With any one of our President's Choice Financial Mastercard® credit cards, you'll earn PC Optimum points towards free rewards.1 The more you use your card, the more PC Optimum points you'll earn.

Here's what each PC Financial® Mastercard® has to offer:

PC Financial® Mastercard®

PC Financial Mastercard

NO
ANNUAL
FEE

In our stores2

10 points per $1

Shoppers Drug Mart

25 points8 per $1

Esso & Mobil

Earn at least 3 cents per litre in PC Optimum points.3

PC Travel

20 points4 per $1

Everywhere else

10 points5 per $1

Subject to credit approval.

PC Financial® World Mastercard®

PC Financial World Mastercard

NO
ANNUAL
FEE

In our stores2

20 points per $1

Shoppers Drug Mart

35 points8 per $1

Esso & Mobil

Earn at least 3 cents per litre in PC Optimum points.3

PC Travel

20 points4 per $1

Everywhere else

10 points5 per $1

Requirements

A minimum annual personal income of $60,000 or household income of $100,000 is required for a new PC Financial® World Mastercard®. To upgrade from another PC Financial Mastercard, the same income or a minimum $15,000 annual spending on the card is required. Subject to credit approval.

PC Financial® World Elite Mastercard®

PC Financial Mastercard

NO
ANNUAL
FEE

In our stores2

30 points per $1

Shoppers Drug Mart

45 points8 per $1

Esso & Mobil

Earn at least 3 cents per litre in PC Optimum points.3

PC Travel

30 points4 per $1

Everywhere else

10 points5 per $1

Requirements

A minimum annual personal income of $80,000 or household income of $150,000 or a minimum spend of $25,000 per year is required for the PC Financial® World Elite Mastercard®. To upgrade from another PC Financial Mastercard, the same income or a minimum $25,000 annual spending on the card is required.

Purchases interest rate

19.97%

Cash Advance interest rate

22.97%

Promotional
balance transfers

0.97%

6 months for new accounts7

Interest-Free
Grace Period

21 days

See below for some extra benefits our cards have in common:

  • Save money with no annual fee

    With any one of our President's Choice Financial® Mastercard® credit cards, you'll earn PC Optimum points toward free rewards1. The more you use your card, the more PC Optimum points you'll earn.

  • Earn PC Optimum points

    Get rewarded with PC Optimum points no matter which PC Financial Mastercard credit card you use.

    • Earn points for every $1 spent5 everywhere you shop.
  • Enjoy Free Benefits

    All PC Financial Mastercard card include the following benefits:

    • Mastercard Global Service that replace your card or offer a cash advance in case of emergency
    • Up to four free additional cards on your account for family members, so you can earn PC Optimum points even faster
    • Free Purchase Assurance in case of theft, loss or damage in the first 90 days6 when you pay in full with any PC Financial Mastercard credit card (learn more)
    • Free Extended Warranty that doubles the manufacturer's regular warranty for up to an additional year6 on items purchased with a PC Financial Mastercard credit card (learn more)

    If you qualify for the PC Financial World Mastercard, you'll also get exclusive access to a premium benefit (learn more). Plus, if you qualify for the PC Financial World Elite Mastercard, you'll also get exclusive access to more Mastercard's premium benefits (learn more).

  • Transfer and Save

    Why use high-interest retail store cards? New customers get a rate of 0.97% for 6 months on balances transferred from other higher-interest credit cards7.

    Learn more

PC Optimum card

Earn more with the PC Optimum program.

Learn more

Questions about PC Financial® Mastercard?

FAQ icon

Take a look at the PC Financial® Mastercard® Frequently Asked Questions

FAQs
Contact phone icon

Don't have a PC Financial® Mastercard® and have questions?

1-844-307-5530
Credit card icon

Already have the PC Financial® Mastercard®?

1-866-246-7262
World Elite and Silver Mastercards

Applying is Easy!

Our Application has just 6 steps and will take about 5 minutes

Apply now