PC Financial®

Fast forward to free with the PC® Mastercard®

With Velvet
PC Financial® Team
Sep 28, 2023

Let’s face it. Some credit card reward programs can take ages for you to earn anything. But what if it didn’t have to? What if you could simply fast forward to free rewards?

The PC® Mastercard® does just that. Gets you points fast so you can get free groceries, gas, makeup, clothes, and more at participating stores. And on the topic of “free,” it has no annual fee plus you can earn unlimited points! Earn up to 30 PC Optimum™ points on every dollar¹ spent at participating grocery stores such as Loblaws®, No Frills®, Maxi®, Superstore®, Zhers®, as well as Joe Fresh® stores. Earn up to 45 points on every dollar spent at Shoppers Drug Mart® and Pharmaprix® stores. Plus, you can earn at least 3 cents/litre³ in PC Optimum™ points when you fuel up at Esso™ or Mobil™ stations. Not headed to one of our stores today? No worries. You still earn 10 points per dollar¹ everywhere else you shop. So go ahead and buy a 4th skin serum, or two flavours of chips. Now you can earn points fast, rather than waiting for ages to get rewarded.

“Love this card for buying gas. You get 3 cents back in points per litre at Esso and Mobil gas stations. I’ve accumulated thousands of dollars in free grocery points and the best part is this card has no annual fee." – Braedon S

Looking for ways to save this fall? Redeem 4,000 points for 10 cents off per litre⁴ (up to 40L in a single fill) at Esso™ stations. Another perk: if your car’s a bit dirty from road trips, ski trips, or just driving in the city, 10,000 points gets you a car wash reward⁴ at Esso™ stations.

“Buying strategically and point stacking has allowed me to reduce grocery budget by 10%.” – Sean G.

In addition to gas, you can redeem⁵ your points for groceries and everyday essentials at participating stores. Reward yourself at any participating store or online at Beautyboutique.ca, Joefresh.ca, or at PC® Express by redeeming 10,000 PC Optimum™ points for $10 worth of free stuff. Redeem toward items like groceries, Joe Fresh® clothes, and everything from beauty to home products at Shoppers Drug Mart®. You can redeem your points for up to a maximum of $500 off on any one purchase. Check out all the ways you can start earning and redeeming more points fast with the PC® Mastercard® (opens in a new window)External link.

''I love how quickly points accumulate. Be it groceries, gas, or any personal expense, I would never go back to regular bank cards.” - Divya A.

While we can talk about how great the PC® Mastercard® is all day, we’re not the only ones that believe it. It was named the most trusted No Annual Fee Credit Card brand by Canadian shoppers based on the BrandSpark® Canadian Trust Study two years in a row and RatesDotCA gave the Best Family Rewards Card for Gas and Groceries award to the PC® World Elite Mastercard®.

Become a points magnet by applying for your own PC® Mastercard® (opens in a new window)External link today and start to fast forward to free.

General information not about PC Financial® products is provided for your reference and interest only. The above content is intended only to provide a summary and general overview on matters of interest and is not a substitute for and should not be construed as the advice of an experienced professional. PC Financial® does not guarantee the currency, accuracy, applicability or completeness of this content.

¹Earn a minimum of 10 PC Optimum™ points per dollar on all of your purchases charged to the credit card. Any bonus PC Optimum™ points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC Optimum™ points per dollar spent. This offer may be terminated or changed at any time.

²All PC Optimum™ members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart® and Pharmaprix®. When you use your PC Financial® Mastercard® you will earn additional points per dollar: 10 points per dollar for PC Financial® Mastercard® cardholders; 20 points per dollar for PC Financial® World Mastercard® cardholders; and 30 points per dollar for PC Financial® World Elite Mastercard® cardholders.

³Points amount shown includes the 10 points per dollar for all purchases with the PC Financial® Mastercard®. In addition, earn at least 10 PC Optimum™ points per purchased litre of gasoline or diesel fuel at Esso™ and Mobil™ stations in Canada when you pay with your PC Financial® Mastercard®. You will also earn at least 10 PC Optimum™ points per litre available to all PC Optimum™ loyalty members at Esso™ and Mobil™ stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at Esso™ and select Mobil™ Stations. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate is available at the station. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 30 points per litre, points will be topped up to ensure a minimum of 30 points per litre are awarded in all transactions paid with a PC Financial® Mastercard® at Esso™ and Mobil™ locations. For full details including how points are awarded to your PC Optimum™ account and rounding rules, visit pcfinancial.ca/en/legal-stuff/pc-optimum-mastercard/.

⁴ Limit of one redemption per PC Optimum™ account per day. 10 cents off per litre fuel redemption option valid at Esso™ stations across Canada. Car wash redemption option available at participating Esso™ stations with car wash facilities where advertised. Only redeemable at points level specified in a single transaction. 10 cents off per litre valid on actual number of litres fueled, to a maximum of 40 litres per redemption transaction, or a single car wash depending on the redemption option selected. Limit of one redemption per PC Optimum™ account per calendar day at participating Esso™ stations (in accordance with President’s Choice Services Inc.’s official records). A valid PC Optimum™ card, PC Money™ Account card or President's Choice Financial® Mastercard® must be swiped at the pump or a valid PC Optimum™ card, PC Optimum™ app, PC Money™ Account card or PC Financial® Mastercard® must be scanned or swiped in the station as part of the payment transaction in order for PC Optimum™ points to be redeemed on fuel or car wash purchases, as applicable. Car wash options available for redemption are subject to availability and do not include coin operated car washes. Car wash codes can only be used at the station where the reward was issued unless otherwise specified in writing at the time of redemption and may be subject to expiration timelines. Redemption not available using manual card number entry phone number entry, or the Speedpass+ app. For fuel redemption, taxes payable on full purchase price before application of reward. Points are not redeemable for cash or credit. We are not obligated to award or redeem points based on errors or misprints. PC Optimum™ redemption is not available at Mobil™ stations. PC Optimum™, PC®, President’s Choice®, PC Financial®, President’s Choice Financial® PC Money™ and the PC® Logo are trademarks of Loblaws Inc., used under license. Mastercard® is a trademark of Mastercard International Incorporated, used under license. PC Financial® Mastercard® and PC Money™ Account are provided by President’s Choice Bank. Esso™ is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Speedpass+ is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee.

⁵ Minimum redemption is 10,000 PC Optimum™ points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President’s Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions.

The BrandSpark Most Trusted Awards logo is a registered trademark, used under licence from Best New Product Awards Inc.