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

Minimum

$60,000/year minimum personal income

-OR-

$100,000/year min household income


-AND-


Subject to credit approval and other eligibility criteria

Minimum

$80,000/year minimum personal income

-OR-

$150,000/year minimum household income


-AND-


Subject to credit approval and other eligibility criteria

In our grocery stores1

(per $1)

10points

per $1

20points

per $1

30points

per $1

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

(per $1)

25points

per $1

35points

per $1

45points

per $1

Esso Mobil

(per litre)

Earn at least

30points

per litre

Earn at least

30points

per litre

Earn at least

30points

per litre

PC Travel

(per $1)

20points

per $1

20points

per $1

30points

per $1

Everywhere else

(per $1)

10points

per $1

10points

per $15

10points

per $1

Same rates for all cards

  • 20.97%

    Purchase interest rate (standard).

  • 22.97%

    Cash advance interest rate (standard). In Quebec, 21.97%.

  • 0.97%

    For 6 months on promotional balance transfers6 for new accounts.

  • 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 or through PC Express.

Earn PC Optimum points across many locations and redeem in our grocery and drugstores.

Find locations in your area
  • Loblaws
  • No Frills
  • Shoppers Drug Mart
  • 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.

A whole new way to think about money.

The PC Money Account works like a bank account you can use worldwide, even online. Get 10 PC Optimum points per dollar on all your purchases — and no monthly fee.

Open account