President’s Choice Financial® Mastercard®
Get a $100 e-gift card when you activate your card!
President’s Choice Financial® Mastercard®
Earn 25 PC Optimum points6 for every $1 spent at Shoppers Drug Mart®*
Credit Score Good: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
Rewards Are all rewards created equal? From points, to miles, to cash back – how do you know how much you’re really getting? To help you find the best rewards card, we’ve created the Your Reward Return, an estimate on the dollar value of your rewards based on your monthly spend so that you can compare like for like. Now that’s wise thinking!
0.97% *22.97% after 6 months
1.00% *Equivalent value in PC Optimum points
- *Earn 10 PC Optimum points6 for every $1 spent at Shoppers Drug Mart®, in addition to the base 15 points all PC Optimum members earn
- Earn 10 PC Optimum points for every $1 spent, everywhere you shop
- New cardholders enjoy a low balance transfer rate of 0.97% for 6 months5
- NO annual fee
Features and Benefits
- Purchase protection and extended warranty
1PC Optimum points will be awarded within 4-6 weeks of purchase. Minimum redemption is 10,000 points (worth $10 in rewards) at participating stores. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
2Visit pcoptimum.ca for details on participating stores where the PC Optimum program is offered.
3Earn 3 cents per purchased litre of Esso Supreme (Octane 91) and Esso SUPREME+ (Octane 93) gasoline only. Earn 2 cents per purchased litre on other gasoline or diesel. Cents per litre is payable in PC Optimum points when you use your President's Choice Financial World Elite Mastercard® at Esso stations in Canada. 2 cents per litre amounts to 20 PC Optimum points. 3 cents per litre amounts to 30 PC Optimum points.
4Earn 2 cents per purchased litre of gasoline or diesel, payable in PC Optimum points when you use your President's Choice Financial Mastercard® or President's Choice Financial World Mastercard® at Esso stations in Canada. 2 cents per litre amounts to 20 PC Optimum points.
5Get a bonus 10 PC Optimum points per dollar of your PC travel services purchase (taxes included) charged to your President's Choice Financial Mastercard® or President's Choice Financial World Mastercard® and 20 bonus PC Optimum points per dollar charged to your President's Choice Financial World Elite Mastercard®, in addition to the regular 10 PC Optimum points per dollar earned for all purchases on these cards. Bonus PC Optimum points will be shown as "PC Travel Bonus Rewards" on your PC Optimum points statement. Account must be in good standing. Offer subject to change. PC travel services are provided by 8742995 Canada Inc. doing business as Travel Nation Canada. President's Choice Bank and its related companies are not affiliated with Travel Nation Canada and are not responsible for delivery of the services or liable in connection therewith.
6All PC Optimum members earn 15 points per dollar of eligible purchases at Shoppers Drug Mart. When you use a President's Choice Financial Mastercard® you will also earn PC Optimum points for all Shoppers Drug Mart purchases charged to the credit card as follows: with the standard PC Financial Mastercard®, 10 points per dollar; with the PC Financial World Mastercard®, 20 points per dollar; with the PC Financial World Elite Mastercard®, 30 points per dollar.
7Balance Transfers for new accounts: You must apply by December 31, 2019 in order to be eligible for the current promotional balance transfer offer of a 0.97% interest rate for 6 months. Offer is available to eligible new customers only, within 90 days of your President's Choice Financial® Mastercard® account ("Account") approval. This offer may be changed, extended or cancelled without notice. Promotional interest rate is annual and applies, unless your Account is in default, only to the transferred amount for 6 months after the transaction date, after which the cash advance interest rate applicable to your Account applies to any remaining balance until the balance is paid in full, unless your Account is in default. Balance transfers are treated like cash advances and interest is charged from the date the transfer occurs, which may be up to 30 business days from your activation of the Account. Continue making your minimum payments on accounts from which you are transferring until the balance transfer amounts are credited to those accounts in order to avoid late charges and penalties. If the total amount to be transferred is more than your available credit limit, President's Choice® Bank ("PC® Bank") may send your creditors either full or partial payment up to the amount of your available credit limit. PC® Bank reserves the right to limit the number and amount of balance transfers and to decline them for any reason. Balances from other President's Choice Financial® accounts are not eligible to be transferred. Stop payments are not allowed. PC Optimum points are not earned on balance transfers unless otherwise specified. Please refer to your Cardholder Agreement and Card Carrier disclosures for further information.
®/MD Shoppers Drug Mart is a registered trademark of 911979 Alberta Ltd., used under license.
Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee.
‡President's Choice Financial Mastercard® is provided by President's Choice Bank.
Rate, product information and rewards estimate are subject to change at any time and does not constitute financial advice. Please contact supplier for complete detailsApply Online