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President's Choice Financial World Mastercard

Apply nowExternal link

More bang for your no annual fee

The President’s Choice Financial® World Mastercard® is like magic. Simply pay with your PC Financial® World Mastercard everywhere you shop and watch your PC Optimum points add up to free groceries and more before your very eyes. All with no annual fee.

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.

Eligibility

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

In our grocery stores

20points

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
35points

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.


PC Travel
20points

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.

Requirements

A minimum annual personal income of $60,000 or household income of $100,000 is required for a new PC Financial® World Mastercard®.

Interest Rates

  • 20.97%

    Purchase interest rate (standard).

  • 22.97%

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

  • 0.97%

    Promotional balance transfers6 for 6 months.

  • 21 days

    Interest-free grace period on new purchases.

Additional Benefits

  • Concierge service

    24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more.

    Learn more

  • Mastercard Global ServiceTM

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

    Learn moreExternal link

  • Free Purchase Assurance

    In the event of theft, loss or damage in the first 90 days when you pay in full with your PC Financial World Mastercard credit card.

    Learn more

  • Free Extended Warranty

    Doubles the manufacturer's regular warranty for up to an additional year on items purchased with your PC Financial World Mastercard credit card.

    Learn more

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 them for up to $10 worth of free products and groceries at any participating storeExternal link or online at shoppersdrugmart.caExternal link, pharmaprix.caExternal link, JoeFresh.caExternal link and PC Express™ websites.

Product Details