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President's Choice Financial Mastercard

PC Financial Mastercard

No annual fee

The President’s Choice Financial® Mastercard® is your key to free. It’s easy, you’ll earn PC Optimum 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. All with no annual fee.

PC Financial Mastercard® product table

Eligibility

Subject to credit approval and other eligibility criteria

In our grocery stores

10points

per $1 1 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 $1 2 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.

PC Travel
20points

per $1 4 Additional information provided in legal stuff at the bottom of the page.

Everywhere else

10points

per $1 5 Additional information provided in legal stuff at the bottom of the page.

Interest Rates

  • 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.

Additional Benefits

  • Mastercard Global ServiceTM

    Replaces your card or offers a cash advance in case of emergency.

  • Authorized users

    Add up to four free additional cards on your account for family members, so you can earn points even faster.

Discover your earning potential.6,7,8Additional information provided in legal stuff at the bottom of the page.

Average monthly spending:

$2,100

PC Mastercard®

That's worth up to:

$371

in PC Optimum points during your first year depending on which card you are approved for.

Estimate based on PC Financial World Elite Mastercard® earning rates and assumed spending by category. Individual spending rates will vary.

  • Health

    0
    105
    2000
  • Gas

    0
    210
    2000
  • Groceries

    0
    315
    2000
  • Everywhere else

    0
    1470
    2000
  • Welcome bonus

    $50

Redemption made easy

As soon as you have 10,000 points you can redeem11 for up to $10 worth of free products and groceries at participating storesExternal link or online at shoppersdrugmart.caExternal link, pharmaprix.caExternal link, joefresh.comExternal link and pcexpress.caExternal link.

Product Details

  • PC Financial Mastercards

    Apply in minutes