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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.

Compare our cards

PC Financial Mastercard® comparison chart

Cards

Fee

No annual fee

Eligibility

Subject to credit approval
and other eligibility criteria

$60,000/year minimum
personal income
‑OR‑
$100,000/year minimum household income
‑AND‑
Subject to credit approval and other eligibility criteria

$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 stores

10points

per $11 Additional information provided in legal stuff at the bottom of the page.

20points

per $11 Additional information provided in legal stuff at the bottom of the page.

30points

per $11 Additional information provided in legal stuff at the bottom of the page.

Stores

  • Loblaws
  • No Frills
  • Value-mart
  • Zehrs
  • Real Canadian Superstore
  • Independent
  • Fortinos
  • Wholesale Club
Shoppers Drug Mart
25points

per $12 Additional information provided in legal stuff at the bottom of the page.

35points

per $12 Additional information provided in legal stuff at the bottom of the page.

45points

per $12 Additional information provided in legal stuff at the bottom of the page.

Esso Mobil

Earn at least

30points

per litre3 Additional information provided in legal stuff at the bottom of the page.

Earn at least

30points

per litre3 Additional information provided in legal stuff at the bottom of the page.

Earn at least

30points

per litre3 Additional information provided in legal stuff at the bottom of the page.

PC Travel
20points

per $14 Additional information provided in legal stuff at the bottom of the page.

20points

per $14 Additional information provided in legal stuff at the bottom of the page.

30points

per $14 Additional information provided in legal stuff at the bottom of the page.

Everywhere else

10points

per $15 Additional information provided in legal stuff at the bottom of the page.

10points

per $15 Additional information provided in legal stuff at the bottom of the page.

10points

per $15 Additional information provided in legal stuff at the bottom of the page.

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 Additional information provided in legal stuff at the bottom of the page. for new accounts.

  • 21 days

    Interest-free grace period on new purchases.

PC Optimum rewards calculator7,8,9 Additional information provided in legal stuff at the bottom of the page.

My total monthly purchases:

$0

That's worth:

$0

in PC Optimum points annually
(0 PC Optimum points)

  • Health

    0
    0
    2000
  • Gas

    0
    0
    2000
  • Travel

    0
    0
    2000
  • Groceries

    0
    0
    2000
  • Everywhere else

    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 participating storesExternal link or online at shoppersdrugmart.caExternal link, pharmaprix.caExternal link, JoeFresh.caExternal link and pcexpress.caExternal link.

Earn PC Optimum points across many locations and redeem in our grocery and drug stores*Additional information provided in legal stuff at the bottom of the page..

Find locations in your areaExternal link
  • Loblaws
  • No Frills
  • Shoppers Drug Mart
  • Real Canadian Superstore
  • Zehrs
  • Wholesale Club
  • Value-mart
  • Independent
  • Fortinos
  • The Mobile Shop
  • PC Travel

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.

    Open accountExternal link