PC Financial Credit Cards

Earn points toward discounts at Esso, Shoppers Drug Mart and more with PC Financial credit cards.

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The iconic Canadian grocery chain, Loblaws, owns the President’s Choice brand, including PC Financial that offers a small variety of credit cards catering to those who want to earn points per dollar spent.

With balance transfer, rewards and no annual fee credit cards, these cards allow you to reap the rewards from your spending and receive perks that you can use, whether that is a discount at Shoppers Drug Mart stores or Esso gas stations, travel rewards, complimentary insurance or low interest rates from promotional balance transfers.

Our guide covers the different types of PC Financial credit cards that are available, as well as the benefits and rewards offered by each card. Learn about the eligibility requirements and how to apply for a credit card with PC Financial. Additionally, we answer some of the most frequently asked questions about PC Financial credit cards.

finder does not currently have access to this credit card provider. Please review the product details, application criteria and terms and conditions on the provider’s website if you are considering applying for this product.

Types of PC Financial credit cards available

PC Financial offers a small range of credit cards, including premium, rewards, balance transfer, no annual fee and travel credit cards. At the time of writing in July 2018, PC Financial currently only offers Mastercard credit cards. Here’s a summary of the main types of PC Financial credit cards you can choose from:

  • Balance Transfer credit cards

PC Financial offers promotional balance transfers on most of its credit cards. Introductory interest rates sit around 0.97% for six months. These credit cards come with purchase security, extended warranty and Mastercard Global Service.

  • No Annual Fee credit cards

As of July 2018, all credit cards offered by PC Financial have zero annual fees.

    • Rewards credit cards

    PC Financial offers a range of rewards credit cards that allow you to earn PC Travel, Esso and Shoppers Optimum points when you use your credit card for eligible purchases. Unlike many other credit cards, PC Financial cards offer high points per $1 spent ratios, with points sitting between 10 to 45 points per $1 spent.

    • Travel Rewards credit cards

    PC Financial offer a couple of credit cards that are useful for avid travellers. Offering complimentary insurance, points per dollar spent, rental car and collision insurance, concierge services and plenty of other travel perks, these cards additionally come with purchase security, extended warranty and Mastercard Global Service.

    • Premium cards

    Offering a World Elite Mastercard, this specific card caters to those looking for more perks and complimentary extras through their spending. With no annual fee, the earning points potential is highest with this specific card. Premium cards come with purchase security, extended warranty, Mastercard Global Service and access to complimentary travel insurance, concierge services and more.

    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 45 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.

    • PC Financial credit card 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.

    • PC Financial credit cards 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

    If you’ve done your own research and have decided you’d like to apply for a PC Financial credit card, you can begin your secure online application by navigating to the PC Financial website. Once there, you will be taken to a secure credit card application page, where you will be able to begin the application process if you have all of the necessary documents and details handy.

    Before you get started on your application, ensure that you meet the eligibility requirements for the specific credit card that you are interested in. Eligibility requirements typically vary between credit cards and providers, but generally include the following:

    Eligibility requirements

    • How old are you? In order to apply for your own credit card, you should be at least the age of majority in your province or territory, normally 18 years old.
    • What is your Canadian residency status? You usually need to be a Canadian citizen or a permanent resident of Canada to apply for a Canadian credit card.
    • How is your credit history? Ideally, you should have a good to excellent credit score and no recent evidence of defaults or bankruptcy. Some cards will accept fair to poor credit, however check with the provider on the specific card before you apply if you have less than good credit.
    • What is your yearly income? Many PC Financial credit cards have minimum income requirements. Check to see if you meet the individual or household income requirements for the specific card.

    Information you will need for your application

    If you meet the eligibility requirements for the PC Financial credit card, you can proceed with your application by collecting the following information:

    • Personal information. You’ll need to provide personal information such as your address and your contact information. You’ll also need to verify your identity by providing an accepted form of identification, such as your driver’s licence number or government-issued ID card.
    • Financial information. You’ll also need to detail information about your current employment, income and assets, like shares or property, and your employer’s contact details. If you’re self-employed, you may need to provide information regarding your expenses, liabilities and your accountant’s contact information.
    PC Financial offers a small variety of credit cards that allow you to reap the rewards from your spending habits. They also offer flexible payment methods including Apple Pay and Google Pay. Before applying for a credit card, conduct some research in order to find a credit card that you can benefit from, whether that’s paying a low interest rate or earning points per dollar spent that you can redeem for travel, gas or everyday purchases.

    Frequently asked questions about PC Financial credit cards

    We’ve gathered a list of the most frequently asked questions about PC Financial credit cards.

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