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THE PC® MASTERCARD®: THE CREDIT CARD FOR ESSENTIALS.



Maximize your points-earning potential on everyday purchases like groceries,
gas, and beauty with the PC® Mastercard®.

No limits on points earning, no annual fee, just rewards.

Apply nowExternal link



THE EVERYDAY BANK ACCOUNT.



Make a better choice than debit with the no monthly fee PC Money™ Account, the
only everyday bank account that earns you up to 10 PC Optimum™ points for every
$1 spent in-store or online, everywhere you shop**.

Open accountExternal linkLearn more


MORE FREE, NO ANNUAL FEE.



Why wait? Apply for a PC® Mastercard® credit card and get on the fast track to
free groceries, beauty and more***Additional information provided in legal stuff
at the bottom of the page..

Apply NowExternal linkLearn more


MANAGE YOUR MONEY FROM ANYWHERE.



Download the app or go online to access your account from wherever you are.

Learn more



EARN PC OPTIMUM™ POINTS ACROSS MANY LOCATIONS AND REDEEM11 IN OUR GROCERY AND
DRUG STORES.*



Find locations in your areaExternal link
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SOME FOOD FOR THOUGHT.



 * 
    
   
   Financial Wellbeing
   
   Introducing the new PC Money™ Account
   
   PC Financial TeamRead Article
 * 
    
   
   Financial Wellbeing
   
   Spending Money to Save Money: The Ultimate Life Hack
   
   Eden HagosRead Article
 * 
    
   
   Financial Wellbeing
   
   Rack up PC Optimum™ points with the new PC Money™ Account
   
   PC Financial TeamRead Article

Read more


 * PC MONEY ACCOUNT
   
   
   
   No monthly fee.
   
   Open accountExternal link


 * PC® MASTERCARD®
   
   
   
   No annual fee.
   
   Apply NowExternal link

Legal Stuff

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We use cookies and other technologies to enable core functionality on our
website(s) and to provide you with a personalized experience. For more
information on cookies and how to manage your settings, visit the Loblaw Privacy
Policy.

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Contact UsCareersBlogSocial ResponsibilityExternal link
SecurityAbout UsFAQsLegal & Privacy
CDIC MemberMedia CentreWebsite Terms of UsePCOptimum.caExternal link
President’s ChoiceExternal linkAccessibility

President's Choice Financial Mastercard is provided by President's Choice Bank.
PC Optimum program is provided by President’s Choice Services Inc.

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THE EVERYDAY BANK ACCOUNT.



Prefer paying with debit but still want the points? Make a better choice with
the no monthly fee PC Money™ Account, the only everyday bank account that earns
you PC Optimum™ points everywhere you shop.

Open accountExternal link


OUR AWARD-WINNING CREDIT CARD.



The PC Financial® Mastercard® is voted most trusted No Annual Fee Credit Card by
Canadian shoppers based on the 2022 BrandSpark® Canadian Trust Study.

Apply NowExternal link


NEED HELP CHOOSING?



To help us find the product that’s right for you, you’ll just need to answer two
short questions.

Take assessmentExternal link


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 * Legal Stuff




Legal Stuff

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*Standard welcome offer for all new PC Financial® Mastercard® applicants is
20,000 PC Optimum™ points. When you receive your PC Financial® Mastercard®
credit card and make your first purchase with your new card at a participating
store where President's Choice® products are sold or at an Esso™ and Mobil™
station in Canada. Visit pcoptimum.caExternal link for full store list. No
minimum purchase amount required. Purchase must be made with your President's
Choice Financial® Mastercard® within 6 months of the PC Financial® email
confirming that your PC® Mastercard® is approved. Cannot be used with any other
promotions or offers. Offer has no cash value.

Allow 4-6 weeks from qualifying purchase on your new card at a participating
location for bonus PC Optimum™ points to be awarded. Each welcome offer is
limited to one per new PC Financial® Mastercard® account and the offer may be
terminated or changed at any time without notice.

Minimum redemption is 10,000 PC Optimum™ points (worth $10 in free rewards) and
in increments of 10,000 PC Optimum™ points thereafter at participating stores.
Some redemption restrictions apply. Visit pcoptimum.caExternal link for details
and full store list.

**Earn at least 5 PC Optimum™ points per dollar on qualifying purchases with
your PC Money™ Account, wherever your card is accepted. Earn 10 PC Optimum™
points (5 regular PC Optimum™ points plus a bonus of 5 PC Optimum™ points) per
dollar on qualifying purchases at participating Loblaw banner stores, Shoppers
Drug Mart® stores, Joe Fresh® stores, and Esso™ and Mobil™ stations in Canada.
Bill payments, electronic funds transfers, account fees and interest are not
qualifying purchases for the purpose of earning PC Optimum™ points. PC Optimum™
points will be deducted for any credits or returns. President's Choice Bank
reserves the right to cancel, change or extend regular and bonus points earning
rates at any time. Account must be in good standing at time of qualifying
transaction and awarding of points.

***Earn a minimum of 10 PC Optimum points per dollar on all of your purchases
charged to the President’s Choice Financial Mastercard® credit card everywhere
you shop. Minimum redemption is 10,000 PC Optimum points (worth $10 in rewards)
and in increments of 10,000 points thereafter at participating stores where
President’s Choice® products are sold. Some redemption restrictions apply; visit
pcoptimum.caExternal link for details, participating stores and full loyalty
terms and conditions.

†"Our grocery and drugstores" refers to affiliated grocery and drugstores that
participate in the PC Optimum™ program. Visit pcoptimum.caExternal link for
participating stores. Earn at least 10 PC Optimum points per purchased litre of
gasoline or diesel fuel when you pay with your President's Choice Financial
Mastercard® at Esso™ and Mobil™ stations in Canada. In addition, you will
continue to earn at least 10 PC Optimum points per dollar spent on the card, and
at least 10 PC Optimum points available to all PC Optimum loyalty members at
Esso and Mobil stations in Canada. Earn an additional 10 points per litre of
premium gasoline (Octane 89, 91, 93) at Esso™ and select Mobil™ Stations. You
could earn even more points at Mobil™ stations located adjacent to a Loblaw
banner grocery store. Exact earn rate at the station nearest you is available in
the station locator located at pcfinancial.ca/gasExternal link. You cannot
redeem PC Optimum points at Esso™ and Mobil™ stations.

®/TM Trademarks of Loblaws Inc., used under license.

®/TM Mastercard is a registered trademark, and the circles design is a trademark
of Mastercard International Incorporated. President's Choice Bank is a licensee
of the marks.

Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered
in the U.S. and other countries and regions. App Store is a service mark of
Apple Inc.

Google and the Google logo are registered trademarks of Google LLC.

PC Money™ Account and President’s Choice Financial Mastercard® are provided by
President’s Choice Bank.

The PC Optimum™ program is provided by President's Choice Services Inc.









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