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
| Annual Fee | Interest Rate | Balance Transfer | Cash Advance | Credit Score Fair: -- I've had a credit card, or loan for 1+ years. For the last 2+ years I've paid back debts to creditors (with no defaults). I haven't missed more than two payments on my credit in the last 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! |
|---|---|---|---|---|---|
| $0.00 | 19.97% *(This rate will increase to 20.97% for interest calculations as of May 2020 statements.) | 0.97% *22.97% after 6 months | 22.97% | Fair | 1.00% *Equivalent value in PC Optimum points |
Annual Fee
Interest Rate
Balance Transfer
Cash Advance
$0.00
19.97% *(This rate will increase to 20.97% for interest calculations as of May 2020 statements.)
0.97% *22.97% after 6 months
22.97%
Fair
1.00% *Equivalent value in PC Optimum points
Card Details
- 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
Legal Details
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, 2020 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.
®/™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 details
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