President’s Choice Financial® Mastercard®
Get a $100 e-gift card when you activate your card!
President’s Choice Financial® Mastercard®
Earn 10 PC Optimum points for every $1 spent, everywhere you shop
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!
0.97% *22.97% after 6 months
1.00% *Equivalent value in PC Optimum points
- Earn 25 PC Optimum points for every $1 spent at Shoppers Drug Mart® and PharmaprixMD
- Use your President's Choice Financial® Mastercard® for your everyday shopping and you'll earn PC Optimum points toward FREE groceries and more*
- Earn 10 PC Optimum points for every $1 spent, everywhere you shop
- No annual fee!
- New cardholders enjoy a low balance transfer rate of 0.97% for 6 months5
Features and Benefits
- Purchase protection and extended warranty
*Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards) and in increments of 10,000 points thereafter at participating stores. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list. 1 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 Optimum points. Use your PC Financial® Mastercard® and redeem each coupon or offer to receive 5,000 PC Optimum points with any purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC Optimum 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.
2 Earn 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.
3 Get a bonus 10 PC Optimum points. per dollar of your PCTM 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 card. Bonus PC Optimum points will be shown as "PC® Travel Bonus Rewards" on your PC Optimum points. Account must be in good standing. Offer subject to change. PCTM 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.
4 As a President's Choice Financial® Mastercard® cardholder, you can earn the regular 10 PC Optimum points per $1 charged to your eligible card when you use it to pay your PC® mobile monthly bill (excludes PC® mobile prepaid services). As a President's Choice Financial® World Elite Mastercard® cardholder, you can earn PC Optimum points at an earning rate equal to 30 PC Optimum points per $1 charged to your eligible card when you use it to pay your PC® mobile monthly bill (excludes PC® mobile prepaid services). You will earn the regular 10 PC Optimum points per $1, plus an extra 20 PC Optimum points per $1 of your PC® mobile payment (taxes included) charged on your card for a total of 30 PC Optimum points per $1. As a President's Choice Financial® World Mastercard® cardholder, you can earn PC Optimum points at an earning rate equal to 20 PC Optimum points per $1 charged to your eligible card(s) when you use it to pay your PC® mobile monthly bill (excludes PC® mobile prepaid services). You will earn the regular 10 PC Optimum points per $1 plus an extra 10 PC Optimum points per $1, of your PC® mobile payment (taxes included) charged on your card(s) for a total of 20 PC Optimum points per $1. Allow up to 4 weeks for extra PC Optimum points to be awarded. Subject to change.
5Balance Transfers for new accounts: You must apply by December 31, 2018 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.
All PC Optimum members earn 15 points per dollar at Shoppers Drug Mart® and PharmaprixMD. 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.
®/MD Shoppers Drug Mart and Pharmaprix are registered trademarks of 911979 Alberta Ltd., used under license.
Esso is a trademark of Imperial Oil Limited. Imperial Oil licensee.
®PC, President's Choice, PC Financial, President's Choice Financial are trademarks of Loblaws Inc. Trademarks used under license.
®Mastercard is a registered trademark, and the circles design is a trademark 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.
Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.Apply Online