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Choose from two Mastercard credit cards with PC Financial. Earn PC Optimum points across specific locations and redeem your points in-store at Loblaws, Shoppers Drug Mart, Joe Fresh, and a number of other stores, for groceries and other products sold in-stores. President’s Choice Financial is a part of Loblaw Companies Limited and prides itself on offering rewards and convenience.
The PC Financial Mastercard offers a welcome bonus of up to 100 bonus Optimum Points. It has no annual fee and you can earn a decent number of PC Optimum points on your grocery, beauty and fuel spend. You’ll earn up to 45 points per $12 spent at Shoppers Drug Mart, up to 30 points per $1 spent at Joe Fresh and Loblaw stores, 30 points per litre when you fuel up at Esso and Mobil gas stations, and 10 points per $1 spent everywhere else.
No annual fee. The PC Financial Mastercard has a $0 annual fee.
Earn rewards. You’ll earn up to 45 points per $12 spent at Shoppers Drug Mart, up to 30 points per $1 spent at Joe Fresh and Loblaw stores, 30 points per litre when you fuel up at Esso and Mobil gas stations, and 10 points per $1 spent everywhere else.
Bonus offer. Get up to 100,000 bonus PC Optimum points (a value of $100).
Limited additional benefits. There are no additional benefits like travel medical or roadside assistance on offer with this card.
Annual Fee
$0
Purchase APR
21.99%
Cash Advance Rate
21.97%
Balance transfer APR
21.97%
Welcome offer
Get up to 100,000 bonus PC Optimum points (a value of $100).
Rewards
You’ll earn up to 45 points per $12 spent at Shoppers Drug Mart, up to 30 points per $1 spent at Joe Fresh and Loblaw stores, 30 points per litre when you fuel up at Esso and Mobil gas stations, and 10 points per $1 spent everywhere else.
Please note: All information about PC Financial Mastercard has been collected independently by Finder and this card is not available through this site.
If you're looking to accelerate your Optimum points earn at stores, the PC Financial Insiders World Elite Mastercard will help you do that quicker. Get 250,000 in welcome points, plus pay no annual fee for your first year. That’s like $370 in value. With an annual fee of $120, you'll want to be sure you shop mostly at Loblaws, Joe Fresh, Shoppers Drug Mart and associated stores to get the best bang for your buck.
Bonus offer Get 250,000 in welcome points, plus pay no annual fee for your first year. That’s like $370 in value.
Earn rewards. You’ll earn 50 points per $12 spent at Shoppers Drug Mart, 40 points per $15 spent at Loblaws, 40 points per $1 spent at Joe Fresh, up to 70 points per litre when you fuel up at Esso and Mobil gas stations, and 10 points per $1 elsewhere. Plus, enjoy unlimited $0 grocery delivery and pickup on eligible orders of $35 or more with a complimentary PC Express Pass (valued at $99.99 per year).
Minimum income requirement. You'll need to earn $80,000 (or have a household income of at least $150,000).
Annual fee. You'll pay an annual fee of $120.
Annual Fee
$0 intro annual fee for the first year ($120 thereafter)
Purchase APR
21.99%
Cash Advance Rate
21.97%
Balance transfer APR
21.97%
Welcome offer
Get 250,000 in welcome points, plus pay no annual fee for your first year. That’s like $370 in value.
Rewards
You’ll earn 50 points per $12 spent at Shoppers Drug Mart, 40 points per $15 spent at Loblaws, 40 points per $1 spent at Joe Fresh, up to 70 points per litre when you fuel up at Esso and Mobil gas stations, and 10 points per $1 elsewhere. Plus, enjoy unlimited $0 grocery delivery and pickup on eligible orders of $35 or more with a complimentary PC Express Pass (valued at $99.99 per year).
Please note: All information about PC Financial Insiders World Elite Mastercard has been collected independently by Finder and this card is not available through this site.
The benefits of banking with PC Financial
Some of the features you can enjoy with a PC Financial credit card include:
PC Financial rewards
With a PC Financial credit card, you typically earn anywhere from 10 to 50 Optimum reward points per $1 spent on your credit card. You can then redeem your PC Optimum points at the Loblaw-owned Shoppers Drug Mart locations across the nation. Additionally, you can earn points toward Esso gas purchases, which can be redeemed at Esso locations Canada wide. Each PC credit card also gives you the opportunity to earn PC Travel points, which can be redeemed directly through PC Financial.
PC Financial Internet and mobile banking
If you have a PC Financial credit card, you can access your account at the ATMs at most of the major Loblaws stores and Superstores, or through the secure PC Financial online banking link located on the website. Furthermore, you can download the PC Financial app to your smartphone and access your accounts that way too. With these convenient options, you can manage your account, pay bills, request a credit limit increase or apply for another PC Financial credit card at any time online or via the handy mobile app.
Complimentary extras
All PC Financial credit cards come with purchase security, extended warranty protection and Mastercard Global Service. The premium cards provide exclusive access to additional complimentary extras which may include free personalized cheques, complimentary travel insurance, rental car insurance, concierge services, access to special offers and experiences, additional credit cards free of charge and enhanced customer service.
Security
PC Financial has a few different security protocols in place including Chip & PIN technology and Mastercard Secure Code, which offers an additional layer of security when you make purchases online. Furthermore, PC Financial staff contact you immediately if there is any unusual or suspicious activity on your credit card account. If you discover that you are the victim of fraud, contact PC Financial immediately and they will help you restore your bank balance and financial information.
How to apply for a PC Financial credit card
You can apply for a PC Financial credit card online. You’ll need to make sure you meet the eligibility requirements and have all the relevant information on hand.
Eligibility criteria
To apply for a PC Financial credit card, you’ll need to meet the following criteria:
You’ll need to be the age of majority in your province or territory.
Be a Canadian resident.
If you meet the eligibility requirements, you’ll need to enter the following information:
Personal information. You’ll need to provide personal details including your full name, email address, phone number and residential address. While it’s not required, inputting your SIN number will speed up the process.
Valid form of ID. You’ll need to supply a piece of government-issued ID such as your driver’s licence or a copy of your passport.
Financial and employment information. You may be asked to provide pay stubs or further financial details to show that you’re in a decent financial standing and can make repayments on time.
Credit score. You could be required to submit to a credit check as a condition of getting approved for an American Express credit card.
Bottom line
PC Financial offers two different credit cards that allow you to earn unlimited PC Optimum points with no expiry dates. While the PC Financial Insiders World Elite Mastercard charges an annual fee of $120, it offers a generous welcome bonus and the ability to earn Optimum Points at a much higher rate. The PC Financial Mastercard is a no annual fee card, so if you don’t frequent Loblaws, Shoppers Drug Mart and other associated businesses as much, then it may make sense to select the no annual fee card.
Frequently asked questions about PC Financial credit cards
We’ve gathered a list of the most frequently asked questions about PC Financial credit cards.
You’ll receive your new credit card in the mail. You can activate your card two different ways. One way is to call the toll-free number and provide some details of the new card. Once you’ve activated your card via telephone, you will be able to use it immediately. Additionally, you can activate your credit card online by heading to the secure PC Financial online banking site.
You can access PC Financial Online Banking via the secure PC Financial website. Alternatively, you can access your online banking details through the official PC Financial mobile app.
If you have a balance on your PC Financial credit card, interest will be calculated daily and charged monthly.
You can choose to receive paper statements in the mail or you can receive email notifications if you bank online. You can always check your balance via the PC Financial Online Banking site or through the PC Financial mobile app.
You can increase your credit limit by contacting PC Financial. Alternatively, you can ask for an increase in your credit limit online or via the mobile app. You can also decrease your limit if you wish via the same methods.
You will automatically be sent a new credit card in the mail.
PC Financial offer the PC Money Account – a no monthly fee bank account that lets you earn Optimum Points everywhere you shop.
Emma Balmforth is a producer at Finder. She is passionate about helping people make financial decisions that will benefit them now and in the future. She has written for a variety of publications including World Nomads, Trek Effect and Uncharted. Emma has a degree in Business and Psychology from the University of Waterloo. She enjoys backpacking, reading and taking long hikes and road trips with her adventurous dog. See full bio
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