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.

Interest rates9 for our cards.

Basic rates may apply. See details below in Legal Details.

  • 21.99%

    Purchase interest rate (standard).

  • 22.97%

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

  • 21 days

    Interest-free grace period on new purchases.

Additional Benefits

Discover your earning potential.5

Estimated monthly spending:

PC Mastercard image

PC® Mastercard®

That's worth up to:


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

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

  • Health

  • Gas

  • Groceries

  • Everywhere else

  • Welcome bonus

    Up to $100 in points

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 stores (opens in a new window)External link or online at (opens in a new window)External link, or (opens in a new window)External link, (opens in a new window)External link and (opens in a new window)External link.

You can also redeem your points at Esso™ stations in Canada. Redeem 4,000 points to get 10 cents off per litre (up to 40 L) or redeem 10,000 points for any free car wash package.12

Product Details

  • PC Financial Mastercards

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