PC Financial® Mastercard®

Welcome Bonus

100,000 bonus points


Annual Fee


Annual Rewards

10pts – 45pts / dollar earn rate


Rewards on Approval


Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

The PC Financial® Mastercard® is a versatile credit card offered by President's Choice Financial, designed to provide users with flexible financial solutions, including rewards, no annual fees, and convenient online account management.


  • No annual fee
  • Ability to earn PC Optimum points on purchases
  • Zero fraud liability protection
  • Purchase assurance and extended warranty coverage
  • Convenient online account management


  • Rewards are limited to PC Optimum points
  • May not offer as many perks or benefits as some premium credit cards
  • Interest rates can be higher for those who carry a balance
  • Availability limited to Canada
  • May not be suitable for frequent travelers due to limited travel rewards

Details & Eligibility

  • 500 - 679
  • N/A
  • N/A
  • $0
  • N/A
  • Mastercard
  • No
  • 21.99%
  • 22.97%
  • 22.97%
  • N/A
  • N/A
  • N/A
President’s Choice Financial, a subsidiary of Loblaw Companies Limited, offers the PC Financial® Mastercard® to cater to the diverse financial needs of its customers. With its no annual fee structure and a range of benefits, this credit card is a popular choice for those seeking simplicity and value. The PC Financial® Mastercard® provides users with flexibility in managing their finances, allowing them to earn PC Optimum points on every purchase. These points can be redeemed towards a variety of rewards, including groceries, merchandise, and travel expenses, providing cardholders with tangible benefits for their everyday spending. In addition to its rewards program, the PC Financial® Mastercard® offers features such as zero fraud liability protection, purchase assurance, and extended warranty coverage, providing cardholders with peace of mind when making purchases both online and in-store. With its easy-to-use online account management tools, cardholders can conveniently monitor their spending, make payments, and track their rewards points from anywhere at any time. This accessibility enhances the overall user experience, making it simple for individuals to stay on top of their finances. Whether users are looking to earn rewards on their everyday purchases, enjoy added security features, or streamline their financial management, the PC Financial® Mastercard® offers a comprehensive solution to meet their needs.