PC Financial MasterCard review

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Advertiser Disclosure

Interest Rate: Purchases
19.97
Balance Transfer
22.97 (0.97% for the first 6 months)
Rewards
10 - 20 points
Signup Bonus
-


Am I eligible?


PC Financial MasterCard is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


GreedyRates.ca

The PC Financial Mastercard is the most basic PC card, however, that doesn’t mean that it isn’t a great option. The PC Financial Mastercard does not have an annual fee and there is a low income threshold needed to apply. This makes it a great credit card option for students or young people just ente...

- Hannah Logan, GreedyRates.ca
Ratehub.ca

The PC Financial MasterCard is usually viewed as an entry level rewards card for those who shop at Loblaw-owned stores, but it’s also one of the best balance transfer credit cards in Canada. New account holders get an interest rate of just 0.97% for the first six months. There’s no fee to make a bal...

- Barry Choi, Ratehub.ca
RateSupermarket

A solid addition to your wallet if you use a credit card for everyday purchases and shop at Loblaws, Shoppers Drug Mart and Joe Fresh stores on a regular basis. It’s especially great for families with kids who are looking to make the most out of their weekly grocery runs.

- RateSupermarket

Details


Interest Rates
Regular APR Interest Rate 19.97%
Balance Transfer Interest Rate 22.97% (0.97% for the first 6 months)

Intro rate applies on balances transferred within the first 90 days of account opening if you apply before December 31, 2017.

Cash Advance Interest Rate 22.97%
Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 1%
Cash Advance Fee $3.50

$5.00 fee for cash advances outside of Canada.

Foreign Transaction Fee 2.5%

Transactions made in a foreign currency will be converted and posted to your account in Canadian currency.

Over Limit Fee $29.00
Late Payment Fee $0.00
Promotions
Sign up bonus No
Rewards
All Purchases 10 points per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 20 points per $1 spent

On purchases made at pctravel.ca

Pharmacy No
Bills 20 points per $1 spent

On PC Mobile monthly bill payments.

Additional Details

20 points per litre of gasoline or diesel purchased at Esso stations in Canada.


Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Eligibility
Minimum Security Deposit $0
Minimum Age

18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces.

Minimum Personal Income
Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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Critic Reviews


GreedyRates.ca

Most basic PC card but still a great credit card option

from GreedyRates.ca

The PC Financial Mastercard is the most basic PC card, however, that doesn’t mean that it isn’t a great option. The PC Financial Mastercard does not have an annual fee and there is a low income threshold needed to apply. This makes it a great credit card option for students or young people just entering the workforce.

Read full review

The PC Financial Mastercard is the most basic PC card, however, that doesn’t mean that it isn’t a great option. The PC Financial Mastercard does not have an annual fee and there is a low income threshold needed to apply. This makes it a great credit card option for students or young people just entering the workforce.

Read full review

Less

Ratehub.ca

One of the best balance transfer credit cards in Canada

from Ratehub.ca

The PC Financial MasterCard is usually viewed as an entry level rewards card for those who shop at Loblaw-owned stores, but it’s also one of the best balance transfer credit cards in Canada. New account holders get an interest rate of just 0.97% for the first six months. There’s no fee to ma...More

The PC Financial MasterCard is usually viewed as an entry level rewards card for those who shop at Loblaw-owned stores, but it’s also one of the best balance transfer credit cards in Canada. New account holders get an interest rate of just 0.97% for the first six months. There’s no fee to make a balance transfer which is also very appealing.

Read full review

Less

RateSupermarket

Average earning potential

RateSupermarket

A solid addition to your wallet if you use a credit card for everyday purchases and shop at Loblaws, Shoppers Drug Mart and Joe Fresh stores on a regular basis. It’s especially great for families with kids who are looking to make the most out of their weekly grocery runs.

Read full review

A solid addition to your wallet if you use a credit card for everyday purchases and shop at Loblaws, Shoppers Drug Mart and Joe Fresh stores on a regular basis. It’s especially great for families with kids who are looking to make the most out of their weekly grocery runs.

Read full review

Less

User Reviews


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