Compare PC Financial Credit Cards in Canada

PC Financial Mastercards

Using a PC Financial Mastercard is advantageous because you’ll earn points at a much faster rate and have more opportunities to earn. With one of the PC credit cards, you can earn points on all purchases, not only with partner merchants.

Below are the three PC Financial Mastercard credit cards offered and their respective earning rates. Remember, none of these credit cards have an annual fee.

PC Financial Mastercard. Earn 10 points per dollar spent at partner grocery stores, 25 points per dollar spent at Shoppers Drug Mart, 30 points per litre at Esso and Mobil, 20 Points per dollar spent on PC Travel and 10 points per dollar spent everywhere else.

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

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

The PC Financial Mastercard does not have a minimum individual or household income required

President’s Choice Financial^® World Mastercard^®




PC Financial World Mastercard. Earn 20 points per dollar spent at partner grocery stores, 35 points per dollar spent at Shoppers Drug Mart, 30 points per litre at Esso and Mobil, 20 points per dollar spent at PC Travel and 10 points per dollar spent everywhere else.

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

 
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

A minimum annual personal income of $60,000 or household income of $100,000 is required for a new PC Financial World Mastercard.



President’s Choice Financial^® World Elite Mastercard^® 

PC Financial World Elite Mastercard. Earn 30 points per dollar spent at partner grocery stores, 45 points per dollar spent at Shoppers Drug Mart, 30 points per litre at Esso and Mobil, 30 points per dollar spent on PC Travel and 10 points per dollar spent everywhere else.

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

 
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

A minimum annual personal income of $80,000 or household income of $150,000 is required for a new PC Financial® World Elite Mastercard®.

Keep in mind that your PC Optimum loyalty program membership will be linked to your PC Financial Mastercard. This means you can’t “double dip” points by scanning your PC Optimum loyalty card and paying with your PC Financial Mastercard. However, PC Financial Mastercard users still earn more PC Optimum points than a regular loyalty program member would.