There’s a no annual fee PC® Mastercard® for everyone
One application matches you with the best no annual fee card.
Eligibility
Subject to credit approval and other eligibility criteria.
Rewards to look forward to
1% back in points2 at our grocery stores3
At least 3¢ / litre back in points at Esso™ and Mobil™ stations4
2.5% back in points at Shoppers Drug Mart® and Pharmaprix®5
1% back in points at Joe Fresh®2
1% back in points on dining, transit and everywhere else2
Redeem PC Optimum™ points instantly in-stores and in-app to pay down your balance.
More rewards you’ll love
Purchase Assurance6
Extended Warranty6
Mastercard Global Service™7
What you need to know
Annual fee:
No annual fee
Additional cardholders:
Free
Purchase interest rate (Standard)1:
21.99%
Cash advance interest rate (Standard)1:
22.97%
21.97% (Quebec)
Eligibility
Minimum $50,000 (personal) or $80,000 (household) annual income required. Subject to credit approval and other eligibility criteria.
Rewards to look forward to
2% back in points2 at our grocery stores3
At least 3¢ / litre back in points at Esso™ and Mobil™ stations4
3.5% back in points at Shoppers Drug Mart® and Pharmaprix®5
2% back in points at Joe Fresh®2
1% back in points on dining, transit and everywhere else2
Redeem PC Optimum™ points instantly in-stores and in-app to pay down your balance.
More rewards you’ll love
- Purchase Assurance6
- Extended Warranty6
- Mastercard Global Service™7
But wait, there’s more benefits
Concierge Services8
What you need to know
Annual fee:
No annual fee
Additional cardholders:
Free
Purchase interest rate (Standard)1:
21.99%
Cash advance interest rate (Standard)1:
22.97%
21.97% (Quebec)
Eligibility
Minimum $80,000 (personal) or $150,000 (household) annual income required. Subject to credit approval and other eligibility criteria.
Rewards to look forward to
3% back in points2 at our grocery stores3
At least 3¢ / litre back in points at Esso™ and Mobil™ stations4
4.5% back in points at Shoppers Drug Mart® and Pharmaprix®5
3% back in points at Joe Fresh®2
1% back in points on dining, transit and everywhere else2
Redeem PC Optimum™ points instantly in-stores and in-app to pay down your balance.
More rewards you’ll love
- Purchase Assurance6
- Extended Warranty6
- Mastercard Global Service™7
But wait, there’s more
Travel Emergency Medical Insurance8
Car Rental Collision/Loss Damage Waiver Insurance8
Identity Theft Assistance Service8- Concierge Services8
What you need to know
Annual fee:
No annual fee
Additional cardholders:
Free
Purchase interest rate (Standard)1:
21.99%
Cash advance interest rate (Standard)1:
22.97%
21.97% (Quebec)
We give the people what they want
Join thousands of Canadians earning up to $1,100 in annual value**
That is like10 $450 in points earned on Grocery, $200 on Fuel, and $350 everywhere else (including Shoppers Drug Mart® stores). Plus, PC Express™ Pass subscription included (valued at $99 per year).9
Frequently asked questions
What are the differences between the three No Annual Fee PC® Mastercard® credit cards?
President's Choice Financial offers a range of no annual fee credit cards that offer value for everyday spending with no limits on points earning. Here's a quick look at each credit card:
PC® Mastercard®: The no annual fee card that rewards you 1% back in points when you shop2 and 2.5% back in points at Shoppers Drug Mart® stores5.
PC® World Mastercard®: Offers no annual fee, 3.5% back in points at Shoppers Drug Mart® stores5 and 2% back in points2 at participating grocery stores3.
PC® World Elite® Mastercard®: Offers no annual fee, 4.5% back in points at Shoppers Drug Mart® stores5 and 3% back in points2 at participating grocery stores3.
Plus, earn at least 3¢ / litre back in points on gas at Esso™ and Mobil™ stations in Canada4.
Note: Your application for a no annual fee PC® Mastercard® will be evaluated to determine the most suitable card for you.
What happens to my pre-existing PC Express™ Pass when I get approved for PC Insiders™ World Elite Mastercard®?
With a PC Insiders™ World Elite Mastercard®, you'll receive a complimentary PC Express™ Pass (valued at $99.99 per year). Any existing PC Express™ Pass associated with your PC™ id will be cancelled, and you’ll get a refund of the unused portion of your PC Express™ Pass subscription to your current card on file within a few business days.
You'll also receive an email when your complimentary PC Express™ Pass is activated, once you have linked your PC Optimum™ account.