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PC Financial Credit Cards

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

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.

    Compare other credit cards

    Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
    American Express Cobalt Card
    30,000 points
    Up to 5 points per $1 spent
    19.99%
    $120
    Min. recommended credit score: 700
    Earn up to 30,000 bonus Membership Rewards points in your first year as a new Cobalt Cardmember.
    Tangerine World Mastercard
    1.95% rate on balance transfers for 6 months
    Up to 2% cash back
    19.95%
    $0
    Min. recommended credit score: 680
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    BMO CashBack Mastercard
    5% cash back
    Up to 3% cash back
    19.99%
    $0
    Min. recommended credit score: 660
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
    BMO Preferred Rate Mastercard
    3.99% rate on balance transfers for 9 months
    N/A
    12.99%
    $20
    Min. recommended credit score: 660
    Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
    Scotiabank Value Visa Card
    0.99% rate on balance transfers for 6 months
    N/A
    12.99%
    $29
    Min. recommended credit score: 650
    Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by July 1, 2021.
    SimplyCash Card from American Express
    1.25% cash back
    Up to 2.5% cash back
    19.99%
    $0
    Min. recommended credit score: 700
    Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
    Choice Card from American Express
    10,000 points
    1 point per $1 spent
    19.99%
    $0
    Min. recommended credit score: 700
    Earn 10,000 Bonus Membership Rewards points within the first 3 months as a new Cardmember.
    Tangerine Money-Back Credit Card
    1.95% rate on balance transfers for 6 months
    Up to 2% cash back
    19.95%
    $0
    Min. recommended credit score: 680
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    HSBC +Rewards™ Mastercard®
    20,000 Points
    2x points per $1 spent
    11.9%
    $0 annual fee for the first year ($25 thereafter)
    Min. recommended credit score: 630
    Get 20,000 Points (up to $100 in value), plus get a 1st year annual fee waiver. Apply by September 27, 2021.
    BMO Rewards Mastercard
    10,000 points
    Up to 2 points per $1 spent
    19.99%
    $0
    Min. recommended credit score: 725
    Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
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    Compare up to 4 providers

    Name Product Balance Transfer Rate Balance Transfer Fee Purchase Interest Rate Annual Fee Min. Credit Score Description
    Tangerine World Mastercard
    1.95% for the first 6 months (then 19.95%)
    3%
    19.95%
    $0
    Min. recommended credit score: 680
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    BMO CashBack Mastercard
    1.99% for the first 9 months (then 22.99%)
    1%
    19.99%
    $0
    Min. recommended credit score: 660
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
    BMO Preferred Rate Mastercard
    3.99% for the first 9 months (then 12.99%)
    1%
    12.99%
    $20
    Min. recommended credit score: 660
    Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
    Scotiabank Value Visa Card
    0.99% for the first 6 months (then 12.99%)
    N/A
    12.99%
    $29
    Min. recommended credit score: 650
    Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by July 1, 2021.
    Tangerine Money-Back Credit Card
    1.95% for the first 6 months (then 19.95%)
    3%
    19.95%
    $0
    Min. recommended credit score: 680
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    BMO Rewards Mastercard
    1.99% for the first 9 months (then 22.99%)
    1%
    19.99%
    $0
    Min. recommended credit score: 725
    Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO AIR MILES Mastercard
    1.99% for the first 9 months (then 22.99%)
    1%
    19.99%
    $0
    Min. recommended credit score: 660
    Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO AIR MILES Mastercard For Students
    1.99% for the first 9 months (then 22.99%)
    1%
    19.99%
    $0
    Min. recommended credit score: 660
    Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.
    BMO CashBack Mastercard For Students
    1.99% for the first 9 months (then 22.99%)
    1%
    19.99%
    $0
    Min. recommended credit score: 660
    Get up to 5% cash back in the first three months (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers for 9 months (with a 1% transfer fee).
    Scotia Momentum Visa Card
    2.99% for the first 6 months (then 22.99%)
    N/A
    19.99%
    $39
    Min. recommended credit score: 650
    Earn 7.5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 2.99% introductory rate on balance transfers and a 0% balance transfer fee for the first 6 months. Apply by August 31, 2021.
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    Compare up to 4 providers

    Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
    American Express Cobalt Card
    30,000 points
    Up to 5 points per $1 spent
    19.99%
    $120
    Min. recommended credit score: 700
    Earn up to 30,000 bonus Membership Rewards points in your first year as a new Cobalt Cardmember.
    Choice Card from American Express
    10,000 points
    1 point per $1 spent
    19.99%
    $0
    Min. recommended credit score: 700
    Earn 10,000 Bonus Membership Rewards points within the first 3 months as a new Cardmember.
    HSBC +Rewards™ Mastercard®
    20,000 Points
    2x points per $1 spent
    11.9%
    $0 annual fee for the first year ($25 thereafter)
    Min. recommended credit score: 630
    Get 20,000 Points (up to $100 in value), plus get a 1st year annual fee waiver. Apply by September 27, 2021.
    BMO Rewards Mastercard
    10,000 points
    Up to 2 points per $1 spent
    19.99%
    $0
    Min. recommended credit score: 725
    Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO World Elite Mastercard
    30,000 points
    Up to 3 points per $1 spent
    20.99%
    $0 annual fee for the first year ($150 thereafter)
    Min. recommended credit score: 760
    Get up to 30,000 points and the $150 annual fee waived in the first year. Apply by October 31, 2021
    Brim Mastercard
    Up to $200 worth of bonuses
    1 point per $1 spent
    19.99%
    $0
    Min. recommended credit score: 700
    Earn up to $200 worth of bonus points when you shop with Brim retailers for the first time through the Brim mobile app.
    American Express Aeroplan Card
    15,000 points
    Up to 2x points per $1 spent
    30% annual interest rate applies to balances not paid in full each month
    $120
    Min. recommended credit score: 700
    Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.
    BMO eclipse Visa Infinite
    40,000 points
    Up to 5 points per $1 spent
    20.99%
    $0 annual fee for the first year ($120 thereafter)
    Min. recommended credit score: 760
    Get up to 40,000 points and the $120 annual fee waived in the first year.
    American Express Business Edge Card
    57,000 points
    Up to 3 points per $1 spent
    19.99%
    $99
    Min. recommended credit score: 700
    Earn up to 57,000 Membership Rewards points in your first year.
    American Express AIR MILES Platinum Credit Card
    2,000 Miles
    Up to 1 Air Mile per $5 - $10 spent
    20.99%
    $120
    Min. recommended credit score: 700
    Earn a Welcome Bonus of 2,000 AIR MILES within the first three months. That’s enough to redeem for $200 towards your purchases with AIR MILES Cash.
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    Compare up to 4 providers

    Name Product Welcome Offer Cash Back Rate Purchase Interest Rate Annual Fee Min. Credit Score Reward Description
    Tangerine World Mastercard
    1.95% rate on balance transfers for 6 months
    Up to 2% cash back
    19.95%
    $0
    Min. recommended credit score: 680
    Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
    BMO CashBack Mastercard
    5% cash back
    Up to 3% cash back
    19.99%
    $0
    Min. recommended credit score: 660
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    SimplyCash Card from American Express
    1.25% cash back
    Up to 2.5% cash back
    19.99%
    $0
    Min. recommended credit score: 700
    Earn 1.25% cash back on all eligible purchases.
    Tangerine Money-Back Credit Card
    1.95% rate on balance transfers for 6 months
    Up to 2% cash back
    19.95%
    $0
    Min. recommended credit score: 680
    Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
    SimplyCash Preferred Card from American Express
    10% cash back
    2% cash back
    19.99%
    $99
    Min. recommended credit score: 700
    Earn 2% cash back on all eligible purchases
    BMO CashBack World Elite Mastercard
    Up to 10% cash back
    1% cash back
    20.99%
    $0 annual fee for the first year ($120 thereafter)
    Min. recommended credit score: 760
    Earn 5% cash back on groceries, 4% on transit including ride sharing, taxis and public transportation, 3% on gas and electric vehicle charging, 2% on recurring bill payments and 1% unlimited cash back on all eligible purchases.
    Shell CashBack Mastercard from BMO
    $50 in cash back + 1% cash back
    Up to 1.5% cash back
    19.99%
    $0
    Min. recommended credit score: 660
    Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
    BMO Cashback Business Mastercard
    10% cash back
    Up to 1.75% cash back
    19.99%
    $0
    Min. recommended credit score: 650
    Earn 1.5% cash back on eligible gas purchases, office supplies and on cell phone and internet recurring payments, earn 1.75% cash back at participating Shell stations, and earn 0.75% on all other eligible card purchases.
    BMO CashBack Mastercard For Students
    5% cash back
    Up to 3% cash back
    19.99%
    $0
    Min. recommended credit score: 660
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Shell CashBack World Mastercard from BMO
    N/A
    Up to 3% cash back
    19.99%
    $79
    Min. recommended credit score: 760
    Get 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend.
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    Compare up to 4 providers

    Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
    Tangerine World Mastercard
    1.95% rate on balance transfers for 6 months
    Up to 2% cash back
    19.95%
    $0
    Min. recommended credit score: 680
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    BMO CashBack Mastercard
    5% cash back
    Up to 3% cash back
    19.99%
    $0
    Min. recommended credit score: 660
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
    SimplyCash Card from American Express
    1.25% cash back
    Up to 2.5% cash back
    19.99%
    $0
    Min. recommended credit score: 700
    Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
    Choice Card from American Express
    10,000 points
    1 point per $1 spent
    19.99%
    $0
    Min. recommended credit score: 700
    Earn 10,000 Bonus Membership Rewards points within the first 3 months as a new Cardmember.
    Tangerine Money-Back Credit Card
    1.95% rate on balance transfers for 6 months
    Up to 2% cash back
    19.95%
    $0
    Min. recommended credit score: 680
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).