There are three credit cards from PC Financial: PC Financial Mastercard, PC Financial World Mastercard, and PC Financial World Elite Mastercard. Each card has the same primary feature: a 20.97 percent purchase interest rate. In addition, there are no annual fees, and each earns PC Optimum points at a variable rate depending on how much you spend. However, with three cards to select from, how do you know which one would help you optimize your rewards? Let’s take a look at the perks and features of each card so you can make an informed decision.

1. The PC Financial Mastercard

This is the basic card from PC Financial. Unlike the other two, there is no minimum income requirement with the PC Financial Mastercard. Thus, it is suitable for Canadians with low income. The card combines convenience and flexibility with the possibility of big savings on every day purchases. While the PC Financial Mastercard doesn’t have many perks, it sets cardholders up for decent rewards. You can earn 10 points for every $1 spent everywhere you shop and up to 25 points for every $1 spent at Shoppers Drug Mart. You earn at least 30 points per liter at Esso and Mobil stations. And finally, you earn 20 points per $1 spent on PC travel services purchases.
Click here to apply

2. PC Financial World Mastercard

The PC Financial World Mastercard takes a step further when it comes to point-earning potential and other perks. Spending at Shoppers Drug Mart earns you 35 PC Optimum points per dollar, up from 25 with the basic card. Points earned at PC’s grocery stores doubles from 10 to 20 points for every dollar spent. Other added benefits include 24/7 concierge service, purchase assurance, and an extended warranty for up to an additional year on items purchased with your credit card. However, to qualify for this card, you must have a personal annual income of $60,000 or a household income of $100,000.
Click here to apply.

3. PC Financial World Elite Mastercard

This is the President’s Choice card with the most earning reward points.

The optimum earn rate for the PC Financial World Elite Mastercard is as follows: You earn 30 points for every $1 spent at grocery stores that participate in the PC Optimum program and up to 45 points for every $1 spent at Shoppers Drug Mart. You also earn at least 30 points per liter at Esso and Mobil stations. And finally, you earn 30 points per $1 spent on PC® travel services purchases.

The PC Financial World Elite Mastercard also comes with several premium features, including:

• travel medical insurance, 
• loss damage waiver insurance, 
• and identity theft assistance.

However, you must have an annual personal income of $80,000 to qualify for this card. 

Click here to apply

PC Financial Credit Cards Optimum rewards

Each PC credit card allows you to earn PC Optimum points more quickly. You can earn bonus points when you pay at a PC’s retail store with your PC Financial credit card. Once you’ve earned 10,000 points, you’ll be eligible for a $10 discount at any participating retailer, excluding taxes and fees. This allows you to save money on purchases like food, clothing, and gas.

The following are some of the retailers under the President’s Choice Optimum program:

• Valu-mart
• Shoppers Drug Mart
• Independent Grocers
• Real Canadian Superstore
• Esso Mobil
• Joe Fresh
• Fortinos
• Wholesale Club
• Zehrs
• Loblaws
• No Frills

In conclusion

PC Financial credit cards are an excellent choice for consumers who regularly shop at President’s Choice affiliated stores. Because, with a PC’s credit card, you can earn great discounts and rewards.