More points.
No annual fee.
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.
An award-winning credit card.
President's Choice Financial was recognized as having the highest customer recommendation score among credit cards in Forrester's 2020 Canada CX Index™ Survey. The proprietary survey results‡ are based on consumers' opinions of their experiences with brands included in the survey. Want in? Apply for our PC Financial Mastercard, and start earning PC Optimum points on every purchase you make.
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)
10
per $1
20
per $1
30
per $1
(per $1)
25
per $1
35
per $1
45
per $1
(per litre)
Earn at least
30per litre
Earn at least
30per litre
Earn at least
30per litre
(per $1)
20
per $1
20
per $1
30
per $1
Everywhere else
(per $1)
10
per $1
10
per $15
10
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:
$0That's worth:
$0in PC Optimum points annually
(0 PC Optimum points)
Health
i02000
Gas
i02000
Travel
i02000
Groceries
i02000
Everywhere else
i02000
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
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.
Some food for thought.
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.