Overview of the PC® Mastercard®

PC® Mastercard®

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Earning categories

30 points/$1

On gas at Esso™ and Mobil™ stations in Canada*

25 points/$1

On every $1 spent at Shoppers Drug Mart® stores*

10 points/$1

On every $1 spent everywhere you shop*

PC® Mastercard® details

Welcome bonus: earn an offer of 20,000 bonus PC Optimum™ points to kickstart your rewards journey*
Annual fee: $0
Reward: Earn 30x points on gas at Esso™ and Mobil™ stations in Canada* , 25x points on every $1 spent at Shoppers Drug Mart® stores* , 10x points on every $1 spent everywhere you shop*
Average point value: $0.001
Purchase interest rate: 21.99%
Cash advance interest rate: 22.97%
Balance transfer interest rate: N/A
Minimum income: Any amount
Household income: Any amount
Recommended credit score: 560+
Network: Mastercard
Provider: President's Choice Financial
Card type: Store credit

Welcome bonus
20,000 points
$20 value

Annual fee
$0

Purchase interest: 21.99%
Cash advance: 22.97%
Balance transfer: N/A

Credit recommended: 560+
Min. income: N/A

Detailed card summary

Benefits & features

Extended warranty
Purchase assurance

Mastercard Global Service™
Award-winning, no annual fee credit card
Earn at least 3 cents per litre in PC Optimum™ points on gas at Esso™ and Mobil™ stations
Earn at least 30 points per litre on gas at at Esso™ and Mobil™ stations
Earn 25 PC Optimum™ points per $1 spent at Shoppers Drug Mart^®stores
Earn 10 PC Optimum™ points for every $1 spent everywhere you shop
No limits on points earning and points don’t expire
Welcome offer of 20,000 bonus PC Optimum™ points to kickstart your rewards journey

How to redeem

How to get approved

Ratehub review

Natasha Macmillan

October 23, 2024

The PC Mastercard is a great option if you want to earn rewards on one of the most common expenses – groceries. Especially if you frequently shop at affiliated stores like Loblaws, No Frills or Shoppers Drug Mart.

Pros:

Accessible to all: No annual fee and no income requirements, making it accessible to a wider range of customers
Abundant earning opportunities: Loblaw is one of Canada’s largest retailers, so there’s no shortage of opportunities to earn and redeem points
Unlimited points earnings: Your Optimum points earnings isn’t limited to monthly or annual amounts like with other cards

Cons:

Redemptions are restricted: You can’t redeem your points for things like statement credits, you are limited to redeeming for gas or groceries at affiliated stores

Legal

*Terms and conditions apply to all offers and benefits. President’s Choice Financial^® Mastercard^® is provided by President’s Choice Bank. President’s Choice Bank is not responsible for maintaining or monitoring the content on this website. To the extent of any inconsistency with information at the provider’s site, the terms at the provider’s site shall prevail. For full details and current product information click on the “go to site” button
^®/^TM PC, PC Financial, PC Optimum are registered 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.
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^TM is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial oil, licensee.
President’s Choice Financial^® Mastercard^® is provided by President’s Choice Bank.
The PC Optimum^TM program is provided by President’s Choice Services Inc.