Most people recognize the President’s Choice brand, owned by Loblaw, for its many grocery and drugstore products. But did you know that President’s Choice Financial also offers PC Financial Mastercard credit cards? In this article, we’ll explain the different PC Mastercard credit cards, along with their advantages and disadvantages.
President’s Choice Financial offers the following PC Mastercard credit cards:
These no-annual-fee cards (with the exception of the PC Insiders World Elite Mastercard) allow you to earn PC Optimum points on purchases at partner stores, including Loblaws, Shoppers Drug Mart, Joe Fresh and Esso gas stations. You can then redeem your points for free products, discounts or gift cards.
Find out more about the PC Optimum program :
With the PC Financial Mastercard, you earn:
This means that you get between 1 and 3% on your purchases from PC Optimum stores. You can then use your PC Optimum points for rebates at the checkout of these PC Optimum stores.
In addition, this card has no annual fee.
With the PC Financial World Mastercard, you earn:
This means that you get between 1 and 3.5% on your purchases from PC Optimum stores. You can then use your PC Optimum points for rebates at the checkout of these PC Optimum stores.
With the PC Financial World Elite Mastercard, you get:
This means that you get between 1 and 4.5% on your purchases from PC Optimum stores. You can then use your PC Optimum points for rebates at the checkout of these PC Optimum stores.
What’s more, this credit card has no annual fee.
With the PC Financial Insiders World Elite Mastercard, you get :
This means you earn between 1 and 5% on purchases made at PC Optimum stores. You can then use your PC Optimum points for rebates at the checkout of these PC Optimum stores.
Plus, you can get unlimited grocery deliveries and pick-ups for $0 with a free PC Express Pass subscription (an annual value of $99.99), valid on qualifying orders of $35 or more.
In our opinion, PC Mastercards are a must if you shop regularly at Loblaw and PC Optimum network. What’s more, if you often buy President’s Choice products, you’ll be able to earn PC Optimum points even faster. However, if you don’t store often in partner stores, take a close look at competing cards (as rewards are much lower outside the Loblaw network). Finally, welcome offers are rare for PC Mastercard cards (President’s Choice Financial).
Here are some competing credit cards to consider instead of PC Financial Mastercard cards.
With this welcome offer for the Scotiabank Passport™ Visa Infinite* Card, you earn up to 35,000 Scene+ points as a welcome bonus (a $350 value) :
Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of 10,000 points, a $100 value.
With the Scotiabank Passport™ Visa Infinite* Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
You’ll also earn 2 points for every dollar you spend, including on foreign transactions, in the following categories:
The Scotiabank Passport™ Visa Infinite* Card is an excellent Visa credit card for this type of purchase.
You can redeem your points for any travel purchase at the rate of 1,000 points = $10 (flights, hotels, all-inclusive properties and even Airbnb). You can also use your points as cash back with Scene+, such as at your grocery store checkout at the same rate of 1,000 points = $10.
The Scotiabank Passport™ Visa Infinite* Card also offers:
We voted this credit card the Best No-FX Fee Credit Card of 2024.
With the Walmart Rewards™ World Mastercard®, you can earn 3% cash back on all Walmart.ca purchases and 1.25% cash back at Walmart stores and on gas. Everywhere else, you get 1% cash back.
Plus, there is no annual fee. Get up to $25 cash back with this welcome offer.
If you have an individual income of $60,000 or a family income of $100,000, you may want to consider the World Mastercard Tangerine.
This credit card has no annual fee and offers cashback. With this limited-time welcome offer, you can earn an additional 10% cash back (up to $100) when you spend up to $1,000 on everyday purchases during the first 2 months.
You can choose two to three categories that interest you (groceries, gas, furniture, home improvement, recurring bills, pharmacy, etc.) to earn 2% cash back! And there is no annual cash back limit.
In addition, the Tangerine World Mastercard comes with several insurance coverages for your purchases and travel :
Finally, during your first 30 days, transfer balances and pay only 1.95% interest on the transferred balance for the first 6 months.
In short, PC Mastercards are a must-have if you regularly shop at PC Optimum partner stores: Loblaws, Shoppers Drug Mart, Esso and more. With the exception of the PC Insiders™ World Elite Mastercard®, these cards have no annual fee. And if you buy President’s Choice products often, you’ll earn PC Optimum points even faster.
You can easily earn PC Optimum points on your purchases at partner stores, including Loblaws, Shoppers Drug Mart, Joe Fresh and Esso gas stations. It’s a great way to maximize your rewards while you shop. You can then redeem your points for free products, discounts or gift cards.
You can access your PC Mastercard account on the President’s Choice Financial website (pcfinancial.ca) or on the mobile application.
Among the various PC Mastercards, the PC Insiders World Elite Mastercard is the only one to offer limited travel medical insurance.
President’s Choice is a brand name for Loblaw stores’ home-cooked products. They are sold in Loblaws, Maxi and Provigo stores, among others.
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