PC Financial Mastercard
President's Choice Financial · Reward Points · Reward Points
This comprehensive guide covers the PC Financial Mastercard's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The PC Financial Mastercard from President's Choice Financial offers reward points rewards redeemable as reward points at 3%. Top earning categories include 3% on groceries at loblaws, shoppers drug mart & esso and more. This card has no annual fee.
Best for: Loblaws, Shoppers_drug_mart, Esso · Grocery, General Online, Dining, Online Retail
Top Merchants
Reward Examples
Spend C$1,000 on Loblaws → earn C$30 (3%) · 3% on groceries at Loblaws, Shoppers Dru
Spend C$1,000 on General online → earn C$10 (1%) · 1% on everything else
Official product page → Official rules →
Waiver: No annual fee
Reward Rules
- 3% 3% on groceries at Loblaws, Shoppers Drug Mart & Esso
- 1% 1% on everything else
Important Notes
- Points are PC Optimum points; valued at approximately 0.1 cent per point.
- Bonus earn requires shopping at Loblaws-owned stores (Superstore, No Frills, Shoppers Drug Mart, Esso, Mobil).
- No annual fee card — most widely held card in Canada by number of accounts.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Maximize Your Rewards
To earn the highest rewards, use the PC Financial Mastercard for its bonus categories: Grocery, General Online, Dining, Online Retail, Electronics Accessories.