PC Financial Credit Cards


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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  

 
 
$60,000/
year
Min personal income
-OR-
$100,000/
year
Min household income
 
$80,000/
year
Min personal income
-OR-
$150,000/
year
Min household income

In our stores

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

Earn at least:

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%

Promotional balance transfers6  for new accounts for 6 months

21 days

Interest-free grace period on new purchases

Apply in minutes.

Highest in Customer Satisfaction with Credit Card Companies

For J.D. Power 2018 award information, visit canada.jdpower.com/awards.

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 products and groceries at any participating stores or online at Beautyboutique.ca, JoeFresh.ca and PC Express websites.


 
 
,
 
 
 
 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.

View all fees and charges for this card
Review the complete cardholder agreement

All new PC Financial Mastercard® applications and card upgrades are subject to credit approval and minimum income requirements.

  • 1

    Our stores means affiliated Loblaw banner grocery stores and Shoppers Drug Mart / Pharmaprix. Visit pcoptimum.ca for details on participating stores where the PC Optimum program is offered.

  • 2

    All PC Optimum members earn 15 points per dollar at Shoppers Drug Mart and Pharmaprix. When you use your President’s Choice Financial Mastercard® you will earn additional points per dollar: 10 points per dollar for President’s Choice Financial Mastercard® cardholders; 20 points per dollar for President’s Choice Financial World Mastercard® cardholders; and 30 points per dollar for President’s Choice Financial World Elite Mastercard® cardholders.

  • 3

    Amount shown includes the points per litre available to all PC Optimum members, which may vary by province and location. Earn a total of at least 3 cents per purchased litre of gasoline or diesel fuel when you use your President’s Choice Financial Mastercard® at EssoTM and MobilTM stations in Canada. Cents per litre is payable in PC Optimum points. 3 cents per litre amounts to 30 PC Optimum points.

  • 4

    Get a bonus 10 PC Optimum points per dollar of your PC travel services purchase (taxes included) charged to your President's Choice Financial Mastercard or President's Choice Financial World Mastercard and 20 bonus PC Optimum points per dollar charged to your President's Choice Financial World Elite Mastercard, in addition to the regular 10 PC Optimum points per dollar earned for all purchases on these card. Bonus PC Optimum points will be shown as “PC Travel Bonus Rewards” on your PC Optimum points statement. Account must be in good standing. Offer subject to change. PC travel services are provided by 8742995 Canada Inc. doing business as Travel Nation Canada. President's Choice Bank and its related companies are not affiliated with Travel Nation Canada and are not responsible for delivery of the services or liable in connection therewith.

  • 5

    Earn a minimum of 10 PC Optimum points per dollar on all of your purchases charged to the credit card. Any bonus PC Optimum points offers available to all President’s Choice Financial Mastercard customers are calculated based on the regular earnings rate of 10 PC Optimum points per dollar spent. This offer may be terminated or changed at any time.

  • 6

    Balance Transfers for new accounts: You must apply by December 31, 2018 in order to be eligible for the current promotional balance transfer offer of a 0.97% interest rate for 6 months. Offer is available to eligible new customers only, within 90 days of your President's Choice Financial Mastercard account ("Account") approval. This offer may be changed, extended or cancelled without notice. Promotional interest rate is annual and applies, unless your Account is in default, only to the transferred amount for 6 months after the transaction date, after which the cash advance interest rate applicable to your Account applies to any remaining balance until the balance is paid in full, unless your Account is in default. Balance transfers are treated like cash advances and interest is charged from the date the transfer occurs, which may be up to 30 business days from your activation of the Account. Continue making your minimum payments on accounts from which you are transferring until the balance transfer amounts are credited to those accounts in order to avoid late charges and penalties. If the total amount to be transferred is more than your available credit limit, President's Choice Bank ("PC Bank") may send your creditors either full or partial payment up to the amount of your available credit limit. PC Bank reserves the right to limit the number and amount of balance transfers and to decline them for any reason. Balances from other President's Choice Financial accounts are not eligible to be transferred. Stop payments are not allowed. PC Optimum points are not earned on balance transfers unless otherwise specified. Please refer to your Cardholder Agreement and Card Carrier disclosures for further information.

  • 7

    Calculation Assumptions for PC Financial Mastercard

    • Grocery and drug store category purchases are calculated at an earnings rate of 10 PC Optimum points per $1 spent.
    • Gas category purchases are calculated at a rate of 10 PC Optimum points per $1 spent. Bonus PC Optimum points per litre of gas are calculated at an earnings rate of 30 points per purchased litre of gasoline at Esso™ and Mobil™ stations in Canada, which includes the points per litre available to all PC Optimum members, which may vary by province and location. You may be eligible to earn additional points depending on the card you hold, the location of the Esso™ and Mobil™ stations in Canada, and the type of fuel you purchase.
    • Travel category purchases are all made with PC™ travel services at pctravel.ca at an earnings rate of 20 PC Optimum points per $1 spent.
    • All other purchases "All other purchases" are calculated at an earnings rate of 10 PC Optimum points per $1 spent.

    10,000 PC Optimum points = $10 in free rewards.

    Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards) and in increments of 10,000 PC Optimumpoints thereafter, at participating stores. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.

    All results are shown for illustrative purposes only. Offer may be terminated or changed at any time.

  • 8

    Calculation Assumptions for PC Financial World Mastercard

    • Gas category purchases are calculated at a rate of 10 PC Optimum points per $1 spent. Bonus PC Optimum points per litre of gas are calculated at an earnings rate of 30 points per purchased litre of gasoline at Esso™ and Mobil™ stations in Canada, which includes the points per litre available to all PC Optimum members, which may vary by province and location. You may be eligible to earn additional points depending on the card you hold, the location of the Esso™ and Mobil™ stations in Canada, and the type of fuel you purchase.
    • Travel category purchases are all made with PC™ travel services at pctravel.ca at an earnings rate of 20 PC Optimum points per $1 spent.

    All other purchases "All other purchases" are calculated at an earnings rate of 10 PC Optimum points per $1 spent.

  • 9

    Calculation Assumptions for PC Financial World Elite Mastercard

    • Grocery category purchases are all made at participating grocery stores where President's Choice products are sold at an earnings rate of 30 PC Optimum points per $1 spent. Participating grocery stores means the following: Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi & cie, no frills, Provigo, Real Canadian Superstore, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs, and Dominion stores in Newfoundland and Labrador.
    • Drug store category purchases are all made at either Shoppers Drug Mart, Pharmaprix or participating grocery stores where President's Choice products are sold at an earnings rate of 30 PC Optimum points per $1 spent.
    • Gas category purchases are calculated at a rate of 10 PC Optimum points per $1 spent. Bonus PC Optimum points per litre of gas are calculated at an earnings rate of 30 points per purchased litre of gasoline at Esso™ and Mobil™ stations in Canada, which includes the points per litre available to all PC Optimum members, which may vary by province and location. You may be eligible to earn additional points depending on the card you hold, the location of the Esso™ and Mobil™ stations in Canada, and the type of fuel you purchase.
    • Travel category purchases are all made with PC™ travel services at pctravel.ca at an earnings rate of 30 PC Optimum points per $1 spent.
    • All other purchases "All other purchases" are calculated at an earnings rate of 10 PC Optimum points per $1 spent.

    10,000 PC Optimum points = $10 in free rewards.

    Minimum redemption is 10,000 PC Optimum (worth $10 in free rewards) and in increments of 10,000 PC Optimum points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.

    All results are shown for illustrative purposes only. Offer may be terminated or changed at any time.

  • 10

    All PC Optimum members earn 15 points per dollar at Shoppers Drug Mart and Pharmaprix. When you use your President’s Choice Financial Mastercard you will earn additional points per dollar: 10 points per dollar for President’s Choice Financial Mastercard cardholders; 20 points per dollar for President’s Choice Financial World Mastercard cardholders; and 30 points per dollar for President’s Choice Financial World Elite Mastercard cardholders.