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A Review & Comparison Of PC Financial’s Mastercards

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Last updated on May 5, 2020

PC Financial (President’s Choice) offers 3 different credit cards in their lineup specifically for people who want to earn more PC Optimum points.

They don’t offer any welcome bonuses, but they come with no annual fees. The World and World Elite Mastercards do have minimum income requirements.

PC Financial Mastercard

Presidents Choice Financial Mastercard

Apply Now

on PC Financial’s website

Welcome Offer: No welcome offer on this card.

Earn Rate: 25 points at Shoppers Drug Mart. 30 points per litre at Esso. 20 points for PC Travel. All other stores 10 points.

Annual Fee: $0

Min. Income Required: $0

PC Financial World Mastercard

Apply Now

on PC Financial’s website

Welcome Offer: No welcome offer on this card.

Earn Rate: 35 points at Shoppers Drug Mart. 30 points per litre at Esso. 20 points for PC Travel. All other stores 10 points.

Annual Fee: $0

Min. Income Required: Personal $60,000 or Household $100,000

PC Financial World Elite Mastercard

The President’s Choice Financial World Elite Mastercard

Apply Now

on PC Financial’s website

Welcome Offer: No welcome offer on this card.

Earn Rate: 45 points at Shoppers Drug Mart. 30 points per litre at Esso. 30 points for PC Travel. All other stores 10 points.

Annual Fee: $0

Min. Income Required: Personal $80,000 or Household $150,000

What’s the difference between the cards? Which one should I get?

All three of President Choice’s mastercards have no annual fees, and they have the same interest rates.

  • 20.97% purchase interest rate.
  • 0.97% 6 months promotional balance transfer rate
  • 22.97% cash advance interest rate. 21.97% in Quebec

The major difference between the three cards is that you earn more rewards with the higher tier cards.

pc financial mastercard points

To qualify for the PC Financial World Mastercard, you need to be earning at least $60,000/year in personal income or $100,000 in household income.

To qualify for the PC Financial World Elite Mastercard, you need to be earning at least $80,000/year in personal income or $150,000 in household income.

If you qualify for the World or World Elite Mastercards, you should apply for that one instead of the standard PC Financial Mastercard.

Where can I redeem my PC Optimum Points?

You can redeem your PC Optimum Points at:

No Frills, Zehrs, Loblaws, Joe Fresh, Independant, Maxi, Shoppers Drug Mart, Valu-Mart, Pharmaprix, Atlantic Superstore, Real Canadian Superstore, Fortinos, Provigo, The Mobile Shop

where to redeem pc optimum points

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