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With the no annual fee PC Financial® Mastercard® you’ll earn at least 10 PC Optimum points on every dollar you spend, everywhere you shop. To get you started, earn 50,000 bonus PC Optimum™ points with a new PC® Mastercard® when you apply through the ‘Apply Now’ link below. That’s $50 in points.
Earn and redeem points towrads purchase
The PC Optimum program is a free loyalty program that lets members earn and redeem points towards purchases at participating stores, like No Frills®, Real Canadian  Superstore®, Loblaws®, and Shoppers Drug Mart®; it gives you access to bonus points offers; and, when you download the PC Optimum app or create an online account, also gives you points offers tailored just for you.

Earn up to 30 poins for every dollar one

Earn PC Optimum™ points fast with the no annual fee PC® Financial Mastercard®. Get on the fast track toward free groceries, beauty and more at participating stores.

Earn up to 30 points for every $1 spent at participating grocery stores, including No Frills®, Real Canadian Superstore® and Loblaws®*.

Earn at least 30 points for every litre of fuel purchased at Esso™ and Mobil™ gas stations in Canada – that’s at least 3 cents per litre in points*.

Earn a total of up to 45 points for every $1 spent at Shoppers Drug Mart®*.

Plus, earn 10 points for every $1 spent everywhere else.

All with no annual fee and no caps on points earning.

Mastercard Global Service

Plus, get even more from your credit card with these great features and benefits.

Mastercard Global Service™: Replaces your card or offers a cash advance in case of emergency.

Purchase Assurance: In the event of theft, loss or damage in the first 90 days when you pay in full with your PC® Mastercard® credit card.

Extended Warranty: Doubles the manufacturer’s regular warranty for up to an additional year on items purchased with your PC® Mastercard®.

*Conditions apply to all benefits. For full details, please visit

Text Box: Apply Now

Clicking the Apply Now button will take you to the PC Financial website.

Contact Us

Have questions about the PC® Mastercard®? Please contact President’s Choice Financial.

Contact the PC Financial® team


*See the PC Financial® website at for details, including terms and conditions. To the extent of any inconsistency, the information and terms at the PC Financial® website shall prevail.

President's Choice Bank is not responsible for maintaining the content on this site. Please click on the ‘Apply Now’ link for the most up to date information. Subject to credit approval.

®/TMPC, President's Choice, President's Choice Financial, PC Financial and PC Optimum are trademarks of Loblaws Inc. Trademarks used under licence. 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. Shoppers Drug Mart ® , Pharmaprix ®  and logos are trademarks of 911979 Alberta Ltd., used under license.  ®/TM Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Mobil is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial oil, licensee. The President’s Choice Financial® Mastercard® is provided by President’s Choice Bank. The PC Optimum™ loyalty program is provided by President's Choice Services Inc.

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