i

30 /1 litre3
30 /1 litre3
30 /1 litre3
20 /$14
20 /$14
30 /$14

Everywhere else

10 /$15
10 /$15
10 /$15

Upgrade Criteria

N/A
$15,000/
year
Min spend
 
$25,000/
year
Min spend
 

Same rates for all cards

Learn more

19.97%

Purchases interest rate (standard)

22.97%

Cash advance interest rate (standard)

0.97%

For 6 months on promotional balance transfers for new accounts6

21 days

Interest-free grace period on new purchases

Apply in minutes.

Value of free stuff awarded since 1998:

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That's TRILLIONS of points

Maximize your rewards

PC Optimum rewards calculator7,8,9

Use this calculator to discover how you can maximize your PC Optimum points with a President’s Choice Financial Mastercard.

  • 1.Select a card from the three options below.
  • 2.Adjust the sliders for each category to set your estimated monthly purchases or click the $0 icon to enter the amount(s) manually.
  • 3.View your purchase/rewards summary on the right-hand side.

My total monthly purchases:

That’s worth

in PC Optimum points annually

(100000 PC Points)

Redemption made easy

As soon as you have 10,000 points you can redeem for up to $10 worth of free rewards at participating stores or online at Beautyboutique.ca, JoeFresh.ca and when you order through the PC Express website.


 
 
,
 
 
 
 points $
 
 
Points do not expire!

Redeem for things you love at:

Rest easy knowing your information is secure

Fraud Detection

PC Financial uses best-in-class fraud detection tools right from the start of your application. We provide fraud monitoring to our customers on their transactions and have a dedicated team of fraud specialists to support our customers.

128-bit Data encryption

Encryption scrambles all information between your personal computer and the secured areas of our website and ensures one of the highest levels of security, privacy, and confidentiality.

Proactive monitoring

PC Financial also offers optional products that can help you proactively monitor, manage and protect your valuable credit and personal information.

Questions deserve answers. We’ve got them.

How do I upgrade to President's Choice Financial World or World Elite credit card?

If you currently have a PC Financial Mastercard and would like to see if you are eligible for an upgrade please call 1 844 307 5530.

Some food for thought

Apply in minutes.