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President’s Choice Financial Mastercard review
Earn a decent return on PC Optimum points when you shop at reputable brand-name stores with this fee-free credit card.
Earn a high number of points for shopping at stores like Loblaws, No Frills, Superstore and Shoppers Drug Mart.
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$0
Annual Fee
Up to 30 points per $1 spent
Rewards
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.
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 10 points per dollar at select PC brand-name stores along with 25 points at Shoppers Drug Mart and 20 points on PC Travel. You can also earn another 30 points per litre when you fuel up at Esso and Mobil gas stations.
30-second take
- Think about this card if you want to earn more PC Optimum points and you don’t want to pay an annual fee.
- Choose something else if you want low interest or comprehensive benefits.
- There’s no minimum income requirements needed to qualify for this card.
The basics
If you shop regularly at participating PC brand-name stores and you want to earn a decent return on PC Optimum points, you might like to check out the President’s Choice Financial Mastercard.
- No annual fee. There’s no annual fee to maintain this card.
- Decent return. Earn a high number of points for shopping at stores like Loblaws, No Frills, Superstore and Shoppers Drug Mart.
- Purchase protection. Rest easy knowing that the purchases you make on your card are protected with purchase assurance and extended warranty coverage.
The perks
- Optional balance protection. Pay an extra fee to cover your minimum payments in the event you can’t pay your outstanding balance due to an emergency.
- Zero Liability insurance. Avoid paying for fraudulent activity on your account with Zero Liability insurance.
- Travel services. Get an emergency cash advance or a replacement card if you lose or misplace your card while travelling.
- Many additional users. Add up to four free cards on your account for no additional fee so you can earn points faster.
- Easy to qualify. You won’t have to meet any minimum income requirements to qualify for this card.
What to watch out for
- High interest. You’ll pay 20.97% interest on outstanding balances and 22.97% on cash advances.
- No rewards. You won’t be able to exchange points for travel, merchandise or other rewards.
- Few benefits. There are no additional benefits like travel medical or roadside assistance on offer with this card.
President’s Choice Financial Mastercard interest rates
| Interest Type | Interest Rate |
|---|---|
| Purchase interest rate | 20.97% |
| Cash advance rate | 22.97% |
| Standard balance transfer rate | 22.97% |
What should I know before I apply
How to apply
- Head to the President’s Choice Financial website to begin your application.
- Complete the application, which includes providing your name, email address, social insurance number and birth date.
- Review and submit your application.
Compare other credit cards
Bottom line
If you shop regularly at PC brand-name stores and you want a fee-free card that will let you accelerate the number of PC Optimum points you earn, you might like to check out the President’s Choice Financial Mastercard. This card comes with a low balance transfer rate and basic insurance for no annual fee.
