President’s Choice Financial® Mastercard®
President’s Choice Financial® Mastercard®
*Earn 10 PC Optimum points2 for every $1 spent at Shoppers Drug Mart®, in addition to the 15 points per dollar of eligible purchases that all PC Optimum member earn
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
- 20,000 PC Optimum points after your first purchase!*
- Earn 10 PC Optimum points for every $1 spent in Loblaw banner stores1 and 20 PC Optimum points for travel services at pctravel.ca4
- Earn 10 PC Optimum points for every $1 spent, everywhere you shop5
- New cardholders enjoy a low balance transfer rate of 0.97% for 6 months6
- NO annual fee
Features and Benefits
- Purchase protection and extended warranty
Minimum redemption is 10,000 PC points (worth $10 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 pcoptimum.ca for details.
*The standard welcome offer of 20,000 bonus PC Optimum points will be awarded to your account after your first purchase with your new card at participating stores where President's Choice® products are sold. No minimum purchase amount required. Purchase must be made with your President's Choice Financial Mastercard® within 6 months of account approval. Cannot be used with any other promotions or offers. Offer has no cash value. Allow 2-3 weeks from qualifying purchase for bonus PC Optimum points to be awarded. Offer is limited to one per new PC Financial Mastercard® account and may be terminated or changed at any time without notice.
1 Visit pcoptimum.ca for details on participating stores where the PC Optimum program is offered.
2 All PC Optimum members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart and Pharmaprix. When you use your President's Choice Financial Mastercard® you will earn additional points per dollar: 10 points per dollar for President's Choice Financial Mastercard® cardholders; 20 points per dollar for President's Choice Financial World Mastercard® cardholders; and 30 points per dollar for President's Choice Financial World Elite Mastercard® cardholders.
3Amount shown includes the points per litre available to all PC Optimum members, which may vary by province and location. Earn a total of at least 3 cents per purchased litre of gasoline or diesel fuel when you use your President's Choice Financial Mastercard® at Esso™ and Mobil™ stations in Canada. Cents per litre is payable in PC Optimum points. 3 cents per litre amounts to 30 PC Optimum points.
4Get 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 points per dollar charged to your President's Choice Financial World Elite Mastercard®, in addition to the regular 10 points per dollar earned for all purchases on these card. Bonus 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.
5 Earn a minimum of 10 PC Optimum points per dollar on all of your purchases charged to the credit card. Any bonus PC Optimum points offers available to all PC Financial Mastercard® customers are calculated based on the regular earnings rate of 10 PC Optimum points per dollar spent. This offer may be terminated or changed at any time.
6 You must apply by December 31, 2019 in order to be eligible for the promotional balance transfer offer of a 0.97% interest rate for six months. For current promotional rate and term, if any, after this date go to pcfinancial.ca or call 1 866 246 7262. The current promotional balance transfer offer is available to eligible new customers only, within 90 days of account approval. This offer may be changed, extended or cancelled without notice. Each balance transfer is posted to your account as a cash advance and interest will be charged from the day the balance transfer occurs. Promotional rate is annual, and unless your account is in default, the promotional rate applies from the transaction date for six months after which the cash advance interest rate (currently 22.97%, subject to change) applicable to your account at that time applies to any remaining balance until the balance is paid in full. If your account is in default, the default rate of interest applies to your entire outstanding account balance from the date of default.
®/™Trademarks used under licence.
®/MD Shoppers Drug Mart and Pharmaprix are registered trademarks of 911979 Alberta Ltd., used under license.
President's Choice Financial Mastercard® is provided by President's Choice Bank.
The PC Optimum program is provided by President's Choice Services Inc.
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