PC Financial Credit Cards

Choose from three Mastercard credit cards with PC Financial. Earn PC Optimum points across specific locations and redeem your points in-store at Loblaws, Shoppers Drug Mart, Zehrs, and a number of other stores, for groceries or other products sold in-stores. President’s Choice Financial is a part of Loblaw Companies Limited and prides itself on charging no annual fees and offering rewards and convenience.

Compare President’s Choice Credit Cards

President’s Choice Financial Mastercard

Credit recommended (Unknown-) Read review

Unknown
Min. credit score

$0
Annual fee

6 months
0.97% intro transfer APR

Up to 25x
Points

• Info
• Pros & Cons
• Details

The President’s Choice Financial Mastercard gives you a low balance transfer rate and a decent return on PC Optimum points for no annual fee. You’ll earn 25 points per $1 spent at Shoppers Drug Mart, 20 points per $1 spent on PC Travel, 30 points per litre when you fuel up at Esso and Mobil gas stations, and 10 points per $1 spent everywhere else. N/A. Plus, get a low balance transfer rate of 0.97% for the first 6 months.

• Annual fee. The President’s Choice Financial Mastercard has a $0 annual fee.
• Earn rewards. You’ll earn 25 points per $1 spent at Shoppers Drug Mart, 20 points per $1 spent on PC Travel, 30 points per litre when you fuel up at Esso and Mobil gas stations, and 10 points per $1 spent everywhere else.
• Balance transfer. This card comes with a low balance transfer rate of 0.97% for the first 6 months.
• Card replacement. Get an emergency cash advance or a replacement card if you lose or misplace your card while travelling.
• Minimum income requirement. You won't have to meet any minimum income requirements to qualify for this card.

• Interest rate. You'll pay a relatively high purchase interest rate of 21.99% with this card.
• 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%
Balance transfer APR	0.97% intro for the first 6 months (then 22.97% )
Balance transfer fee
Rewards	You’ll earn 25 points per $1 spent at Shoppers Drug Mart, 20 points per $1 spent on PC Travel, 30 points per litre when you fuel up at Esso and Mobil gas stations, and 10 points per $1 spent everywhere else.

Disclaimer

Please note: All information about President’s Choice Financial Mastercard has been collected independently by Finder and this card is not available through this site.

President’s Choice Financial World Mastercard

Credit recommended (Unknown-) Read review

Unknown
Min. credit score

$0
Annual fee

6 months
0.97% intro transfer APR

Up to 35x
Points

• Info
• Pros & Cons
• Details

Get a low balance transfer rate of 0.97% for the first 6 months. You’ll earn 35 points per $1 spent at Shoppers Drug Mart, 20 points per $1 spent on PC Travel, 30 points per litre when you fuel up at Esso and Mobil gas stations, and 10 points per $1 elsewhere. Once you earn 10,000 points, you can exchange them for $10 worth of merchandise and groceries in-person or online at participating stores.

• Annual fee. The President’s Choice Financial World Mastercard has a $0 annual fee.
• Earn rewards. You’ll earn 35 points per $1 spent at Shoppers Drug Mart, 20 points per $1 spent on PC Travel, 30 points per litre when you fuel up at Esso and Mobil gas stations, and 10 points per $1 elsewhere. Once you earn 10,000 points, you can exchange them for $10 worth of merchandise and groceries in-person or online at participating stores.
• Balance transfer. This card comes with a low balance transfer rate of 0.97% for the first 6 months.
• Card replacement. Get an emergency cash advance or a replacement card if you lose or misplace your card while travelling.

• Minimum income requirement. You'll need to earn $60,000 (or have a household income of at least $100,000).
• Interest rate. You'll pay a purchase interest rate of 20.97% with this card.
• Limited additional benefits. There are no additional benefits like travel medical or roadside assistance on offer with this card.

Annual fee	$0
Purchase APR	20.97%
Balance transfer APR	0.97% intro for the first 6 months (then 22.97% )
Balance transfer fee
Rewards	You’ll earn 35 points per $1 spent at Shoppers Drug Mart, 20 points per $1 spent on PC Travel, 30 points per litre when you fuel up at Esso and Mobil gas stations, and 10 points per $1 elsewhere. Once you earn 10,000 points, you can exchange them for $10 worth of merchandise and groceries in-person or online at participating stores.

Disclaimer

Please note: All information about President’s Choice Financial World Mastercard has been collected independently by Finder and this card is not available through this site.

President’s Choice Financial World Elite Mastercard

Credit recommended (Unknown-) Read review

Unknown
Min. credit score

$0
Annual fee

6 months
0.97% intro transfer APR

Up to 45x
Points

• Info
• Pros & Cons
• Details

Get a low balance transfer rate of 0.97% for the first 6 months. You’ll earn 45 points per $1 spent at Shoppers Drug Mart, 30 points per $1 spent on PC Travel, 30 points per litre when you fuel up at Esso and Mobil gas stations, and 10 points per $1 elsewhere. Once you earn 10,000 points, you can exchange them for $10 worth of merchandise and groceries in-person or online at participating stores.

• Annual fee. The President’s Choice Financial World Elite Mastercard has a $0 annual fee.
• Earn rewards. You’ll earn 45 points per $1 spent at Shoppers Drug Mart, 30 points per $1 spent on PC Travel, 30 points per litre when you fuel up at Esso and Mobil gas stations, and 10 points per $1 elsewhere. Once you earn 10,000 points, you can exchange them for $10 worth of merchandise and groceries in-person or online at participating stores.
• Balance transfer. This card comes with a low balance transfer rate of 0.97% for the first 6 months.
• Card replacement. Get an emergency cash advance or a replacement card if you lose or misplace your card while travelling.

• Minimum income requirement. You'll need to earn $80,000 (or have a household income of at least $150,000).
• Interest rate. You'll pay a purchase interest rate of 21.99% with this card.
• 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%
Balance transfer APR	0.97% intro for the first 6 months (then 22.97% )
Balance transfer fee
Rewards	You’ll earn 45 points per $1 spent at Shoppers Drug Mart, 30 points per $1 spent on PC Travel, 30 points per litre when you fuel up at Esso and Mobil gas stations, and 10 points per $1 elsewhere. Once you earn 10,000 points, you can exchange them for $10 worth of merchandise and groceries in-person or online at participating stores.

Disclaimer

Please note: All information about President’s Choice Financial 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 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.

• 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 three different credit cards that all have no annual fee and the chance to earn Optimum Points for every dollar spent. Choosing the right one for you will depend on your annual income, since you’ll be required to earn at least $60,000 to get the PC World Mastercard and at least $80,000 to get the PC World Elite Mastercard.

Frequently asked questions about PC Financial credit cards

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

• How do I activate my PC Financial credit card?

  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.

• How do I access PC Financial Online Banking?

  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.

• How is interest calculated on my PC Financial credit card?

  If you have a balance on your PC Financial credit card, interest will be calculated daily and charged monthly.

• How do I check my monthly statement?

  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.

• How can I increase my PC Financial credit card limit?

  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.

• My PC Financial credit card is about to expire. How do I get a new one?

  You will automatically be sent a new credit card in the mail.

• What other products does PC Financial offer?

  PC Financial offer the PC Money Account – a no monthly fee bank account that lets you earn Optimum Points everywhere you shop.