About the PC Financial Mastercard Application

The President's Choice Financial® Mastercard® is the fastest way to earn PC Optimum points. It’s simple, the more you use it, the more points you’ll earn. Every 10,000 PC Optimum points is like $10 worth of free stuff at almost 2,500 participating stores, including stores like Loblaws, Real Canadian Superstore, No Frills, Joe Fresh and Shoppers Drug Mart. Visit our store locator to see all participating locations in your area. All with no annual fee!

With your card comes a Welcome Kit including your PC Financial Mastercard and Cardholder Agreement, your Certificate of Insurance, and a Benefits Guide that lays out all the advantages that come with your new card as well as other useful information to help you get the most out of your new card.
  1. Apply online now
  2. In person at participating locations with a President’s Choice Financial pavilion or in-store representative
After we get your application, it takes approximately 5-7 business days for you to receive your new card. With your card comes a Welcome Kit including your PC Mastercard and Cardholder Agreement, your Certificate of Insurance, and a Benefits Guide that lays out all the advantages that come with your new card as well as other useful information to help you get the most out of your new card.
If you’re interested in Account Balance Protection insurance, you sign up for it when you apply for your card, either in our online application or in person. Or call us anytime at 1 866 246 PCMC (7262).

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About your PC Financial Mastercard

  • No annual fee
  • 10 PC Optimum points for every $1 spent on the card
  • 20 PC Optimum points for every $1 spent at pctravel.ca
  • Earn at least 3 cents per litre in PC Optimum points
  • 25 PC Optimum points for every $1 spent on eligible purchases at Shoppers Drug Mart (includes the 15 points per dollar earned by all PC Optimum members)
  • $60,000 Individual or $100,000 Household Income Requirement
  • No annual fee
  • 20 PC Optimum points for every $1 spent with the card at participating stores where the PC Optimum program is offered
  • Earn at least 3 cents per litre in PC Optimum points 
  • 20 PC Optimum points for every $1 spent at pctravel.ca 
  • 35 PC Optimum points for every $1 spent on eligible purchases at Shoppers Drug Mart (includes the 15 points per dollar earned by all PC Optimum members) 
  • 10 PC Optimum points for every $1 spent everywhere else 
  • 24/7 Concierge Service
  • $80,000 Individual or $150,000 Household Income Requirement
  • Premium credit card with no annual fee
  • 30 PC Optimum points for every $1 spent with the card at participating stores where the PC Optimum program is offered
  • 45 PC Optimum points for every $1 spent on eligible purchases at Shoppers Drug Mart (includes the 15 points per dollar earned by all PC Optimum members)
  • 30 PC Optimum points for every $1 spent at pctravel.ca
  • Earn at least 3 cents per litre in PC Optimum points
  • 10 PC Optimum points for every $1 spent everywhere else
  • 24/7 Concierge Service
  • Car Rental Collision/Loss Damage Waiver Insurance
  • Travel Emergency Medical Insurance
  • Identity Theft Assistant Service
President’s Choice Financial Mastercard President’s Choice Financial World Mastercard President’s Choice Financial World Elite Mastercard
Mastercard Global Service™
Replaces your card or offers a cash advance in case of emergency
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Free Purchase Assurance
In the event of theft, loss or damage in the first 90 days5 when you pay in full with your PC Financial Mastercard credit card.
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Free Extended Warranty
Doubles the manufacturer's regular warranty for up to an additional year5 on items purchased with your PC Financial Mastercard credit card.
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Authorized users
Add up to four free additional cards on your account for family members, so you can earn points even faster.
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Mastercard Global Service™
Replaces your card or offers a cash advance in case of emergency
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Free Purchase Assurance 
In the event of theft, loss or damage in the first 90 days6 when you pay in full with your PC Financial Mastercard credit card.
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Free Extended Warranty that doubles the manufacturer's regular warranty for up to an additional year6 on items purchased with your PC Financial Mastercard credit card.
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Concierge Service
24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more5
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Travel Emergency Medical Insurance 
For trips up to 10 days from date of departure, for those under age 65.
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Car Rental Collision/Loss Damage Waiver Insurance 
Collision damage and theft protection for your car rental needs. 
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Identity Theft Assistant Service 
To help you avoid identity theft or restore your identity.
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Concierge Service
24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more5
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  • $60,000 Individual or $100,000 household income requirement
  • Subject to credit approval
  • $80,000 individual or $150,000 household income requirement
  • Subject to credit approval

This insurance can cover* your minimum payments on your President’s Choice Financial Mastercard in case the unexpected happens to you or your spouse, so you have one less thing to worry about.

  • Covers 5% of your balance on the date of loss (more than the required minimum monthly payment) for up to 20 consecutive months in the event that you or your spouse becomes disabled or suffers involuntary job loss* up to age 65
  • In case of the death, accidental dismemberment or diagnosis of a critical illness (cancer, heart attack, or stroke)* of you or your spouse prior to age 75, pays off the full balance owing on the date of loss or date of diagnosis for critical illness, up to $15,000
  • Covers one monthly payment of 5% of your balance as of the first day of hospitalization (to a maximum of $500) if you or your spouse are hospitalized* for more than 2 consecutive days prior to age 75
  • Your premium appears on your statement
  • If your current month’s statement balance is zero, so is your premium
  • Try it risk free for 30 days – you can cancel anytime, and if you cancel within the first 30 days of your coverage becoming effective we’ll refund any premiums collected
  • Only $1.19 (plus applicable taxes) per $100 of your current month’s statement balance

Important information about Account Balance Protection – Spousal, including limitations and exclusions

Call 1-866-246-7262 today to speak to a representative and add ABP Spousal to your account

*Certain limitations and exclusions apply. Complete details, including the definition of covered conditions, are set out in the Certificate of Insurance that will be sent to you when you enroll.

This optional insurance plan covers you in three different ways:

  1. If you were to become disabled or lose your job involuntarily before age 65 while enrolled in the plan, it pays 3% of your President’s Choice Financial Mastercard balance at the date of disability or job loss each month for up to 2 years starting after 30 days of disability or unemployment.
  2. If you were to be hospitalized for more than 7 consecutive days before age 70 while enrolled, it would make a one-time payment of 3% of the outstanding balance of your President’s Choice Financial Mastercard as of the date of hospitalization, up to $500.
  3. It would pay up to $15,000 to cover the outstanding balance on your President’s Choice Financial Mastercard as of the date of death or injury in the event of your loss of life or accidental dismemberment. This death and dismemberment benefit covers you and any authorized user who is your spouse.
  • Try it risk free for 30 days - you can cancel anytime, and if you cancel within the first 30 days of your coverage becoming effective we'll refund any premiums charged
  • Only 99¢ (plus applicable taxes) per $100 of your current month's statement ending balance

Important information about Account Balance Protection - Standard, including limitations

Sign in and add to account

This insurance can cover your minimum payments on your President's Choice Financial Mastercard account and help protect your credit rating in case of involuntary job loss.
  • Covers your minimum monthly payments for up to 20 consecutive months in case of involuntary unemployment
  • I f your current month's statement balance is zero, so is your premium
  • Your premium appears on your statement
  • Try it risk free for 30 days - you can cancel anytime, and if you cancel within the first 30 days of your coverage becoming effective we'll refund any premiums charged
  • Only 79¢ (plus applicable taxes) per $100 of your current month's statement ending balance
Important information about Account Balance Protection- Involuntary Job Loss, including limitations and exclusions

Additional Account Balance Protection Insurance plan options may be available. For complete information regarding Account Balance Protection options please call 1-866-246-7262 to speak with a representative.
The PC Financial Mastercard is accepted at millions of member locations worldwide. Whether you're shopping, on vacation or dining at your favourite restaurant your card is there for you. It’s also accepted at over a million bank machines worldwide, along with banks, currency exchange locations, stores, restaurants among other places. You can use it anywhere the Cirrus®, or Maestro® logos, or the Mastercard® symbol are displayed.
You can add up to four additional cardholders to your PC Financial Mastercard account. There’s no charge for these additional cardholders and they will all be considered authorized users.

As the primary cardholder, you will remain 100% responsible for all transactions made by all authorized users on your PC Financial Mastercard account, including any amounts incurred through the use of any additional cards issued on the account.

You are responsible to ensure your authorized users understand the cardholder agreement and the Loblaw Companies Limited Privacy Policy and how these documents apply to them, and that they use the card in accordance with the terms of the cardholder agreement.

We may give the authorized user certain information about the account, like the credit limit or information about a transaction. Additionally, any authorized users on your account may be able to view, obtain or be provided with information about your account, including transactions, balances, available credit, account status and payment details. Authorized users will be able to view monthly electronic statements and all of the transactions made by any cardholder on your account on an ongoing basis. You cannot limit, restrict or reduce the access or authority available to an Authorized User. Any Authorized User has the same degree of access to the Account as listed in this section, and each Authorized User will be able to access the activity of each Authorized User on the Account.

An Authorized User is able to access the full available credit limit of the credit card account and is able to charge purchases / cash advances to the credit card account. 

The credit limit of the account is shared amongst the primary cardholder and authorized users, no separate credit limit will be given to authorized users. 

You can add an authorized user to your account online.
Most importantly, contact us right away at 1 866 246 PCMC (7262). Try to have your credit card number handy so we can cancel the lost/stolen account immediately.

Within Canada and the U.S. Call toll-free 1 866 246 PCMC (7262)

Outside Canada or the U.S. call collect 647 426 1343 

Your lost or stolen PC Financial Mastercard will be cancelled immediately and a new one will be on its way – wherever you are – often within 2 business days. If necessary, you can get an emergency cash advance while your replacement card is on its way (provided you have the available credit).
Absolutely. Many countries have already successfully adopted chip technology, and Canadian chip cards will be fully compatible with these systems. In countries that have yet to switch to chip technology, you’ll be able to use your card by swiping your magnetic stripe and providing your signature.

Easy. 

  • You can do it online. Simply, sign into your online account and update your Personal Identification Number (PIN) from within the Card Management section found in the top navigation. 
  • You can contact Customer Service by calling the telephone number located on the back of your card.  

Make sure when you’re changing your PIN that you don’t use any obvious numbers, your birth date, or part of your phone number. Also, don't share your PIN to anyone.

Your Personal Identification Number (PIN) is incredibly important. . You should memorize it and never disclose it to anyone. Your PIN should be easy for you to remember, but not easily guessed by others.

  • Don't write your PIN down or store it electronically
  • Never give your PIN to anyone including over the phone, online or by email
  • Protect your PIN. Use your hand and/or body to shield your PIN when you enter it
Mastercard® SecureCodeTM adds an extra layer of protection by helping to confirm your identity through security questions, during select online transactions. Mastercard® SecureCodeTM lets you enjoy extra security and peace of mind when shopping online at participating merchants.
When you make an online purchase at a participating merchant, a box may automatically pop-up asking security questions. When you correctly answer the security questions, PC Financial Mastercard confirms that you are the authorized cardholder and permits your purchase to continue.
If you currently have a PC Financial Mastercard and would like to see if you are eligible for an upgrade please call 1 844 307 5530.
  • Purchases rate in effect when your account is approved: 19.97%
  • Cash Advance rate in effect when your account is approved: 22.97%.
  • Promotional balance transfers: 0.97% for 6 months for balance transfers¹ made within 90 days of account approval.

We may, with prior notice, increase your Purchases and Cash Advances rate to the Performance rate of 25.95% for Purchases and 27.95% for Cash Advances following a review of:

  • Your account use (including whether you exceeded your credit limit or had any dishonoured payment transactions), or
  • Your credit bureau reports and credit history.

Your interest rates will increase to the Default rate of 25.97% for Purchases and 27.97% for Cash Advances if you:

  • Do not make the minimum payment by the due date for two consecutive months, or
  • Are not in full compliance with the terms of your cardholder agreement.

A minimum of 21 days for new Purchases (meaning purchases which have not appeared on any previous statement) if you pay your entire current statement balance in full by the applicable due date, otherwise interest is charged from the transaction date.

The interest-free grace period does not apply to Cash Advances (which include balance transfers and convenience cheques), and interest is charged from the transaction date.
  • Cash Advance at a bank machine or teller in Canada: $3.50
  • Cash advance outside Canada: $5
  • Overlimit charge if over the credit limit on statement date: $29
  • Cash equivalent transaction (such as for a wire transfer or money order): 1% (minimum $5, maximum $10)
  • Dishonoured payment or convenience cheque: $42
  • Copy of a sales draft or previous account statement: $10
  • Credit balance refund made by cheque: $20
  • Balance Transfer: 1% of the transferred amount will be charged for balance transfers requested 6 months or more after account approval.
  • Inactive account: if on your statement date there is a credit balance on your account and there has been no activity on your account (meaning no debits, credits, interest or fees) for the preceding 12 consecutive months, your account is subject to a fee equal to the lesser of $10 or the credit balance amount.
Yes, new customers get a rate of 0.97% for 6 months on balances transferred from other higher-interest credit cards.

Apply by December 31, 2018 to take advantage of this offer.

See balance transfer details
Contact us immediately at 1 866 246 PCMC (7262). Try to have your credit card number handy so we can cancel the lost/stolen account immediately.

Within Canada and the U.S. Call toll-free 1 866 246 PCMC (7262)
Outside Canada or the U.S. call collect 647 426 1343

Your lost or stolen PC Financial Mastercard will be cancelled immediately and a new one will be on its way – wherever you are – often within 2 business days. If necessary, you can get an emergency cash advance while your replacement card is on its way (provided you have the available credit).
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FAQs about your account

When you correctly answer the security questions during an online purchase at a participating merchant, PC Financial Mastercard confirms that you are the authorized cardholder and permits your purchase to continue. If the security questions are answered incorrectly, the purchase will not go through. So even if someone knew your card number, they would not be able to use your account at that merchant.
Aside from the added protection that Mastercard® SecureCodeTM provides, the only impact to your purchase will be that you may need to answer the security questions when the request box pops up, and then wait a few seconds while PC Financial Mastercard confirms your identity.
If you cannot answer them, or answer them incorrectly, you will not be able to proceed with the transaction. You will need to contact PC Financial Mastercard at 1-866-246-7262 to further assist you with the information needed to make the online transaction.
This pop up box may appear when you are shopping online at participating Mastercard® SecureCodeTM merchants. Once you have answered the security questions and we have confirmed your identity, you will be able to continue with your purchase.
If you are not able to confirm your identity through the security questions, you will not be able to proceed with your purchase. You will need to contact PC Financial Mastercard at 1-866-246-7262 to further assist you with the information needed to make the online transaction.
Yes. That's one of the benefits of Mastercard® SecureCodeTM. You can make purchases using any computer because there is no special software to install.
No, Mastercard® SecureCodeTM service is free.
Mastercard® SecureCodeTM functions best with Microsoft Internet Explorer version 8.0 or above, Chrome 42 or above and Firefox 37 or above. If you have a different browser and need assistance, please contact President's Choice Financial® Mastercard® at 1-866-246-7262.
If there’s a balance on your account, you’ll receive account statements monthly either online electronically or by postal mail, depending on your account preferences. You need to pay at least the minimum payment due by the payment due date shown on your account statement. Payments must be made in Canadian currency.

If you fail to pay at least the minimum payment due by the payment due date for two consecutive billing periods, the default interest rate will be applied to your account balance. Please see the "good standing" section in your cardholder agreement for more information.

There are three ways to pay your PC Financial Mastercard:

  1. Online, telephone, bank machine: Electronic payments are your quickest and most convenient option. Online, telephone and bank machine payments at most major financial institutions are credited the same day provided you make your payment by 5pm CST (Central Time) on a banking day. These payments are reflected on your online summary 2-3 days afterwards. 
  2. Mail in: Address your envelope, to: PC Financial Mastercard, P.O. Box 4405, STN A, Toronto, ON M5W 5Y6. Be sure to include the top portion of your statement along with your cheque or money order payable to "PC Financial Mastercard". It can take 7 to 10 business days for PC Financial Mastercard to receive payments through Canada Post. Payments are posted to your account the day PC Financial Mastercard receives the payment, so make sure you've allowed enough time for your payment to arrive. 
  3. In-branch: If you bank at one of the following institutions, you can make payments at your local branch (or bank machine, if applicable). Cardholders may pay in-branch, over the counter, at the following financial institutions; however, these financial institutions may charge a fee for the service. The service provided is at the discretion of the financial institution and may take up to 10 business days to reach PC Financial Mastercard. Payments are posted to the cardholder's account the day PC Financial Mastercard receives notice of the payment. 
  • ATB Financial
  • Bank of Montreal1
  • Canadian Imperial Bank of Commerce1
  • Desjardins
  • HSBC
  • Laurentian Bank1
  • National Bank1
  • RBC Financial Group
  • Scotiabank
  • TD Canada Trust
  • Most credit unions

1Even if you're not a customer of this Mastercard issuing institution, you can still make in-branch payments.

Yes. You can set up automatic bill payments from your PC Financial Mastercard so you'll never be late paying a bill. Plus, you'll earn PC Optimum points – to make your bill paying a lot more rewarding.

To set up payments for utilities, telephone, cable TV, internet, health clubs, insurance, and more simply contact the companies issuing your bills to arrange it.

If your card number or expiry date changes, be sure to contact all companies that you've set up automatic bill payments with to update your billing information.
Any past due amounts, plus: your statement balance if $10 or less, or the greater of
(a) $10
(b) 2.2% of your total statement balance, or 
(c) The interest charges and fees billed on the current statement plus $1.
When a transaction in a foreign currency is posted to your Account, you will be charged a Foreign Currency Conversion Markup which is a percentage of the amount of the transaction that is charged for purchases and cash advances and deducted from refunds and credits. The Foreign Currency Conversion Markup percentage is disclosed in your Disclosure Summary. The Mastercard exchange rate and Foreign Currency Conversion Markup percentage are incorporated into the conversion rate and the Canadian dollar transaction amount shown on your statement.
PC Bank is committed to resolving customer complaints fairly and in a timely manner. We value customer feedback and encourage you to contact us with your complaints to give us an opportunity to resolve your concerns. Please follow these steps if you have a complaint.

Step One: 
Please contact our call centre at 1 866-246-PCMC (7262) and one of our Customer Service Representatives will assist you with your concerns.

Step Two: 
If your concern is not resolved to your satisfaction, then you may escalate to President's Choice Bank Executive Customer Care. There are two methods which may be used to contact Executive Customer Care:
Phone: 1 866 822 8775
Email:  customercare@pcbank.ca

Step Three: 
If you feel that President's Choice Bank Executive Customer Care has not addressed your concern to your satisfaction, you may then contact the President's Choice Bank Ombudsman directly by email at ombudsman@pcbank.ca, or by mail at President's Choice Bank Ombudsman, 25 York Street, P.O. Box 201, 7th floor, Toronto, ON, M5J 2V5.
Please note that the Ombudsman will only be able to accept your request for an independent review if you have completed steps 1 and 2 and your case has already been addressed by President's Choice Bank Executive Customer Care and you are not satisfied with the outcome. Otherwise, your case will be referred back to President's Choice Bank Executive Customer Care for appropriate review prior to the Ombudsman's involvement.

If you cannot accept the decision of the President's Choice Bank Ombudsman, you can contact the Ombudsman for Banking Services and Investments (OBSI), who is independent from President's Choice Bank and whose purpose is to review your complaint. You can contact OBSI by phone at 1 888 451 4519, by fax at 1 888 422 2865, by email at ombudsman@obsi.ca, or by mail at Ombudsman for Banking Services and Investments, 401 Bay Street, Suite 1505, P.O. Box 5, Toronto, ON  M5H 2Y4 or visit OBSI's website at: www.obsi.ca.

The Financial Consumer Agency of Canada (FCAC) supervises federally regulated financial institutions, such as President's Choice Bank. If you have a complaint regarding a potential violation of federal consumer protection laws, you can contact the FCAC in writing at: Financial Consumer Agency of Canada, 427, Laurier Avenue West, 6th Floor, Ottawa ON K1R 1B9 or through the website at www.fcac-acfc.gc.ca. The FCAC will determine whether the financial institution is in compliance. It will not, however, resolve individual consumer complaints.

PC Bank's Annual Ombudsman's report can be found here.
We’ve made some cool updates to the secure website and added much more self-serve features to manage your account.  

Follow the prompts to get access to your account: 
Click here to get started.
Step 1: Enter your existing username and password

Step 2: You will be asked a few personal verification questions to ensure it is you and that we set up your online account correctly 

Step 3: Confirm your username

Step 4: Set your new password 

Step 5: accept the updated terms and conditions of using the site 

Step 6: Set up your 2 step verification channel
What is this? See What is 2 step verification

Step 7: You’re in! 
Click here to begin enrollment and follow the "Sign up now" link.

Step 1: You will be asked to answer a few personal questions to verify your account. 

Step 2: Set a Username 

Step 3: Set a Password. Please see password requirements 

Step 4: Accept terms and conditions

Step 5: Set up your 2 step channel and send code. You will need this code to complete your online account enrollment.
What is this? See What is 2 step verification FAQ

Step 6: Input the verification code you received to your channel of choice. 

If you did not receive your 2 Step code, click the link below the code entry boxes to resend a new code. 

Still having trouble? Call us: 1-866-246-PCMC (7262). One of our agents will be able to assist you.
Simple. By creating a PC Financial online account you’ll have easy access to all your account details, services, and support. Click here to get started.
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FAQs about your online account

It’s simple. Simply sign up for an online account and you’ll have easy access to all your account information, services and support.
  • Personalized dashboard with easy access to your account balance, available credit, payment due date and more
  • Ability to search, sort and filter your transactions and view spending trends
  • Access to your electronic statements
  • Add an Authorized User to your account
  • Update your PIN
  • Online customer service and support 
  • And so much more…

Take a tour.

Two step verification is how PC Financial offers an extra layer of protection to ensure that you and only you have access to your account. You will be required to set up your 2 step verification when you enroll for a PC Financial online account. A code will replace personal verification questions and be sent to you by email, text or voice.
Yes, you can request a new set of 10 convenience cheques anytime. Simply sign in to your PC Financial online account and request a set of convenience cheques under Settings, Convenience Cheques, and you’ll receive your cheques in 7-10 business days. Click here to get started.
Yes, you can request a credit limit increase or decrease at any time by signing into your PC Financial online account and submitting a request under Settings, Credit Limit. Click here to get started.
You can request a replacement card by singing into your PC Financial online account and select Replace Card under Settings. Your new card will arrive in up to 10 business days. Please note, when ordering a new card we will immediately lock your old card. Click here to get started.
Yes, you can lock your account if you want to temporarily disable it without replacing it. Simply sign in to your online PC Financial account and select Lock Card under Settings. Click here to get started.
Simply sign into your PC Financial online account and under Settings select the Edit button next to Nickname. Click here to get started.
Sometimes you want to be in the loop, so we offer a number of notification options to do just that. Click here to get started.
We offer a number of notification options to help manage your account, from purchase notices you set, to monthly payment due notices. Notifications can be sent by email or text.  You are in control and can change your settings at any time. Take a look and get started here.
Your authorized user can enroll for their own online account and has view rights to certain information your account, including transactions, balances, available credit, account status, and payment details. Authorized users may view monthly electronic statements and all of the transactions made by any cardholder on your account on an ongoing basis. Authorized users are not permitted to make changes to the account, only the Primary cardholder has those rights

The authorized user can manage their profile online and subscribe to alerts.
You can add nicknames to each of your authorized user cards to help keep better track of the spending on your account.  To add nicknames to your authorized user cards, go to Card Settings and on the left where you see the list of cards on the account, click to edit. Choose a nickname for that card and save. You will see that your new nickname will display next to all activity for that respective card.  

Note: If your authorized user also has an online account, they will not see the name you have given their card.
We will address your request within 48 hours. You will see a notification in the message center that either your request has been fully processed, there’s an update to request status, or a message from one of our service representatives about your request needing more information or confirming the request details. 

View your message centre.
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FAQs about your statement

Enrolling in electronic statements is easy! Simply sign into your PC Financial online account and click View Your Statements on the Dashboard screen.

This number represents the points you’ve earned with your PC Financial Mastercard during the given statement period. It doesn’t include any additional points you’ve earned through the PC Optimum program such as personalized offers.
We’ve grouped all transactions (with the exception of payment activities, which are listed separately), minus any returns, and calculated subtotals for each cardholder on your account. Now you can see exactly who spent what. These subtotals include any transactions made with a PayPass sticker or mobile wallet account that may be tied to your card. Payments are shown in a separate section of the statement.
As a PC Financial Mastercard credit card customer, you may be able to use your card to take out a cash advance at bank machines that accept Mastercard, write convenience cheques, or complete a money transfer. The cash limit refers to the maximum that you’re able to withdraw for these purposes. The cash available refers to the cash limit, minus any cash you’ve already used.
The credit limit is the maximum amount that can be charged to your account for purchases and cash transactions combined. The cash limit is the portion of your credit limit that you can specifically use for “cash” transactions (I.e. cash advance, convenience cheque or transfers). Your total credit limit includes your cash limit.
If there’s a balance on your account, you’ll receive a statement each month either by mail or electronically depending on your account preferences. Simply opt in for electronic statements here.
Yes, your electronic statements will contain the same information as your printed statement. The advantage of electronic statements is that you’ll get them more quickly than by postal mail and have access to 24 months worth of statement online. Sign up for electronic statements today.
If there is a transaction on your monthly statement that you don't recognize or want to dispute, simply sign in to your account online and make an online disputed transaction request. You can also call 1 866 246 PCMC (7262) within 30 days of the statement date and we’ll investigate on your behalf. If you suspect that your PC Mastercard is being used without your knowledge or consent, please call 1 866 246 PCMC (7262) immediately and one of our customer service representatives will assist you.

There are two simple steps you’ll need to take to resolve a questionable transaction on your account. 

Step One - Attempt to resolve the disputed transaction with the merchant. Often the most efficient route to getting these charges off of your credit card statement is to work with the merchant. This may help you to reach a quicker resolution as merchants are able to correct the situation and reverse the transaction. 

TIP:
Visit the merchant location where the purchase was made or visit the merchant’s webpage for contact details if the purchase was made online. Always try more than one method to reach the merchant and keep details of all interactions and attempts. For example, who you spoke to, what emails were sent and when they were sent. 
The merchant’s name shown on your statement may not always be recognizable as they may be using the name of a parent company. By searching the merchant’s name on the internet you may find information that helps you recognize the transaction, or find the company details and contact information.

Step Two - Contact PC Financial Mastercard 
If you and the merchant cannot agree to a resolution or you have attempted to contact the merchant and have had no success, we may be able to assist. 

Contact us by: 

  • Signing into your online account at and register a dispute from the "Settings" tab
  • Calling a Dispute Resolution Specialists at 1 866 246 PCMC (7262)

It’s important to report discrepancies on your statement to us as soon as you become aware of them. Do it no later than 90 days from the date of your statement on which the transaction took place. 

TIP: 
Before you register a dispute, we recommend you gather necessary documentation to help us resolve the dispute faster. Take a look at some examples below and what you will be asked to provide. You will always have to provide a completed dispute form which you can access in the chart below.

Overcharged Amount Evidence/Documentation of the correct amount such as:
  • Register receipt
  • Invoice
  • Other documentation from merchant indicating the amount to be charged
Dispute Form
Merchant continues to bill you after you have cancelled Details of the cancellation:
  • Date of cancellation
  • How it was cancelled
    • Phone: Who you spoke with
    • Email
  • What was the merchant’s response
Dispute Form
Transaction that was billed to your PC Financial Mastercard account but was paid by other means (cheque/cash/other credit card) Evidence/documentation of other payment such as:
  • Front and back of cancelled cheque
  • Cash receipt
  • “Other” credit card statement reflecting charge
Dispute Form
Goods/services were either defective or not as described Evidence/documentation of what was expected such as:
  • Proof of Sale
    • Invoice
    • Contract
    • Sales receipt/bill of sale
  • Evidence/documentation of how what was received is not what was purchased
    • Expert Letter/Communication from a person or organization supporting that what was sold and what was received is not what was expected, the quality is not what was expected or product/service was misrepresented
Dispute Form
Credit was not processed for a return of a product or cancellation of service Evidence/documentation of return:
  • Credit note
  • Proof of cancellation , such as an email from merchant
Dispute Form
Cancelled Hotel Reservation Details of the cancellation:
  • Date of cancellation
  • How it was cancelled
    • Phone: Who you spoke with
    • Email
  • What was the merchant’s response
Dispute Form
Non Receipt of Goods/Merchandise Details of what was expected:
  • What was ordered/expected to be shipped
  • Expected date of delivery
Dispute Form
Unauthorized Transaction on your PC Mastercard account or an authorized transaction was billed more than once Duplicate transactions:
  • Details of the authorized transaction
Dispute Form

If you’ve registered your dispute through your PC Financial Mastercard online account, please email your supporting documentation to our Dispute Resolution Team at:

documents@pcmastercard.ca  

If you’ve called our Dispute Specialists and requested that a Dispute Form be mailed to you, please complete the details required, attach required supporting documentation and e-mail us at: 

documents@pcmastercard.ca  

Alternately you may: 

Mail documentation to: 

PC Financial Mastercard
P.O. BOX 4403, Station A, Dept. 5115
Toronto, ON M5W 5Y4
Attention: Chargeback Department 

Or Fax: 
FAX: 1-866-271-7262 

If we need additional information, we’ll let you know. Please be aware that PC Financial Mastercard is governed by Mastercard Rules and Regulations and must abide by the timeframes established by Mastercard. 

Once a chargeback has been processed, a temporary credit for the disputed transaction will be applied to your account. Interest is not charged for a disputed transaction while under investigation. If you are paying your statement balance in full, you may deduct the disputed amount from your payment if you would like, while still benefiting from the interest free grace period on new purchases appearing for the first time on the statement. 

A merchant will have the opportunity to provide a rebuttal and this may take up to 45 days. If a rebuttal is received and further information is required, you will be contacted by our Dispute Resolution Team either by phone or mail. You will only be contacted if further information or details are required. 
Protecting yourself from unwanted activity 

Here are some helpful tips to keep in mind that will help protect you: 

  • When shopping online, be sure the website has “https” in the address line, which indicates it’s secure 
  • Always read the terms and conditions of the offer, purchase or contract before you provide your information, such as credit card number and personal contact details. Be wary of “Free Trials”. The terms and conditions for the “Free Trial” may indicate additional charges and products that you may not want. The only way to stop this will be for you to cancel with the merchant.
  • Contracts will always include cancellation conditions. Be aware and ensure you are comfortable with all of the conditions and address them with the merchant prior to committing if you are not. Our assistance may be limited to what’s specified in the terms you have agreed to
  • Be aware of your surroundings, and don’t present your card until it’s necessary and only if you are expecting to make a purchase. Don’t read your card number out loud in public; use your hand or body to keep your PIN hidden on keypads ; and ensure if a cashier asks for your card, it always remains in your sight.
  • Shred your statements and other papers that show your card number, rather than throwing them in the trash or recycle bin
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About your PC Optimum points

The PC Optimum program is a loyalty program that lets you earn points on items you buy at participating stores; gives you access to bonus points events ; and, when you download the app or create an online account, also gives you offers tailored just for you. 

With the PC Financial Mastercard you’ll earn PC Optimum points for purchases made on the card everywhere you shop. But, when you create a PC Optimum online account at PC Optimum you’ll receive even more benefits.

Here is a little more detail:

  • On top of the points you earn with your PC Financial Mastercard, get even more points in store, online, at points events, and through personalized offers when you create an online account at PC Optimum.
  • Exclusively at participating Shoppers Drug Mart and Pharmaprix stores (in Quebec), you’ll earn an incremental 15 PC Optimum points for every dollar spent on eligible products, and online at BeautyBoutique.ca.
  • You can earn and redeem PC Optimum points at almost 2,500 participating stores, including stores like Loblaws, Real Canadian Superstore, No Frills, Joe Fresh and Shoppers Drug Mart. 
  • Also, you can earn and redeem PC Optimum points when you make purchases online at JoeFresh.ca, order groceries through PC Express, and buy beauty and skincare products at BeautyBoutique.ca.
  • Visit our store locator to see all participating locations in your area.
  • Every 10,000 PC Optimum points is like $10 worth of free stuff.
PC Optimum points can be redeemed for rewards at participating store. Once you accumulate 10,000 points, you can spend your points for $10 worth of free stuff.

PC Optimum points Reward Value*
 10,000 $10 
 50,000 $50
 100,000 $100 

*PC Optimum points have no cash value and are not exchangeable for cash. Points can only be redeemed in increments of 10,000. For example, if you have 37,000 points, you can spend them for $30 off your purchase, and you’ll have a remaining points balance of 7,000 points. 

When you scan your PC Optimum card at checkout, simply let the cashier know that you would like to spend your points.
As soon as you have 10,000 PC Optimum points, you can redeem for up to $10 worth of free stuff at any participating store or online at Beautyboutique.ca, JoeFresh.ca and PC Express websites. Every 10,000 points is like $10 in free stuff 

You can save your points for up to a maximum of $500 off on any one purchase. So whether it’s groceries, cosmetics or household products, you have lots of options for spending your points.
If you have a PC Financial Mastercard, your card automatically acts as your PC Optimum card and is the only card you need to earn and redeem points at participating stores. Simply create an online account at PC Optimum to enjoy all the benefits of the program.
If you have a PC Financial Mastercard, your card automatically acts as your PC Optimum card and is the only card you need to earn and redeem points at participating stores. Simply create an online account at PC Optimum to enjoy all the benefits of the program.
Start by downloading the PC Optimum mobile app, or create an account online.

During the online account setup, you will be prompted to provide more information about your Shoppers Optimum, PC Plus and PC Financial accounts. After those verification steps, all your points will be brought together into one PC Optimum account.

If you don’t have all your account information during your account setup, not to worry. You can log back into your account later to add any additional information.
If you are an Authorized User of a PC Financial Mastercard, you will not see or have access to your primary cardholder’s points balance unless the primary cardholder chooses to add you to their Household. Please speak to the primary cardholder of your account. Learn more about how to pool points and what creating a household is all about here.

If you still have trouble spending your points and you have already accepted the Terms and Conditions, please call 1 866 727 6468 for assistance. 
There are a couple of reasons why you might not be able to sign in, including the following: your account is locked, your PC Optimum card number is incorrect, your password is incorrect or your account has not been registered. 

Check to make sure you are entering the correct PC Optimum card number and password. If you’ve forgotten your password, we can reset it for you. Simply click the Forgot Password link during the sign-in process.

For any of the other problems, please contact PC Optimum Member Care for assistance or call 1 866-727-6468 for help.
No. Your points do not expire. However, your account can be closed, if you do not earn or spend any PC Optimum points at least once every 2 years or if you don’t have an open PC Financial payment product registered to your account. For more details, please see the PC Optimum program Terms and Conditions.
You can check your PC Optimum points balance by signing into your PC Financial online account here or PC Optimum online account .
The PC Optimum points you’ve earned using your President's Choice Financial Mastercard will be posted to your PC Optimum points statement within 3 business days from the date the transactions are posted to your President's Choice Financial Mastercard account.
President's Choice Financial Mastercard accounts that are jointly held, all PC Optimum points earned for spend on the card are awarded to the primary account holder's PC Optimum account.
No. Points are not transferable between members at this time. However, you can create a Household at PC Optimum and each member’s points will be added to the Household pool.
As a PC Optimum member, you have the opportunity to pool your points with those of up to 9 other PC Optimum members, for a total of 10 members. Household members do not need to be PC Financial customers. This grouping is called a “Household.” All members of a Household can contribute points to the same total, and all members have the opportunity to redeem from that same points total, too. 

You can join a Household only if another PC Optimum member invites you. Creating a Household is just as easy. Visit PC Optimum and through My Account, select Household and follow the instructions to invite up to 9 other PC Optimum members to pool their points with yours. 

When you join a Household, all of the PC Optimum points in your account are pooled with the points of all members of the Household. Any member of a Household may, at their sole discretion, spend any or all of the PC Optimum points that are held by members of that Household, including points that were earned by other members of the Household.

You can’t remove someone from a Household once they’ve accepted an invitation to join; however, you can leave a Household at any time. 

When someone leaves a Household, they leave with their share of points, which are calculated based on their contributions or redemptions relative to the total amount of points pooled. This points amount will be shown to a member prior to leaving the household.

The total portion of redemptions attributed to the exiting member will be subtracted from the total amount of points contributed.
When you register your PC Financial Mastercard at PC Optimum and use your card at the checkout of participating stores, the program tailors your offers to the products you purchased.
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About the President’s Choice Children’s Charity

President’s Choice Children’s Charity (PCCC) is committed to helping kids across Canada live to their full potential. Our focus is twofold; we support children with disabilities and fight childhood hunger through our support of nutrition programs.

The Charity believes nutrition is fundamental to children’s health and helps provide the resources necessary to fuel a better learning environment. Our fight against childhood hunger is accomplished by being the National Premier Sponsor of Breakfast for Learning and through the PCCC Basic Needs Brighter Future Program in partnership with Boys & Girls Clubs of Canada.

We support children with disabilities by providing financial grants for essential specialized equipment and essential therapists. Through individual grants, the Charity is able to supply much needed resources and help provide a renewed sense of independence, dignity and freedom.
You can send a monetary donation to:
President's Choice Children's Charity
1 President's Choice Circle
Brampton, ON L6Y 5S5

Or you can donate online at pc.ca/charity
Visit the President's Choice Children's Charity webpage to find out more. 

Or simply call (905) 459 2500, toll free 1 (877) 525-4762 or send an e-mail to pccharity@loblaw.ca for more information.
Yes. On PC Optimum or the PC Optimum app, go to your points section and select Donate Points to learn about donating your points to charity.

You will not receive a tax receipt when you donate your PC Optimum points towards the President's Choice Children's Charity. Tax receipts will only be issued when you make a cash donation to the charity.
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About Apple Pay

The PC Financial Mastercard allows purchases up to $200 via tap-enabled technology within our Loblaw locations. If the purchase amount is higher you will be prompted to use your physical plastic card.
Apple Pay works with iPhone 6 and later and Apple Watch in stores, and iPhone 6 and later, iPad Pro, iPad Air 2, and iPad mini 3 and later within apps. For a list of compatible Apple Pay devices, see www.apple.com/ca/apple-pay.
With Apple Pay, instead of using your actual credit card number when you add your card, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element, a dedicated chip in iPhone and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual credit card number is never shared by Apple with merchants or transmitted with payment.
Yes. A dedicated chip in the device stores a unique, encrypted Device Account Number for each card number. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process the payment. So payments are secure because you are not handling the actual credit card numbers in your system when customers pay with Apple Pay.
If an iPhone is ever lost or stolen, you can use Find My iPhone to quickly put their device in Lost Mode to suspend Apple Pay, or you can wipe your device clean completely. You can also stop the ability to make payments from credit cards on your iPhone or Apple Watch with iCloud. Just sign in to iCloud.com and click Settings. If you have been using your PC Financial Mastercard in Apple Pay, you must also report it lost or stolen to President’s Choice Financial Mastercard at 1 866 246 PCMC (7262).
You will continue to earn PC Optimum points for every $1 spent on your PC Financial Mastercard. However, at this time, in order to keep earning PC Optimum points from personalized digital offers and on-shelf offers at Loblaw stores you must tap or scan a separate valid PC Optimum device (i.e. your PC Optimum card, key-fob, app, barcode within Apple Pay or plastic PC Financial Mastercard) PRIOR to paying with Apple Pay. Therefore, you will need to scan or tap twice during the transaction; first to capture your PC Optimum membership with a valid PC Optimum device and second with your Apple Pay to capture your payment information.
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About Google Pay

Please follow the current process to engage your front end supervisor, who would call the NSC to report
If a customer’s phone is lost or stolen, they can find, lock, or erase it using Android Device Manager. If they lock their device, Google Pay can't be used. If their device can't be contacted, their payment information might be removed so no one can access it. If they find their device, they can unlock it and add their payment information again to use Google Pay.
Google Pay is currently available for all Android devices running 4.4 (KitKat) or higher.
Yes. Google Pay is secure.

Tap and pay wherever contactless payments are accepted.

  1. Simply wake up the phone. No need to open the app.
  2. Hold the back of the device near the contactless payment terminal.
  3. The phone will beep or vibrate to show the payment was made. In some cases, the customer may be required to unlock the phone and tap again to complete the transaction
Yes, customers will continue to earn PC Optimum points for every dollar spent on with their loyalty card and be able to redeem their PC Optimum points.  However until further notice, in order to keep earning PC Optimum points from personalized digital offers and on-shelf offers at Loblaw stores they must tap their PC Optimum device (ie. PC Optimum card, , smartphone app, PC Optimum barcode within Google Pay or plastic PC Financial Mastercard) PRIOR to paying with Google Pay.  Therefore, you will need to tap twice during the transaction; first to capture your PC Plus membership and second to capture your payment information. If they simply tap once with Google Pay, it will not recognize their loyalty account and they will not earn their points for that purchase.
The PC Financial Mastercard allows purchases up to $200 via tap-enabled technology within our Loblaw locations.  If the purchase amount is higher the customer will be prompted to use their physical plastic card.  All other cards within Google Pay will have a $100 payment limit in our stores
Select the "Save to Google Pay button” within the PC Optimum app.
  1. From Google Pay's homepage, click on the plus floating action button located at the bottom right side of your screen and select the Add a loyalty program option. 
  2. Search for PC Optimum
  3. Select PC Optimum and enter your card manually.  
  4. Save the information and the card will be added to your list of cards currently saved in your Google Pay account.
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About PC Financial® Prepaid Mastercard®

The PC Financial® Prepaid Mastercard® program has been discontinued. As of October 3, 2016 it can no longer be used for payment. To request a refund for any remaining balance please call 1-866-279-5603.
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About PC Financial emails

If you’ve received an email from the email address Info@emails.pcbank.ca , yes, this is a legitimate email sent from PC Financial. Periodically, PC Financial will need to email you important notices about your account or card. Please ensure that your email address on file is always up to date. 

Update your email address

Email Fraud
Some President's Choice Financial® services customers have recently received a fraudulent e-mail, also known as phishing or brand spoofing.

Fraudulent e-mails generally ask customers to select a link, leading them to a fraudulent web site that looks like a legitimate financial institution's web site — even duplicating logos and text. Customers are asked to enter personal banking information, which the fraudsters can use to withdraw money, make purchases or open new accounts and credit card accounts in the customer's name. Fraudulent e-mail messages may imply a sense of urgency or immediate risk to bank accounts or credit cards if you fail to answer. Special offers and prizes may also be promoted as incentives.

What to do if you receive this type of e-mail and have not yet responded to it

  • Do not respond to the e-mail — some phishing sites distribute malicious software; do not click on the links provided in the e-mail — visiting these sites could place your computer at risk
  • Email: pcmcfraudops@pcbank.ca so we can investigate — describe the fraudulent incident, making sure to attach or include any fraudulent e-mails you received and any anti-virus/anti-spyware scan logs (if applicable)
  • Permanently delete the e-mail from both your inbox and your deleted items / trash folders
  • If you have any questions, contact President's Choice Financial services directly at 1-877-939-3933
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About PC Travel

PC Travel is a travel site exclusive to President’s Choice Financial Mastercard holders. Use your card to earn up to 3x the points on your travel purchases. Visit pctravel.ca for details.
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