President's Choice
Financial^® Mastercard^®

For information about all fees and charges for this card, click here.

¹Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards) and in increments of 10,000 points thereafter at participating stores. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.

²Visit pcoptimum.ca for details on participating stores where the PC Optimum program is offered.

³Earn 3 cents per purchased litre of Esso Supreme (Octane 91) and Esso SUPREME+ (Octane 93) gasoline only. Earn 2 cents per purchased litre on other gasoline or diesel. Cents per litre is payable in PC Optimum points when you use your President's Choice Financial World Elite Mastercard at Esso stations in Canada. 2 cents per litre amounts to 20 PC Optimum points. 3 cents per litre amounts to 30 PC Optimum points.

⁴Earn 2 cents per purchased litre of gasoline or diesel, payable in PC Optimum points when you use your President's Choice Financial Mastercard or President's Choice Financial World Mastercard at Esso stations in Canada. 2 cents per litre amounts to 20 PC Optimum points.

⁵Get a bonus 10 PC Optimum points per dollar of your PC^® travel services purchase (taxes included) charged to your President's Choice Financial Mastercard or President's Choice Financial World Mastercard and 20 bonus PC Optimum points per dollar charged to your President's Choice Financial World Elite Mastercard, in addition to the regular 10 PC Optimum points per dollar earned for all purchases on these card. Bonus PC Optimum points will be shown as “PC Travel Bonus Rewards” on your PC Optimum points statement. Account must be in good standing. Offer subject to change. PC^® travel services are provided by 8742995 Canada Inc. doing business as Travel Nation Canada. President's Choice Bank and its related companies are not affiliated with Travel Nation Canada and are not responsible for delivery of the services or liable in connection therewith.

⁶As a President's Choice Financial Mastercard cardholder, you can earn the regular 10 PC Optimum points per $1 charged to your eligible card when you use it to pay your PC mobile monthly bill (excludes PC mobile prepaid services). As a President's Choice Financial World Elite Mastercard cardholder, you can earn PC Optimum points at an earning rate equal to 30 PC Optimum points per $1 charged to your eligible card when you use it to pay your PC^® mobile monthly bill (excludes PC mobile prepaid services). You will earn the regular 10 PC Optimum points per $1, plus an extra 20 PC Optimum points per $1 of your PC mobile payment (taxes included) charged on your card for a total of 30 PC Optimum points per $1. As a President's Choice Financial World Mastercard cardholder, you can earn PC Optimum points at an earning rate equal to 20 PC Optimum points per $1 charged to your eligible card(s) when you use it to pay your PC^® mobile monthly bill (excludes PC mobile prepaid services). You will earn the regular 10 PC Optimum points per $1 plus an extra 10 PC Optimum points per $1, of your PC mobile payment (taxes included) charged on your card(s) for a total of 20 PC Optimum points per $1. Allow up to 4 weeks for extra PC Optimum points to be awarded. Subject to change.

⁷Earn 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.

⁸Some conditions apply. Effective August 1, 2017, the provider of the Purchase Assurance and Extended Warranty benefits on the President's Choice Financial® Mastercard® will be changing to American Bankers Insurance Company of Florida. You will find the Certificate of Insurance detailing the insurance coverage, including definitions, benefits, limitations, and exclusions here: www.pcfinancial.ca/cert-assur. Coverage will continue with First North American Insurance Company (FNAIC), a subsidiary of Manulife, until July 31, 2017. Submit any claims for purchases made prior to August 1, 2017, to FNAIC.

⁹Balance Transfers for new accounts: You must apply by December 31, 2018 in order to be eligible for the current promotional balance transfer offer of a 0.97% interest rate for 6 months. Offer is available to eligible new customers only, within 90 days of your President's Choice Financial Mastercard account ("Account") approval. This offer may be changed, extended or cancelled without notice. Promotional interest rate is annual and applies, unless your Account is in default, only to the transferred amount for 6 months after the transaction date, after which the cash advance interest rate applicable to your Account applies to any remaining balance until the balance is paid in full, unless your Account is in default. Balance transfers are treated like cash advances and interest is charged from the date the transfer occurs, which may be up to 30 business days from your activation of the Account. Continue making your minimum payments on accounts from which you are transferring until the balance transfer amounts are credited to those accounts in order to avoid late charges and penalties. If the total amount to be transferred is more than your available credit limit, President's Choice Bank ("PC Bank") may send your creditors either full or partial payment up to the amount of your available credit limit. PC Bank reserves the right to limit the number and amount of balance transfers and to decline them for any reason. Balances from other President's Choice Financial accounts are not eligible to be transferred. Stop payments are not allowed. PC Optimum points are not earned on balance transfers unless otherwise specified. Please refer to your Cardholder Agreement and Card Carrier disclosures for further information.

¹⁰All PC Optimum members earn 15 points per dollar at Shoppers Drug Mart and Pharmaprix. When you use your President’s Choice Financial Mastercard you will earn additional points per dollar: 10 points per dollar for President’s Choice Financial Mastercard cardholders; 20 points per dollar for President’s Choice Financial World Mastercard cardholders; and 30 points per dollar for President’s Choice Financial World Elite Mastercard cardholders.

^®/MDShoppers Drug Mart and Pharmaprix are registered trademarks of 911979 Alberta Ltd., used under license.

Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee.