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President’s Choice Financial® World Elite MasterCard®

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

President’s Choice Financial® World Elite MasterCard®

Earn 30 PC® points for every $1 spent at participating grocery stores where President's Choice® products are sold.1

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 3.00% *Up to 3.00% Equivalent value in PC points on select purchases
  • Card Details Details

Card Details


  • Earn 30 PC points for every $1 spent at participating grocery stores where President's Choice® products are sold1

  • Earn 30 PC points for every $1 spent at Shoppers Drug Mart® and PharmaprixMD

  • Bonus of up to 3 cents per litre in PC points at Esso stations2

  • Earn 30 PC points for every $1 spent on travel services at pctravel.ca3

  • Earn 30 PC points for every $1 spent on your monthly bill at PC® mobile4

  • Earn 10 PC points per $1 everywhere else

  • NO annual fee

  • New cardholders enjoy a low balance transfer rate of 0.97% for 6 months5

  • Plus premium benefits6

  • Please note: a minimum annual personal income of $80,000 or household income of $150,000 is required for this premium card.


*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.


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.


2Earn 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 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 points. 3 cents per litre amounts to 30 PC points.


3Get a bonus 10 PC 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 points per dollar charged to your President's Choice Financial World Elite MasterCard, in addition to the regular 10 PC points per dollar earned for all purchases on these card. Bonus PC points will be shown as "PC Travel Bonus Rewards" on your PC points statement. 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.


4As a President's Choice Financial World Elite MasterCard cardholder, you can earn PC points at an earning rate equal to 30 PC 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 points per $1 plus an extra 20 PC points per $1, of your PC mobile payment (taxes included) charged on your card(s) for a total of 30 PC points per $1. Allow up to 4 weeks for extra PC points to be awarded.


5Balance 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.


6Car Rental Collision/Loss Damage Waiver Insurance is underwritten by American Bankers Insurance Company of Florida (ABIC), and Travel Emergency Medical Insurance is underwritten by American Bankers Life Assurance Company of Florida (ABLAC). Concierge Services and Identity Theft Services are provided by Assurant Services Canada Inc. (ASCI). ABIC, ABLAC, ASCI and their subsidiaries and affiliates carry on business in Canada under the name Assurant Solutions®, a registered trademark of Assurant, Inc.


®/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.


®/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.

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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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