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.

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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.

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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. 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

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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%
$ 99 $12,000.00 $915 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $325 Get details
19.99%
Cash advance 22.99%
$ 120 $80,000.00 $432 Get details
30% $ 250 $0.00 $180 Get details
19.99%
Cash advance 24.99%
$ 0 $0.00 $190 Get details
19.99%
Cash advance 22.99%
$ 125 $60,000.00 $145 Get details
19.97%
Cash advance 22.97%
$ 0 $80,000.00 $180 Get details
19.99%
Cash advance 21.50%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $127 Get details
19.9%
Cash advance 19.90%
$ 30 $0.00 $ Get details
30% $ 699 $40,000.00 $26 Get details
19.99%
Cash advance 22.99%
$ 399 $12,000.00 $0 Get details
30% $ 150 $0.00 $532 Get details
19.99%
Cash advance 22.99%
$ 120 $0.00 $727 Get details
19.99%
Cash advance 22.99%
$ 65 $0.00 $357 Get details
19.89%
Cash advance 21.49%
$ 0 $0.00 $195 Get details
19.99%
Cash advance 22.99%
$ 120 $0.00 $ Get details
19.95%
Cash advance 19.95%
$ 0 $12,000.00 $243 Get details
19.99%
Cash advance 21.99%
$ 0 $15,000.00 $175 Get details
19.99%
Cash advance 21.99%
$ 65 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 99 $60,000.00 $101 Get details
19.99%
Cash advance 22.99%
$ 99 $0.00 $ Get details
19.99%
Cash advance 21.99%
$ 119 $80,000.00 $421 Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $169 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $161 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 21.99%
$ 42 $0.00 $ Get details
19.99%
Cash advance 24.99%
$ 0 $0.00 $90 Get details
19.99%
Cash advance 21.99%
$ 39 $0.00 $249 Get details
19.99%
Cash advance 21.99%
$ 39 $0.00 $191 Get details
19.99%
Cash advance 22.99%
$ 0 $12,000.00 $402 Get details
19.9%
Cash advance 19.99%
$ 0 $0.00 $ Get details
30% $ 499 $0.00 $ Get details
19.99%
Cash advance 21.99%
$ 120 $60,000.00 $412 Get details
19.99%
Cash advance 22.99%
$ 120 $60,000.00 $470 Get details
19.99%
Cash advance 22.99%
$ 89 $12,000.00 $201 Get details
19.99%
Cash advance 22.99%
$ 120 $60,000.00 $582 Get details
19.99%
Cash advance 22.99%
$ 120 $60,000.00 $435 Get details
19.99%
Cash advance 22.99%
$ 120 $80,000.00 $ Get details
19.99%
Cash advance 19.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.5%
Cash advance 21.99%
$ 99 $60,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 150 $80,000.00 $370 Get details
19.99%
Cash advance 21.99%
$ 0 $12,000.00 $152 Get details
19.9%
Cash advance 19.90%
$ 110 $0.00 $ Get details
19.5%
Cash advance 21.99%
$ 99 $60,000.00 $ Get details
19.5%
Cash advance 21.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 399 $200,000.00 $190 Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $ Get details
19.99%
Cash advance 21.99%
$ 130 $60,000.00 $297 Get details
19.99%
Cash advance 22.99%
$ 150 $80,000.00 $617 Get details
19.5%
Cash advance 21.99%
$ 65 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 110 $12,000.00 $120 Get details
19.99%
Cash advance 22.99%
$ 99 $0.00 $441 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $90 Get details
19.99%
Cash advance 22.99%
$ 0 $12,000.00 $299 Get details
19.5%
Cash advance 21.99%
$ 49 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 30 $0.00 $231 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $405 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
30% $ 180 $0.00 $-35 Get details
19.99%
Cash advance 22.99%
$ 99 $60,000.00 $ Get details
19.99%
Cash advance 24.99%
$ 0 $0.00 $270 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%
$ 139 $60,000.00 $ Get details
19.99%
Cash advance 21.99%
$ 39 $12,000.00 $266 Get details
19.9%
Cash advance 19.99%
$ 130 $80,000.00 $140 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.97%
Cash advance 22.97%
$ 0 $60,000.00 $180 Get details
19.99%
Cash advance 22.99%
$ 99 $35,000.00 $246 Get details
19.99%
Cash advance 22.99%
$ 120 $60,000.00 $262 Get details
14.99%
Cash advance 22.99%
$ 120 $0.00 $ Get details
19.99%
Cash advance 21.99%
$ 110 $0.00 $ Get details
19.99%
Cash advance 24.99%
$ 39 $60,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $108 Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $108 Get details
19.9%
Cash advance 19.90%
$ 0 $0.00 $25 Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $180 Get details
19.99%
Cash advance 22.99%
$ 99 $60,000.00 $510 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 120 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $ Get details
19.8%
Cash advance 19.80%
$ 75 $0.00 $115 Get details
19.97%
Cash advance 22.97%
$ 0 $0.00 $180 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 79 $60,000.00 $ 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.
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Cash advance
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Cash advance
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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.


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