The President's Choice Financial MasterCard is a basic no-fee credit card that is ideal for families and individuals who frequent stores where President's Choice products are sold, including Joe Fresh, Loblaws, Real Canadian Superstore, and more. It's a good way to get the most out of your weekly grocery run but may not be the best choice if you want to carry a balance or use your rewards for cash back or travel.
Easy application -With no annual fee and no minimum income requirement, this credit card appeals to young families.
Decent return - For a no-fee card, it gives you a good return when you shop at affiliated stores.
Transparent reward system -?The no-nonsense reward system makes it easy for you to calculate your potential rewards.
Free additional cards - Get up to four free additional cards that you can link to your account to help boost your points.
Purchase benefits - This credit card gives free purchase assurance in the first 90 days and doubles the manufacturer?s regular warranty for up to an additional year
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PC Financial Mastercard Review
Use your PC Financial Mastercard everywhere you shop to earn PC Optimum points towards free rewards In Loblaws stores 10 PC Points per $13 Bonus of 2 cents per litre in PC points at Esso 20 PC Points per $1 at PC Travel Everywhere else 10 PC Points per $1 20 PC Points per $1 for PC Mobile Montlhy service
Interest Rate: 19.97%
Balance transfer: 0.97%
Cash advance: $3.50 inside Canada, $5 outside Canada, plus 22.97% interest on overdue amounts
Foreign transaction: 2.5% per transaction
Missed or late payments: increased interest rates to 25.97% on all purchases and 27.97% on cash advances after two missed minimum payments
Over limit: $29
Returned payment: $42
Rewards: Earn PC points on every purchase, including extra points at Shoppers Drug Mart/Pharmaprix, Esso, PC Travel and Mobil. Points can be redeemed at Loblaws, No Frills, PC Travel and Shoppers Drug Mart/Pharmaprix. Ten dollars is equal to 10,000 PC points.
0.99% introductory interest rate on Cash Advances for the first 6 months
The Scotia Value Visa is aimed at individuals looking for a good balance transfer credit that offers decent privileges and a lower interest rate beyond the introductory promo period. Although it comes with a minimal fee, customers who cannot pay their balance in full can take advantage of the low post-promotional rate of 12.99%. Plus, if you regularly rent cars from Avis, then you might get the best value out of this card.
Why We Like It:
Save on car rentals -Save up to 25% when you use the Scotia Value Visa to book your rental cars with AVIS and other budget rental car locations in Canada.
Optional insurance coverage - For a small fee, depending on the remaining balance on your credit card, you can receive financial protection from a range of life events such as job loss, disability, critical illness, and loss of life.
Faster checkout -The payWave feature helps you save time by allowing you to simply wave the card or use the app on your mobile phone to pay for small purchases.
Free supplement card - Get an additional supplementary cardholder at no extra charge.
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Scotiabank Value® Visa* Card review
Great reasons to get this card for your everyday purchases
Save up to hundreds of dollars a year on interest
Pay down higher interest rates balances faster
Stay one step ahead of your balance a lower interest rate makes this card an affordable way to finance those medium to large purchases you are making.
Transfer higher rate balances and save even more
Switch balances over from higher interest-rate credit cards to the?Scotiabank Value?Visa Credit Card. By consolidating your higher-rate balances, you'll save on interest and make paying bills easier.