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.

No annual fee

Eligibility

Subject to credit approval and other eligibility criteria

Subject to credit approval and other eligibility criteria

Minimum criteria
$60,000
/ year Min personal income

-OR-

$100,000/ year Min household income

Subject to credit approval and other eligibility criteria

Minimum criteria
$80,000/ year Min personal income

-OR-

$150,000/ year Min household income

In our grocery stores1

(per $1)

10

points

per $1

20

points

per $1

30

points

per $1

  • Loblaws
  • No Frills
  • Value-mart
  • Zehrs
  • Real Canadian Superstore
  • Independent
  • Fortinos
  • Wholesale Club
Shoppers Drug Mart

(per $1)

25

points

per $1

35

points

per $1

45

points

per $1

Esso Mobil

(per litre)

Earn at least

30

points

per litre

Earn at least

30

points

per litre

Earn at least

30

points

per litre

PC Travel

(per $1)

20

points

per $1

20

points

per $1

30

points

per $1

Everywhere else

(per $1)

10

points

per $1

10

points

per $15

10

points

per $1

Same rates for all cards

  • 20.97%

    Purchase 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.

PC Optimum rewards calculator7,8,9

My total monthly purchases:

$0

That's worth:

$0

in PC Optimum points annually
(0 PC Optimum points)

  • Health

    i
    0
    0
    2000
  • Gas

    i
    0
    0
    2000
  • Travel

    i
    0
    0
    2000
  • Groceries

    i
    0
    0
    2000
  • Everywhere else

    i
    0
    0
    2000

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.

Earn PC Optimum points across many locations and redeem in our grocery and drug stores*.

More locations in your area
  • Loblaws
  • No Frills
  • Real Canadian Superstore
  • Zehrs
  • Wholesale Club
  • Value-mart
  • Independent
  • Fortinos
  • TMS logo
  • Esso Mobil
  • PC Travel Logo

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.

Apply in minutes

Apply now