Back upCredit CardsPC® Mastercard®PC Insiders™ World Elite Mastercard®Compare credit cardsBank AccountPC Money™ AccountFund Days ContestCompanyAbout UsPC OptimumDigital BankingCareersHelpFAQsBlogLearning HubRefer a FriendFind an ATMContact UsFRMenuSee eligibility requirementsEligibility requirementsPC® Silver Mastercard®Subject to credit approval and other eligibility criteria.PC® World Mastercard®Personal income of $50,000/year minimum or household income of $80,000/year minimum before tax. Subject to credit approval and other eligibility criteria.PC® World Elite Mastercard®Personal income of $80,000/year minimum or household income of $150,000/year minimum before tax. Subject to credit approval and other eligibility criteria.Credit CardNo annual fee PC® Mastercard®Earn everywhere with no limitsThe no annual fee PC® Mastercard® gets you at least 1% back in points everywhere. There’s no limit to your points earning potential. Can your cashback card do that?Welcome OfferEnjoy 20,000 bonus PC Optimum™ points**with the no annual fee PC® Mastercard®.Offer details20,000 bonus PC Optimum™ points** welcome offer:Earn20,000 points**when you apply for the no annual fee PC® Mastercard® and make your first purchase with your new card.See terms and conditions** for details.Make the most from your award-winning§ credit cardNo annual feeFree additional cardholders$0Purchase interest rate (standard)721.99%Cash advance interest rate (standard)722.97%21.97% (Quebec)One application matches you with the right no annual fee PC® Mastercard® based on your eligibilityPC® Mastercard®PC® Mastercard®PC® World Mastercard®PC® World Elite® Mastercard®PC® Mastercard®EligibilitySubject to credit approval and other eligibility criteria.You can earn:1% back* in points at our grocery stores1. iAt least 3¢ / litre back in points at Esso™ and Mobil™ stations3.2.5% back in points at Shoppers Drug Mart® and Pharmaprix®2.1% back in points at Joe Fresh®*.1% back in points on dining, transit, and everywhere else*.Core benefits11Mastercard Global ServiceTM4Purchase Assurance5Extended Warranty5PC® Mastercard®EligibilitySubject to credit approval and other eligibility criteria.You can earn:1% back* in points at our grocery stores1. iAt least 3¢ / litre back in points at Esso™ and Mobil™ stations3.2.5% back in points at Shoppers Drug Mart® and Pharmaprix®2.1% back in points at Joe Fresh®*.1% back in points on dining, transit, and everywhere else*.Core benefits11Mastercard Global ServiceTM4Purchase Assurance5Extended Warranty5PC® World Mastercard®EligibilityMinimum $50,000 (personal) or $80,000 (household) annual income required. Subject to credit approval and other eligibility criteria.You can earn:2% back* in points at our grocery stores1. iAt least 3¢ / litre back in points at Esso™ and Mobil™ stations3.3.5% back in points at Shoppers Drug Mart® and Pharmaprix®2.2% back in points at Joe Fresh®*.1% back in points on dining, transit, and everywhere else*.Core benefits11Mastercard Global ServiceTM4Purchase Assurance5Extended Warranty5Additional benefitsConcierge Services8PC® World Elite® Mastercard®EligibilityMinimum $80,000 (personal) or $150,000 (household) annual income required. Subject to credit approval and other eligibility criteria.You can earn:3% back* in points at our grocery stores1. iAt least 3¢ / litre back in points at Esso™ and Mobil™ stations3.4.5% back in points at Shoppers Drug Mart® and Pharmaprix®2.3% back in points at Joe Fresh®*.1% back in points on dining, transit, and everywhere else*.Core benefits11Mastercard Global ServiceTM4Purchase Assurance5Extended Warranty5Additional benefitsConcierge Services6Travel Emergency Medical Insurance6Identity Theft Assistance Service6Car Rental Collision/Loss Damage Waiver Insurance6Like cashback, without the catchesEarn points everywhere you shop.Earn PC Optimum™ points on every dollar you spend; that’s at least 1% back in points* including dining, gym memberships, subscriptions, and everything else you purchase.Unlimited points that don't expire.Good news! Your PC Optimum™ points don’t expire, and there are no limits on how many points you can earn. So, you can keep earning on everything you buy, whenever you want — with no catches.Earn up to $750 every year.†From grocery, fuel, and beauty to everyday purchases, you’ll get valuable rewards whenever and wherever you use your card.Convenient rewards on your terms.You don’t have to wait for your next statement to cash in. Redeem your PC Optimum™ points anytime at checkouts across Canada and get $10 in value for every 10,000 points.1Insurance coverage available for your PC® Mastercard®Help protect your PC® Mastercard® with the Payment Support Plan (“PSP”), an optional insurance plan, that helps cover your credit card balance during difficult times.Learn moreRest easy knowing your information is secureFraud detectionPC Financial® uses best-in-class fraud detection tools right from the start of your application. We provide fraud monitoring to our customers on their transactions and have a dedicated team of fraud specialists to support our customers.128-bit Data encryptionEncryption scrambles all information between your personal computer and the secured areas of our website and ensures one of the highest levels of security, privacy, and confidentiality.Proactive monitoringPC Financial® also offers optional products that can help you proactively monitor, manage and protect your valuable credit and personal information.Frequently asked questions.What is the PC Financial® Mastercard®?A PC® Mastercard® is a credit card issued by President's Choice Bank. It allows you to make purchases conveniently and securely, both online and in-store, while earning valuable PC Optimum™ points on everyday spending with no caps for earning points. Points can be redeemed at participating locations or participating websites1.What are the differences between the three No Annual Fee PC® Mastercard® credit cards?President's Choice Financial offers a range of no annual fee credit cards that offer value for everyday spending with no limits on points earning. Here's a quick look at each credit card:PC® Mastercard®: The no annual fee card that rewards you with 1% back in points when you shop* and 2.5% back in points at Shoppers Drug Mart® stores2.PC® World Mastercard®: Offers no annual fee, 3.5% back in points at Shoppers Drug Mart® stores2 and 2% back in points* at participating grocery stores1.PC® World Elite® Mastercard®: Offers no annual fee, 4.5% back in points at Shoppers Drug Mart® stores2 and 3% back in points* at participating grocery stores1.Plus, earn at least 3¢ / litre back in points on gas at Esso™ and Mobil™ stations in Canada3.Apply for our no annual fee PC® Mastercard® and we’ll match you to the best credit card based on your eligibility.More FAQsScan, pay and earn points.Earn more PC Optimum™ points when you scan and pay with your PC® Mastercard®.Want to earn even more points?Apply for the PC Insiders™ World Elite® Mastercard® to earn more PC Optimum™ points on everyday purchases9 and enjoy unlimited $0 online grocery delivery and pickup on eligible orders10.Learn moreLegal StuffOpens in a new tabAbout UsContact UsFAQsBlogMedia CentreCareersSecurity and FraudCDIC MemberLegal & PrivacyWebsite Terms of UseAccessibilityPC MastercardFrançaisPresident's Choice Financial Mastercard is provided by President's Choice Bank. PC Optimum program is provided by President’s Choice Services Inc., Log in to your online PC Financial account. Don’t have an account? You can sign up for one today!, Log in to your online PC Financial account. Don’t have an account? You can sign up for one today!.