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3 PC Financial Mastercards Reviewed: All you need to know
President’s Choice Financial Mastercard Review
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. 
- Annual Fee: $0
- Additional Card Fee: $0
- Purchases Interest Rate:19.97%
- Cash Advance Interest Rate:22.97%
- Balance transfer rate:0.97% for 6 months
Rewards
- 25 points per $1 at Shoppers Drug Mart and Pharmaprix
- 30 points per litre at Esso and Mobil gas stations
- 20 points per $1 at PC Travel
- 10 points per $1 everywhere else
Features
- Free Purchase Assurance: In the event of theft, loss or damage
- Free Extended Warranty: Doubles the manufacturer’s regular warranty for up to an additional year
- Authorized users: Add up to four free additional cards on your account
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.
President’s Choice Financial World 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.
- Annual Fee: $0
- Additional Card Fee: $0
- Purchases Interest Rate:19.97%
- Cash Advance Interest Rate:22.97%
- Balance transfer rate:0.97% for 6 months
Rewards
- 35 points per $1 at Shoppers Drug Mart and Pharmaprix
- 30 points per litre at Esso and Mobil gas stations
- 20 points per $1 at PC Travel
- 10 points per $1 everywhere else
Features
- Concierge service:24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more
- Free Purchase Assurance: In the event of theft, loss or damage
- Free Extended Warranty: Doubles the manufacturer’s regular warranty for up to an additional year
- Authorized users: Add up to four free additional cards on your account
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.
PC Financial World Elite 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
- Annual Fee: $0
- Additional Card Fee: $0
- Purchases Interest Rate:19.97%
- Cash Advance Interest Rate:22.97%
- Balance transfer rate:0.97% for 6 months
Rewards
- 45 points per $1 at Shoppers Drug Mart and Pharmaprix
- 30 points per litre at Esso and Mobil gas stations
- 30 points per $1 at PC Travel
- 10 points per $1 everywhere else
Features
- Concierge service:24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more
- Travel Emergency Medical Insurance
- Car Rental Collision/Loss Damage Waiver Insurance
- Free Purchase Assurance: In the event of theft, loss or damage
- Free Extended Warranty: Doubles the manufacturer’s regular warranty for up to an additional year
- Identity Theft Assistant Service: To help you avoid identity theft or restore your identity.
- Authorized users: Add up to four free additional cards on your account
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:
- Shoppers Drug Mart
- Loblaws
- No Frills
- Real Canadian Superstore
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.
Our experts have compiled a list of the best cards in Canada in each major category, from cash back and low rate to balance transfers and more. Explore our top picks and find the best credit card for you.
