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NO ANNUAL FEE

View All No Annual Fee CardsPC® Mastercard®PC® World Mastercard®PC® World Elite® Mastercard®

MOST VALUE

PC Insiders™ World Elite® Mastercard®

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Earn 20,000 bonus PC Optimum™ Points

with the no annual fee PC® Mastercard®

PC MONEY ACCOUNT

PC MoneyTM AccountBonus Interest Rate
Get up to 2.9%

interest on your savings balance. Because you earned it.

REWARDS

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PC Mastercard

All PC® Mastercard® cards

Top PC Optimum™ points-earning credit cards for every lifestyle.

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We’ll help you find the right PC® Mastercard®

One application matches you with the best no annual fee credit card based on your eligibility.

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No annual fee PC® Mastercard®

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Annual fee:

$0‡

Additional cardholders:

Free

Purchase interest rate (Standard)1:

21.99%

Cash advance interest rate (Standard)1:

22.97%
21.97% (Quebec)

Eligibility:
Minimum $50,000-$80,000 (personal) or $80,000-$150,000 (household) annual income required, depending on the PC® Mastercard® you’re matched with. Subject to credit approval and other eligibility criteria.

Rewards to look forward to

Grocery stores

Up to

3%
back in points at our grocery stores6

Gas stations

At least

3¢
per litre back in points at EssoTM and MobilTM stations7

Health & beauty

Up to

4.5%
back in points at Shoppers Drug Mart® and Pharmaprix®4

Clothing

Up to

3%
back in points at Joe Fresh® stores6

Everywhere else

1%
back in points on dining, transit, and everywhere else6

Learn more about the PC OptimumTM program (opens in a new window)

PC Mastercard

PC Insiders™ World Elite® Mastercard®

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Annual fee:

$120†
First year annual fee waived*

Additional cardholders:

Free

Purchase interest rate (Standard)1:

21.99%

Cash advance interest rate (Standard)1:

22.97%
21.97% (Quebec)

Eligibility:
Minimum $80,000 (personal) or $150,000 (household) annual income required. Subject to credit approval and other eligibility criteria.

Rewards to look forward to

Grocery stores

4%
back in points3 at our grocery stores2

Gas stations

Up to

7¢
per litre back in points at EssoTM and MobilTM stations5

Health & beauty

5%
back in points at Shoppers Drug Mart® and Pharmaprix®4

Clothing

4%
back in points at Joe Fresh® stores3

Everywhere else

1%
back in points on dining, transit, and everywhere else6

Learn more about the PC OptimumTM program (opens in a new window)

Loblaws
No Frills
Shopper Drug Mart Logo
Real Canadian Superstore
Atlantic Superstore
Zehrs
Wholesale Club
Value-mart
Joe Fresh
Independent
Fortinos
PC Express
The Mobile Shop
Pharmaprix

Frequently asked questions

What is the PC Financial® Mastercard®?

A PC® Mastercard® is a credit card issued by President's Choice Bank. It allows you to make purchases conveniently and securely, both online and in-store, while earning valuable PC Optimum™ points on everyday spending with no caps for earning points. Points can be redeemed at participating locations or participating websites2.

What are the differences between the three No Annual Fee PC® Mastercard® credit cards?

President's Choice Financial offers a range of no annual fee credit cards that offer value for everyday spending with no limits on points earning. Here's a quick look at each credit card:
  • PC® Mastercard®: The no annual fee card that rewards you 1% back in points when you shop6 and 2.5% back in points at Shoppers Drug Mart® stores4.
  • PC® World Mastercard®: Offers no annual fee, 3.5% back in points at Shoppers Drug Mart® stores4 and 2% back in points6 at participating grocery stores2.
  • PC® World Elite® Mastercard®: Offers no annual fee, 4.5% back in points at Shoppers Drug Mart® stores4 and 3% back in points6 at participating grocery stores2.
Plus, earn at least 3¢ / litre back in points on gas at Esso™ and Mobil™ stations in Canada7.Note: Your application for a no annual fee PC® Mastercard® will be evaluated to determine the most suitable card for you.
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President's Choice Financial Mastercard is provided by President's Choice Bank. PC Optimum program is provided by President’s Choice Services Inc.