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Looking for a bank that rewards your everyday?

Choose PC Financial® - the only bank that earns you PC Optimum™ points for your everyday banking and spending on groceries, beauty, fuel, apparel, and more.

PC Financial

Earn on everything that makes you, you.

Get at least 1% back in points1 everywhere you shop with the no annual fee PC® Mastercard®. No limits, just rewards on your terms.

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The card for living unlimited

Enjoy $1,100 in average value every year6 and earn unlimited PC Optimum™ points on your everyday spend with the with the PC Insiders™ World Elite® Mastercard®.

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NEW! Earn our best everyday rate of on your savings* with the PC Money™ Account.

Save your savings
PC Money Account
Special offer

No annual fee for your first year!** with the PC Insiders™ World Elite® Mastercard®.

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What you need to live life well.

Explore our products today to find what’s right for you and start making your everyday count.

  • Spend and Earn

    Credit cards

    Get the most from your everyday spending1, with no caps on earning PC Optimum™ points.

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  • Bank and Save

    Bank account

    The only no monthly fee bank account that rewards you with PC Optimum™ points for everyday banking2,3 and spending4 plus interest on your savings balance*.

    Learn more

Redeem your PC OptimumTM points instantly at over 4,500 stores.

Get $10 in value for every 10,000 points you redeem10 towards the things you love. It’s that simple!

  • Loblaws
  • No Frills
  • Shoppers Drug Mart
  • Real Canadian Superstore
  • Zehrs
  • Wholesale Club
  • Value-mart
  • Joe Fresh
  • Independent
  • Fortinos
  • The Mobile Shop
  • PC Express
Find locations in your area (opens in a new window)External linkRead more on points redemption (opens in a new window)External link

Loved and trusted by many.

3 Million

Customers

+$1 Billion

PC optimum™ points redeemed

4.7

App ratings

On my way to my first million points with my PC Money Account and PC Mastercard (opens in a new window)External link! What's not to love? No monthly fee or annual fee, points everywhere, every time! Great way to budget as well!

- Vito

If you use the PC Mastercard (opens in a new window)External link for most purchases monthly and pay it off monthly, it does help financially! By the end of November, I saved up over $1000 in free groceries and used them during the month of December! It’s a win for us!

- Shannon

I'm glad I got the PC Money Account. Within the last 3 weeks I've gotten nearly $80 in points with the purchases I've made and my pay being deposited.

- Lisa-Nassy

...but don’t just take our word for it.§

Thanks to you, we are an award-winning bank.

Guarding your finances day and night.

PC Financial® uses strong encryption and secure protocols to protect your data and account. We monitor your transactions and have a dedicated team of experts ready to help. You can also set up alerts to stay informed about your account activity.

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Ready to earn PC Optimum™ points on your everyday banking and spending?

Manage your money anywhere, anytime.

Download the app or go online to access your account from wherever you are. Easily check your balance, view transactions, and track your spending trends effortlessly.

Get it on Google Play (opens in a new window)Download on the App Store (opens in a new window)
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Rewarding Reads: PC Financial® Blog

Explore tips and tricks to maximize your rewards, answer your points questions and stay updated with the latest insights.

  • A PC Financial credit card is THE credit card for gas when you fuel up at Esso or Mobil stations

    Have you met THE credit cards for gas?

    By PC Financial Team

  • Tapping a PC Mastercard on a card machine with a lot of points pucks around it

    3 Ways The PC® Mastercard® Can Earn You Up To 10% Back in Points with the PC Optimum™ program!

    By PC Financial Team

  • A human-sized PC Money Account card sits on a couch.

    The PC Money™ Account: Short Stories of Long-Term Partnership

    By PC Financial Team

Read more

President’s Choice Bank is a member of the Canada Deposit Insurance Corporation (CDIC).

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President's Choice Financial Mastercard is provided by President's Choice Bank. PC Optimum program is provided by President’s Choice Services Inc.