Am I eligible?
To get this card, you must also:
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...
- Candice Reeves, Wealth RocketIf you’re looking for a solid no-fee starter rewards card with easy qualifications, the PC Financial Mastercard should be your first choice. With a flexible points program and easy redemption process, a PC Financial Mastercard can boost your savings. While they fall a little short of their competito...
- Victor, Yore OysterThe PC Financial Mastercard is your ideal credit card with no annual fee and a high earning rate for eligible purchases. This credit card is best for individuals who often shop at PC Financial stores and participating merchants. Its PC Optimum points are designed only to be redeemed for grocery item...
- Enoch Omololu, SAVVY New CanadiansThis card has no annual fees and offers shoppers opportunities to earn PC Optimum points they can redeem for free groceries. It also offers basic insurance coverage, including purchase protection and extended warranty, and a low promotional balance transfer rate.
- Keph Senett, MoneySenseThe PC Financial Mastercard is a solid no-fee starter rewards card with easy qualifications, and it gives regular Canadians entry-level access to the PC points program. Cardholders can earn hefty rewards points at Shoppers Drug Mart and on gas, but it falls a little short on grocery returns when com...
- MoneyGeniusIf you love PC Optimum, this card is an easy way to increase your earn rate – while also getting points for every $1 you spend at Loblaws (and everywhere else). The fact that it’s for no annual fee makes it an easy addition to your wallet – with a balance transfer promo to top it all off. That being...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 20.97% |
| Balance Transfer Interest Rate | 22.97% |
| 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 |
Get a 100000 points after your first purchase at a participating store where President's Choice® products are sold or at an Esso™ or Mobil™ station in Canada |
| Rewards | |
| All Purchases | 10 points per $1 spent |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel |
30 points per $1 spent On purchases made at pctravel.ca |
| Pharmacy |
45 points per $1 spent On purchases at Shoppers Drug Mart and Pharmaprix stores |
| Bills | No |
| Additional Details |
30 points per litre when you fuel up at Esso and Mobil stations in Canada 30 points per $1 spent on Joe Fresh stores |
| 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 | Yes |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | No |
| Additional Benefits |
Mastercard Global Service |
| 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 |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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