Note : Click to application page from GCR before filling application
Apply for the no annual fee PC® Mastercard®
PC® Mastercard® to Your Comparison Table Your Comparison Table (need to be logged in) Full Comparison Summary
Earn at least 10 PC Optimum™ points everywhere you shop.
FEATURES
Get to free fast with a no annual fee PC® Mastercard®.
Earn 10 points for every $1 spent everywhere you shop and up to 25 points for every $1 spent at Shoppers Drug Mart®.
Earn at least 30 points per litre at Esso™ and Mobil™ stations.
Earn 20 points per $1 spent on PC® travel services purchases.
All with no annual fee.
Mastercard Global Service™: Replaces your card or offers a cash advance in case of emergency.
Purchase Assurance: In the event of theft, loss or damage in the first 90 days when you pay in full with your PC® Mastercard® credit card.
Extended Warranty: Doubles the manufacturer's regular warranty for up to an additional year on items purchased with your PC® Mastercard® credit card.
Conditions apply to all benefits. President's Choice Bank is not responsible for maintaining the content on this site. Please click on the ‘Go to PC® Mastercard®’ link for the most up to date information and full details. Subject to credit approval and eligibility criteria. PC® Mastercard® is provided by President’s Choice Bank. The PC Optimum™ program is provided by President's Choice Services Inc.
Annual Card Fee:
$0
Credit Score:
660
Extra Card Fee:
$0
Purchase Interest Rate:
21.99%
Minimum Personal Income:
$0
Balance Transfer Interest Rate:
26.99%
Minimum Household Income:
N/A
Cash Advance Interest Rate:
26.99%
Earn at least 10 PC Optimum™ points everywhere you shop.
FEATURES
Get to free fast with a no annual fee PC® Mastercard®.
Earn 10 points for every $1 spent everywhere you shop and up to 25 points for every $1 spent at Shoppers Drug Mart®.
Earn at least 30 points per litre at Esso™ and Mobil™ stations.
Earn 20 points per $1 spent on PC® travel services purchases.
All with no annual fee.
Mastercard Global Service™: Replaces your card or offers a cash advance in case of emergency.
Purchase Assurance: In the event of theft, loss or damage in the first 90 days when you pay in full with your PC® Mastercard® credit card.
Extended Warranty: Doubles the manufacturer's regular warranty for up to an additional year on items purchased with your PC® Mastercard® credit card.
Annual Card Fee:
$0
Credit Score:
660
Extra Card Fee:
$0
Purchase Interest Rate:
21.99%
Minimum Personal Income:
$0
Balance Transfer Interest Rate:
26.99%
Minimum Household Income:
N/A
Cash Advance Interest Rate:
26.99%
Conditions apply to all benefits. President's Choice Bank is not responsible for maintaining the content on this site. Please click on the ‘Go to PC® Mastercard®’ link for the most up to date information and full details. Subject to credit approval and eligibility criteria. PC® Mastercard® is provided by President’s Choice Bank. The PC Optimum™ program is provided by President's Choice Services Inc.
Part 1: PC Optimum™ Points Value per Canadian Dollar
At Loblaw Companies: 10,000 Points = $ 10 CAD, so 1 Point = 0.001 CAD or 0.1 cents
At Esso or Mobil Stations: 4,000 Points can save 10 cents per litre on up to 40 litres of fuel, which translates to a variable value depending on gas prices but generally around 0.25 cents per point or less.
Online Purchases: Value remains consistent with in-store redemptions, 10,000 Points = $ 10 CAD.
Part 2: PC Optimum™ Points Value per 100 Canadian Dollars
At Loblaw Companies: 1,000,000 Points = $ 100 CAD
At Esso or Mobil Stations: Value can vary, but for example, if gas is $ 1.50 per litre, 4,000 Points would save $ 4 on 40 litres, making the effective value per 100 CAD in gas around 160,000 Points.
Online Purchases: 1,000,000 Points = $ 100 CAD
Part 3: Summary for Best Value
To maximize the value from your PC® Mastercard®:
Shop at Loblaw Companies: Redeem points here for a direct $ 10 per 10,000 points, making it the most straightforward way to get value.
Fuel Savings at Esso/Mobil: While the per-point value can be higher for gas, consider the frequency and volume of fuel purchases to ensure it's the best use of points.
Use Promotional Offers: Take advantage of any special promotions or bonus point offers that might increase your effective points value.
Combine with Other Offers: Use your card during times when there are additional store discounts or when PC Optimum points can be doubled or tripled through special promotions.
Part 4: PC Optimum™ Points Earned per $ 1000 Spending by Category
Shoppers Drug Mart Purchases: 2,500 Points per $ 100 spent, so 25,000 Points per $ 1,000 spent.
Loblaw Companies: 1,000 Points per $ 100 spent, so 10,000 Points per $ 1,000 spent.
PC Travel: 2,000 Points per $ 100 spent, so 20,000 Points per $ 1,000 spent.
Esso/Mobil: 30,000 Points per 1,000 litres of gas (assuming an average price), but since it's per litre, it varies with price; typically around 30 Points per litre.
All Other Purchases: 1,000 Points per $ 100 spent, so 10,000 Points per $ 1,000 spent.
NOTE : The value conversions may not be up to date. Please calculate your own conversion to Canadian dollars to ensure accuracy.
★ PLEASE READ TO MAKE SURE YOU GET A CASH BACK REBATE:
Must activate card to get Cash Back Rebate.
Cash back Rebates will be paid by Great Canadian Rebates under the following rules:
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Must activate card to get cash back.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval and activation.
• Cash Back not offered on repeat cardholders of the same card.
• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
The credit card features and benefits are provided by President’s Choice Bank, provider of the PC® Mastercard®.
Offer not available in Quebec.
Get 25% Referral Bonus Get paid in cash 25% of all cash back rebates all your referrals collect
Great Canadian Rebates works in partnership with over 900 well known merchants. These outlets already offer great deals and savings, you save even more when you shop online as a member here. Once you register, you can save through Cash Back Rebates and even more using our coupons, deals, discounts and sales links.
CATEGORIES
