Make every purchase more rewarding with a PC Financial® credit card.

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.

²PC Express™ Pass is a monthly or annual subscription plan that gives you $0 pickup or delivery on same-day or future PC Express™ online grocery orders of $35 or more for the duration of the plan. Annual subscription fee of $99.99, plus applicable taxes is waived for PC Insiders™ World Elite Mastercard® cardholders. Cannot be combined with any other PC Express™ Pass subscription promotional offer. Priority pickup and delivery are available with a PC Express™ Pass for $3. PC Express™ Rapid Delivery is available with a PC Express™ Pass for $3. PC Express™ online grocery orders require a $35 minimum spend (before taxes and fees) in order to receive free same-day or future pickup or delivery. Subscription may be automatically cancelled, and your benefits will end immediately if at any time your PC Insiders™ World Elite Mastercard® account is not in good standing, restricted, closed, or changed to a different President’s Choice Financial® credit card. Visit https://www.pcexpress.ca/pass for details on the program.

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/

⁴Annual 10% back in points may be achieved in numerous ways; including when you spend on average $7,000 using your PC Financial® Mastercard® in combination with the PC Optimum™ loyalty program and bonus points events, with approximately: (i) 65% of that spend allocated to purchases in our stores that maximize personalized offers in our grocery stores from the PC Optimum™ program; (ii) 15% at Shoppers Drug Mart/Pharmaprix on 20x Points Days and (iii) 20% everywhere else. Our stores means affiliated Loblaw banner grocery stores and Shoppers Drug Mart/Pharmaprix. Visit pcoptimum.ca for details on participating stores where the PC Optimum™ program is offered. Value shown is for illustrative purposes only; results may vary based on individual purchase behaviour.

⁵Earn 40 PC Optimum™ points per dollar on qualifying purchases made with a PC Insiders™ World Elite® Mastercard® credit card at participating Loblaw banner stores. For these purchases you will earn the regular 10 PC Optimum™ points per dollar plus an extra 30 PC Optimum™ points per dollar charged on your card(s) for a total of 40 PC Optimum™ points per dollar. 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.

⁶All PC Optimum™ members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart® and Pharmaprix® stores. 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; 30 points per dollar for PC Financial® World Elite® Mastercard® cardholders; and 35 points per dollar for PC Insiders™ World Elite® Mastercard® cardholders.

⁷Visit pcoptimum.ca for details on participating stores where the PC Optimum™ program is offered.

⁸Average annual value estimate consists of PC Express™ Pass annual subscription ($99.99) plus PC Optimum™ points predicted to be earned annually by average active PC Insiders™ World Elite Mastercard® cardholders. Total and category spending estimates are based on 2022 annual purchase data from PC Financial® World Elite Mastercard® cardholders projected to upgrade to PC Insiders™ World Elite Mastercard®. For illustrative purposes only; results vary based on individual spending.

⁹All PC Insiders™ World Elite® Mastercard® cardholders earn the regular earning rate of 50 points per litre at Esso™ and Mobil™ stations in Canada, which includes: the standard 10 points per dollar for all qualifying purchases with the PC Financial® Mastercard®, the 30 PC Optimum™ points per litre of gasoline or diesel fuel when you pay with your PC Insiders™ World Elite® Mastercard®, and the 10 PC Optimum™ points per litre available to all PC Optimum™ loyalty members. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 50 points per litre, points will be topped up to ensure a minimum of 50 points per litre are awarded. In addition to the regular earning rate of at least 50 points per litre, PC Insiders™ World Elite® Mastercard® cardholders can also earn 20 bonus points per litre – for a total of 70 points per litre – by purchasing at least 150 litres of fuel at Esso™ and Mobil™ stations in a calendar month. The additional 20 points per litre will apply to all fuel purchases made at Esso™ and Mobil™ stations in the same calendar month in which the 150-litre threshold was achieved. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93, 94) 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. For full details including how points are awarded to your PC Optimum™

ꝉ PC Insiders™ World Elite® Mastercard® has an annual fee of $120. Each account statement normally covers between 28 and 33 days. There is an interest-free grace period of 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. The minimum payment per account statement is 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 (5% for new accounts issued to Quebec residents since August 1, 2019, and for all other accounts held by Quebec residents: 3% effective August 1, 2021, 3.5% effective on August 1, 2022, 4% effective August 1, 2023, 4.5% effective on August 1, 2024, and 5% effective on August 1, 2025), or (c) the interest charges and fees billed on the current statement plus $1. Standard Annual Purchase Interest Rate of 21.99% or Basic Annual Purchase Interest Rate of 26.99% (not available in Quebec) applies to all purchases and to any fee, charge or markup treated as a purchase according to your Cardholder Agreement. Standard Annual Cash Advance Interest Rate of 22.97% (in Quebec, 21.97%) or Basic Cash Advance Interest Rate of 27.97% (not available in Quebec) applies to all cash advances, non-promotional balance transfers, and any other transaction, fee or charge treated as a cash advance according to your Cardholder Agreement. Based on your account use (including if you exceeded your credit limit or had any dishonoured payments), or your credit bureau reports and credit history, we may, upon providing the required notice, increase the above rates of interest to the Annual Performance Interest Rate of 26.99% for Purchases and 27.95% for Cash Advances. The Annual Default Interest Rate of 26.99% for Purchases and 27.97% for Cash Advances will apply to your entire unpaid balance if you do not make your minimum monthly payment by the due date for two consecutive months, or if you are not in full compliance with the terms of your Cardholder Agreement. For foreign currency transactions, the foreign currency conversion markup percentage charged for purchases and cash advances and deducted from refunds and credits is 2.5% of the amount of the charge or credit transaction. Other fees are: cash advance at a bank machine or teller in Canada: $5; cash advance outside Canada: $7.50; overlimit charge if over the credit limit on statement date: $29 (for Quebec residents: $0); 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: $10 (for Quebec residents: $0); copy of a previous account statement: $10; credit balance refund made by cheque: $20; balance transfer: up to 5% of the transferred amount. The exact fee will be disclosed to you before the transfer is submitted and is charged when the transfer posts to your account; 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. Subject to change.