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
Cards | |||
|---|---|---|---|
Fee | No annual fee | ||
Eligibility | Subject to credit approval | $60,000/year minimum | $80,000/year minimum |
In our grocery stores | 10  per $11 Additional information provided in legal stuff at the bottom of the page. | 20 per $11 Additional information provided in legal stuff at the bottom of the page. | 30 per $11 Additional information provided in legal stuff at the bottom of the page. |
Stores | |||
 | 25 per $12 Additional information provided in legal stuff at the bottom of the page. | 35 per $12 Additional information provided in legal stuff at the bottom of the page. | 45 per $12 Additional information provided in legal stuff at the bottom of the page. |
 | Earn at least per litre3 Additional information provided in legal stuff at the bottom of the page. | Earn at least per litre3 Additional information provided in legal stuff at the bottom of the page. | Earn at least per litre3 Additional information provided in legal stuff at the bottom of the page. |
 | 20 per $14 Additional information provided in legal stuff at the bottom of the page. | 20 per $14 Additional information provided in legal stuff at the bottom of the page. | 30 per $14 Additional information provided in legal stuff at the bottom of the page. |
Everywhere else | 10 per $15 Additional information provided in legal stuff at the bottom of the page. | 10 per $15 Additional information provided in legal stuff at the bottom of the page. | 10 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:
$0That's worth:
$0in PC Optimum points annually
(0 PC Optimum points)
Health
Gas
Travel
Groceries
Everywhere else
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 stores or online at shoppersdrugmart.ca, pharmaprix.ca, JoeFresh.ca and pcexpress.ca.
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 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.
- Open account
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.
