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President’s Choice Financial® MasterCard®

Activate your card and you'll get a $75 gift card and up to 20,000 PC points.*

President’s Choice Financial® MasterCard®

Earn 10 PC Points on every $1 spent

Our Rating:
Annual Fee Interest Rate Balance Transfer Cash Advance 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, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
$0.00 19.97% 0.97% *22.97% after 6 months 22.97% Good 1.00% *Equivalent value in PC points
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Card Details

  • Use your President's Choice Financial MasterCard for your everyday shopping and you'll earn PC points toward free groceries and more**. The more you use your card, the more PC points you'll earn!

  • Earn 10 PC points for every $1 spent, everywhere you shop1

  • Save money with no annual fee

  • New cardholders enjoy a low balance transfer rate of 0.97% for 6 months2

*Apply online and when you receive your PC Financial MasterCard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial MasterCard and redeem each coupon or offer to receive 5,000 PC points with any purchase at the checkout in participating grocery stores where President's Choice products are sold. See coupons for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard account and may be terminated or changed at any time without notice.

**Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pc.ca for details.

1Earn a minimum of 10 PC points per dollar on all of your purchases charged to the credit card. Any bonus PC points offers available to all PC Financial MasterCard customers are calculated based on the regular earnings rate of 10 PC points per dollar spent. This offer may be terminated or changed at any time.

2Balance Transfers for new accounts: You must apply by December 31, 2016 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 points are not earned on balance transfers unless otherwise specified. Please refer to your Cardholder Agreement and Card Carrier disclosures for further information.

® PC, President's Choice, PC Financial, President's Choice Financial are trademarks of Loblaws Inc. Trademarks used under license.

®/TM MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. President's Choice Bank is a licensee of the marks. All other trademarks are property of their respective owners.

President's Choice Financial MasterCard is provided by President's Choice Bank. The loyalty program is provided by President's Choice Services Inc.


Features and Benefits

  • Purchase protection and extended warranty

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Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

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