Best PC Financial Credit Cards in Canada

Credit Cards that are eligible for a promotional offer are marked throughout the comparison chart with a promotional offer icon such as or . Click this box to show only Credit Cards that contain free promotional offers. For gift card FAQs and Terms & Conditions click here.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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What type of rewards do you want to earn for every dollar you spend? Is cash back important to you? Would you prefer gift cards or store credit? What about free flights and hotels? Think about what's most important to you and what would help your budget the most, then look for the best cards to offer that reward. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. There are many different credit card reward programs available. If you have a preferred reward program, such as Aeroplan Miles, select your choice using the dropdown. Note that each card only uses one reward program. Enter the dollar amount you spend each month on your credit card. Edit your monthly spend by each spending category in the 'monthly spending by category' tab below.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you carry a balance on your credit card each month? This isn't how much you spend on your card, but how much you typically carry over into a new month. If so, write that amount here, so we can calculate how much interest you'll be charged.

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There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

Update results

Hit enter or click outside the box to refresh your results
Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. If you are currently carrying a balance on another credit card, you may want to take advantage of a balance transfer promotional offer with one of the credit cards listed below. Enter the amount you would transfer to the new card, to find out what the promotional interest rate and period are.

Update results

Hit enter or click outside the box to refresh your results
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account.
Monthly spending by category
Monthly spending by category
Credit card Purchase interest rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit Min. required income
19.99%
Cash advance 22.99%
$ 0 $12,000.00 $402 Get details
19.99%
Cash advance 24.99%
$ 0 $0.00 $190 Get details
19.99%
Cash advance 21.99%
$ 0 $12,000.00 $152 Get details
20.99%
Cash advance 22.99%
$ 150 $80,000.00 $370 Get details
30% $ 150 $0.00 $532 Get details
19.99%
Cash advance 24.99%
$ 120 $80,000.00 $371 Get details
19.99%
Cash advance 21.50%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $405 Get details
19.99%
Cash advance 22.99%
$ 120 $12,000.00 $915 Get details
19.99%
Cash advance 22.99%
$ 120 $60,000.00 $470 Get details
20.99%
Cash advance 22.99%
$ 120 $0.00 $357 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
20.99%
Cash advance 22.99%
$ 115 $60,000.00 $145 Get details
19.99%
Cash advance 22.99%
$ 120 $60,000.00 $582 Get details
19.9%
Cash advance 19.90%
$ 0 $0.00 $25 Get details
19.95%
Cash advance 19.95%
$ 0 $12,000.00 $243 Get details
19.99%
Cash advance 22.99%
$ 120 $60,000.00 $435 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
20.99%
Cash advance 22.99%
$ 30 $0.00 $231 Get details
19.9%
Cash advance 19.90%
$ 110 $0.00 $ Get details
30%
Cash advance 22.99%
$ 699 $40,000.00 $26 Get details
19.9%
Cash advance 19.99%
$ 130 $80,000.00 $140 Get details
19.89%
Cash advance 21.49%
$ 0 $0.00 $195 Get details
19.97%
Cash advance 22.97%
$ 0 $80,000.00 $180 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $127 Get details
14.99%
Cash advance 22.99%
$ 120 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 120 $80,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $12,000.00 $299 Get details
19.9%
Cash advance 19.99%
$ 0 $0.00 $ Get details
19.9%
Cash advance 19.90%
$ 30 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $ Get details
19.5%
Cash advance 21.99%
$ 0 $0.00 $ Get details
30% $ 250 $0.00 $180 Get details
19.5%
Cash advance 21.99%
$ 49 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 99 $0.00 $441 Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $108 Get details
19.99%
Cash advance 22.99%
$ 120 $0.00 $ Get details
19.99%
Cash advance 19.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $90 Get details
19.97%
Cash advance 22.97%
$ 0 $60,000.00 $180 Get details
19.99%
Cash advance 22.99%
$ 150 $80,000.00 $617 Get details
19.99%
Cash advance 22.99%
$ 120 $80,000.00 $432 Get details
30% $ 499 $0.00 $351 Get details
30% $ 180 $0.00 $-35 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 139 $60,000.00 $ Get details
20.99%
Cash advance 22.99%
$ 120 $60,000.00 $510 Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $180 Get details
19.99%
Cash advance 24.99%
$ 39 $60,000.00 $ Get details
20.99%
Cash advance 22.99%
$ 0 $0.00 $180 Get details
19.99%
Cash advance 22.99%
$ 110 $12,000.00 $120 Get details
19.95%
Cash advance 19.95%
$ 0 $60,000.00 $333 Get details
19.99%
Cash advance 22.99%
$ 399 $12,000.00 $0 Get details
19.97%
Cash advance 22.97%
$ 0 $0.00 $180 Get details
19.99%
Cash advance 22.99%
$ 120 $0.00 $ Get details
19.5%
Cash advance 21.99%
$ 65 $0.00 $ Get details
19.5%
Cash advance 21.99%
$ 99 $60,000.00 $ Get details
19.99%
Cash advance 21.99%
$ 39 $12,000.00 $266 Get details
20.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 120 $0.00 $ Get details
19.99%
Cash advance 24.99%
$ 0 $0.00 $270 Get details
19.99%
Cash advance 22.99%
$ 0 $80,000.00 $ Get details
20.99%
Cash advance 22.99%
$ 120 $60,000.00 $ Get details
19.8%
Cash advance 19.80%
$ 75 $0.00 $115 Get details
19.5%
Cash advance 21.99%
$ 99 $60,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.5%
Cash advance 21.99%
$ 49 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 79 $60,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 99 $60,000.00 $ Get details
20.99%
Cash advance 22.99%
$ 299 $20,000.00 $ Get details
For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details.
+ prime
Cash advance
after months
Cash advance
 thereafter
after months

PC Financial credit card overview

PC Financial offers three credit cards: the PC Financial Mastercard, PC Financial World Mastercard and the PC Financial World Elite Mastercard. All cards have no annual fee.

PC credit cards earn PC Optimum Points on every dollar spent — including on purchases outside of PC's network of affiliate stores - and let you collect rewards up to three times faster than a PC Optimum loyalty card alone. Since 1998, trillions of points have been earned across Canada, with billions of dollars’ worth of free products awarded.

PC Financial’s credit cards are tiered to match cardholders’ eligibility, and all offer the same standard purchase interest rate of 19.97%.

The entry-level PC Financial Mastercard features benefits such as purchase protections and warranty extensions for many products. PC Optimum points are earned with every purchase.

The mid-tier PC Financial World Mastercard includes all the same benefits with an added 24/7 concierge service — for dining, concerts and events, as well as medical and emergency assistance — and collects PC Optimum points at an accelerated rate.

The top-tier PC Financial World Elite Mastercard also adds travel medical insurance, car rental insurance and a service that protects cardholders from identity theft. This credit card collects the most points of all.

PC Financial credit cards are an excellent choice for consumers that shop where President’s Choice products are sold — including Loblaws, No Frills, Real Canadian Superstore, and more — as well as stores and gas stations such as Shoppers Drug Mart, Joe Fresh, Esso and Mobil.


PC Optimum quick facts

  • 10,000 PC Points = $10 - which works out to 10 Points = $0.01
  • PC Points can be redeemed at retailers affiliated with President's Choice, most notable of which include Lobalws, No-Frills, and Shoppers Drug Mart
  • Depending on which PC credit card you get approved for, you'll earn between 45-10 PC Optimum points per dollar

PC Financial World Elite Mastercard

This credit card tops PC Financial’s offering with the most PC Optimum rewards and deluxe features in security and convenience.

The minimum income required for this card is $80,000 for an individual, or $150,000 in household income. Cardholders may be able to upgrade to the PC Financial World Elite Mastercard if they spend a minimum of $25,000 each year with their account.

PC Optimum points are collected exceptionally fast on each dollar spent:

  • 45 points per $1 at Shoppers Drug Mart
  • 30 points per $1 at Loblaws banner stores
  • 30 points per litre at Esso and Mobil gas stations
  • 30 points per $1 at PC Travel
  • 10 points per $1 on all other purchase

Top-of-the-line services include 10 days of travel medical insurance, car rental insurance (collision damage and theft protection) and anti-identity-theft features, in addition to all services offered by other cards.


PC Financial World Mastercard

The PC Financial World Mastercard is a more accessible credit card that still offers an accelerated rate of collecting points and distinguished services.

The minimum income required is $60,000 for an individual, or $100,000 in household income. Cardholders may be able to upgrade to the PC Financial World Mastercard if they spend a minimum of $15,000 each year.

PC Optimum points are earned in the following accelerated structure:

  • 35 points per $1 at Shoppers Drug Mart
  • 20 points per $1 at Loblaws banner stores
  • 30 points per litre at Esso and Mobil gas stations
  • 20 points per $1 at PC Travel
  • 10 points per $1 on all other purchases

Premium services include 24/7 concierge service — which offers assistance for travel, entertainment, business, shopping and medical arrangements — in addition to services available with the PC Financial Mastercard.


PC Financial Mastercard

This credit card is open to anyone, subject to credit approval, and collects PC Optimum points on every dollar spent — no matter where.

There is no minimum individual or household income required for the PC Financial Mastercard.

Points are collected significantly faster than a PC Optimum loyalty card alone:

  • 25 points per $1 at Shoppers Drug Mart
  • 30 points per litre at Esso and Mobil gas stations
  • 20 points per $1 at PC Travel
  • 10 points per $1 on all other purchases

Security and convenience features include global service; free purchase assurance for theft, loss or damage of most new items; and warranty extensions, which doubles a manufacturer’s warranty on many products.

For a deeper look into their pros and cons, read our full PC Financial Mastercard review.


PC Optimum Points value

With 10,000 PC Optimum points, shoppers receive $10 off purchases at participating retailers - minus taxes and fees. In effect, 10 PC Optimum Points can be thought of as 1% cash back. PC points must be redeemed in increments of at least 10,000 and cardholders can track their rewards online or through an app. PC Optimum points never expire.

Consumers can use the rewards calculator on the PC Financial website to estimate their monthly budgets — groceries, gas, health and beauty shopping, PC travel and all other purchases — for a quick look at the PC Optimum points they can earn with each credit card. This figure can reach hundreds of dollars in free products each year.

There are few restrictions on earning and redeeming points, including the purchase of tobacco products, lottery tickets, gift and phone cards, transit tickets and passes, and post office transactions. For prescriptions, medications and other pharmacy products, laws vary by province — shoppers should check their local pharmacy for applicable regulations.


Redeeming PC Optimum Points

Joining the PC Optimum rewards program means access to a large retail network across the country — as well as their online counterparts — covering groceries, fashion, beauty, health and other retail products.

Points can be redeemed at more than 2,500 locations, including:

  • Loblaws
  • No Frills
  • Shoppers Drug Mart
  • Real Canadian Superstore
  • Zehrs
  • Valu-Mart
  • Fortinos
  • Wholesale Club
  • Shoppers Drug Mart
  • Participating independent grocers and regional counterparts such as Maxi, Pharmaprix, Provigo and Atlantic Superstore.

Online shoppers can also visit BeautyBoutique.ca, JoeFresh.ca and the PC Express website.


PC Optimum personalized offers

If PC Optimum members activate an online account or download the app, the PC Optimum rewards program will send personalized offers to each user based on their own unique spending habits. These offers are updated weekly and, to ensure great deals aren’t missed, users can choose to receive email notifications.

Offers typically expire in one week — but some can be saved and extended — and users can create a shopping list of favourite deals to peruse in-store.

PC Optimum points from personalized offers are bonus rewards; shoppers still earn their usual rate with their PC Financial credit card, and simply add these points on top.


More on PC Financial

Since 1998, President's Choice Financial has been offering unique financial services from Loblaw Companies Ltd. PC Financial serves 3 million customers and provides service online and over the phone.


Other Credit Card Providers