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With the PC Financial credit cards below, you can earn and save on everyday purchases such as groceries and toiletries. The PC Optimum program is a great way to earn PC points.
As a PC Optimum loyalty member, you can earn on everyday purchases with PC partner merchants, such as Loblaws, Shoppers Drug Mart, Joe Fresh and many more.
Rewards
Features
Eligibility
The PC Financial Mastercard does not have a minimum individual or household income required.
If you would like to learn more about the pros and cons of this credit card, read our complete PC Financial Mastercard Review.
This card is an enhanced version of the President's Choice Financial MasterCard with a higher earn rate at Shoppers Drug Mart along with additional features.
Rewards
Features
Eligibility
A minimum annual personal income of $60,000 or household income of $100,000 is required for a new PC Financial World Mastercard.
If you would like to learn more about the pros and cons of this credit card, read our complete President’s Choice Financial World Mastercard Review.
This credit card is PC Financial’s best credit card with many World Elite features and benefits and no annual fee.
The PC Financial World Elite Mastercard
Rewards
Features
Eligibility
A minimum annual personal income of $80,000 or household income of $150,000 is required for a new PC Financial® World Elite Mastercard®.
If you would like to learn more about the pros and cons of this credit card, read our complete PC Financial World Elite Mastercard Review.
PC Optimum points value
Once you earn 10,000 points you can redeem for up to $10 worth of free products and groceries at any participating stores or online at Beautyboutique.ca, JoeFresh.ca and PC Express websites.
Redeem PC Optimum Points
Your PC optimum points could be redeemed at thousands of retailers across Canada such as:
PC Mastercard app
You can download the PC mobile app to manage your account and keep track of your transactions and points everywhere through your mobile device (iPhone, Android device, iPad, or tablet).
Whether or not PC Financial Credit Cards are right for you depends on your personal preferences. For more information or to other a stronger understanding of the cards’benefits, compare PC Financial Mastercard today.
0.97% Promotional balance transfers for 6 months
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.
Interest Rate: 19.97%
Fees:
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.
At no annual fee, the President?s Choice Financial World Elite MasterCard lets you get the fastest points towards free groceries. It also comes with other great offers ? a travel emergency medical insurance of up to 10 days and car rental collision or loss damage waiver insurance. With these added benefits at zero yearly cost, we consider this the best credit card for travel insurance coverage.
Easy application -With no annual fee and no minimum income requirement, this credit card appeals to young families.Interest Rate: 19.97%
Fees:
The PC Financial Mastercard that has card rental insurance is the President’s Choice Financial World Elite Mastercard. This card offers Car Rental Collision/Loss Damage Waiver Insurance. It provides Collision damage and theft protection for your car rental needs. Read our review on the PC World Elite Mastercard here.
The credit score needed to get approved for a PC Mastercard credit card is between fair to good which means 680 to 750.
For the President’s Choice Financial World Elite Mastercard the credit score needed is good to excellent (700 to 850).
You can go to the PC Financial President's Choice website and apply online.
You can apply in person at participating supermarkets everywhere in Canada.
You can apply in person at participating locations with a President's Choice Financial pavilion or in-store representative.
PC financial offers travel emergency insurance but do not offer trip cancellation insurance. Please review the certificate of insurance for details.
Credit card issuers will determine your credit limit through a convoluted process called underwriting. The higher the credit limit, the more that the Credit card issuers indicate that it trusts a borrower to repay the debt. The credit limit will depend on your credit score and existing debts.
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based out of Toronto. He is a former financial services professional who worked for many years at major Canadian financial institutions where he managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor in Business Administration from the University of Quebec (Montreal) and a Master in International Business from the University of Sherbrooke (Quebec).He is also the author of the Canadian Credit Card Guidebook.