Compare PC Financial Credit Cards

If you’d like to earn PC Points with each purchase you make, take a look at the rewards credit cards PC Financial offers. With a President’s Choice Financial MasterCard in your wallet, you’ll pay no annual fee and earn PC Points every time you swipe your card. Here’s what they offer.

Free Gift Offers Credit cards eligible for a gift card are marked throughout the comparison chart with a gift card icon . Click this box to show only cards that offer free gift cards. Show me the free gift card offers!
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
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.

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. 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 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.

Update results

Hit enter or click outside the box to refresh your results
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

Update results

Hit enter or click outside the box to refresh your results

Update results

Hit enter or click outside the box to refresh your results

Update results

Hit enter or click outside the box to refresh your results

Update results

Hit enter or click outside the box to refresh your results

Update results

Hit enter or click outside the box to refresh your results

Update results

Hit enter or click outside the box to refresh your results

Update results

Hit enter or click outside the box to refresh your results

Update results

Hit enter or click outside the box to refresh your results
Credit card Purchase Interest Rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit
19.97% $0 $180 Get details
19.97% $0 $180 Get details
19.97% $0 $ Get details
For a limited time, you will receive a gift card from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details.
+ prime
after months
 thereafter
after months
Apply now

PC Financial credit card overview

PC Financial offers two credit cards that let you earn PC Points with each purchase you make. The President’s Choice Financial MasterCard earns you 10 PC Points for every $1 spent, saves you money with no annual fee and offers a low balance transfer rate for the first 6 months. For cardholders with a minimum personal annual income of $60,000 or $100,000 household income, the President’s Choice Financial World MasterCard lets you earn 20 PC Points for every $1 spent at over 1,000 participating stores where President’s Choice products are sold. You’ll earn 10 PC points for every $1 spent everywhere else you shop. This card also provides priority service to its cardholders, and can save you money with no annual fee and a low balance transfer rate during the introductory period.


The PC Points program

The PC Points program lets you earn points every time you use your PC credit card to make purchases at participating Loblaw Companies Ltd., grocery store and gas station locations, or anywhere you shop if you have the President’s Choice Financial World MasterCard. PC Points can be redeemed for free groceries, Joe Fresh clothing and home furnishings, at any of their qualifying stores. As stated above, you can earn anywhere from 10-20 PC Points for every $1 spent, depending on which PC credit card you choose. Then you just have to keep in mind that 20,000 PC Points equals $20 in free products. For example, if you spend $2,000 a month using the President’s Choice Financial MasterCard, you could earn 120,000 PC Points in 6 months, equal to $120 in free products.


More on PC Financial

Since 1996, President's Choice Financial has been offering unique financial services from Loblaw Companies Ltd. The President’s Choice Financial MasterCard is offered by President’s Choice Bank, while personal banking services, such as no fee chequing accounts, mortgages, investment services, loans, lines of credit and the PC Points rewards program, are provided by the direct banking division of CIBC. PC Financial serves 2.3 million customers and provides service online, over the phone, at ATMs and at pavilions in select Loblaw-affiliated stores.


Other Credit Card Providers