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Advertisers are not responsible for the content of this site, including any editorial or review that may be published on it. For complete and up-to-date information about any product featured, please visit their website. We maintain business relationships with certain partners mentioned in our communication tools. While we may receive compensation if you sign up for a product or service through our affiliate links, our reviews and content are based on an objective assessment. Value estimates are established by Milesopedia and are not provided, endorsed, or verified by the issuing financial institutions. †*Terms and conditions apply.
Get 15% cash back on all purchases (up to $2,000 in total purchases) for the first three months¹. 0% introductory rate on balance transfers for the first 12 months (2% cash advance fee, thereafter: 22.99%)¹.
And pay no annual fee in the first year, including on additional cards¹.
Rates, fees and other information are effective as of May 1, 2026. Subject to change.
1 Offer Terms and Description: The 15% cash back, 0% introductory balance transfer rate, and first-year annual fee waiver offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite +* credit card accounts (the “Accounts”) opened, and any additional cards issued, between May 1, 2026, and November 1, 2026 (regardless of the date you apply for the Account), subject to the terms and conditions set out below. We will waive the initial annual fees, for the first year only, for the primary card and for each additional card. All other program terms continue to apply during the Offer period. The Offer may be changed, cancelled, or extended at any time, without notice, and cannot be combined with any other offer.
Description and Terms of the 15% Cash Back Offer: You will receive 15% cash back on the first $2,000 in eligible purchases charged to your new Account during the three months following its opening date (the “Promotional Period”). Eligible purchases mean purchases, minus refunds, returns, and any similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, and card and other fees. After the Promotional Period, you will earn the usual cash back on your purchases, at the regular rate (the “Program Cash Back Rate”) described in the cash back program terms (the “Program Terms”). The 15% cash back rate for each category is the sum of the regular cash back rate (which varies by category) and the “Bonus Cash Back Rate.”
The cash back earned under this Offer will be credited to your Account, provided it is open and in good standing on the cash back payment date. 1. Bonus Cash Back Rate: Cash back accumulated at the Bonus Cash Back Rate may be credited to your Account approximately 5 months following its opening date, in accordance with the cash back program terms. 2. Regular Cash Back Rate: Cash back accumulated at the regular Program Cash Back Rate can be redeemed at any time provided you redeem a minimum of $25 each time. EXAMPLE: If the regular Program Cash Back Rate for grocery purchases and recurring payments is 4%, the Bonus Cash Back Rate will then be 11% for that purchase category, so all current eligible purchases in that category will earn a total of 15% cash back during the Promotional Period. If you make eligible current grocery purchases and recurring payments totaling $2,000, the cash back credited to your Account for that category will be calculated as follows: (1) a bonus cash back of $220 (11% x $2,000), credited as an adjustment on your statement, and (2) the regular cash back of $80 (4% x $2,000), which will appear on your monthly statements.
Description and Terms of the 0% Introductory Balance Transfer Offer: The 0% introductory interest rate offer on balance transfers (the “Rate Offer”) applies only to eligible cash advances (including balance transfers and quasi-cash transactions, collectively referred to as “cash advances”), subject to the conditions below. This introductory rate applies for 12 months from this date (the “Promotional Period”). After the Promotional Period, the interest rate on cash advances covered by the 0% promotional rate (including any outstanding balance of such cash advances at the end of the Promotional Period) will revert to the preferred interest rate applicable to cash advances (currently 22.99%). A fee corresponding to 2% of the amount of any cash advance made during the Promotional Period applies (minimum fee of $5.00).
The Offer is subject to any cash advance limit on your Account. This Offer is also based on your approved credit limit on the date of this Offer. This means that if the sum of transferred balances exceeds the approved credit limit, balance transfers may not be processed. This Offer cannot be used to transfer a balance from another Scotiabank account, nor to make a payment or deposit to another Scotiabank account.
Cancellation of Promotional Rate: If we do not receive your minimum payment by its due date indicated on your statement for two consecutive times, you will lose the benefits of this special rate offer and your interest rates will revert to the annual rates normally applicable to your Account (currently 25.99% for purchases and 27.99% for cash advances). All other program terms continue to apply during the Offer period.
Application of Payments: For residents of Quebec: In general, if one or more interest rates apply to your Account, we apply payments according to the interest rate(s) applicable to the transactions posted to your Account (from highest to lowest rate). For residents outside Quebec: In general, if you make a payment greater than the minimum amount shown on your statement, the difference is applied proportionally to the different groups of charges billed to your Account. Charges are grouped based on the interest rate applicable to them. Your payment cannot be applied to the balance of your choice. Consult your credit card agreement for more information on how payments are applied to your Account.
Description and Terms of the Annual Fee Waiver Offer: We will waive the annual fees, for the first year only, for the primary card and for each additional card issued between May 1, 2026, and November 1, 2026.
Eligibility and Exclusions: You are not eligible for this Offer if you are currently a primary or secondary holder of a Scotiabank personal credit card or have been within the last two years, including if you transfer your balance from a Scotiabank personal credit card account and if you are a Scotiabank employee. Subject to the exclusions mentioned above, holders of a Scotiabank small business credit card are eligible for this Offer. By accepting this Offer, you confirm that you meet all eligibility requirements. We reserve the right to revoke this Offer at any time if we determine that you do not meet the eligibility requirements, including after its acceptance or the opening of the Account.
Rates and Fees: The current annual fees are $120 for the primary card and $50 for each additional card (including those issued for co-account holders and additional cardholders). The current preferred annual interest rates applicable to the Account are: 20.99% on purchases and 22.99% on cash advances. Rates, fees, features, and benefits, which are described in the application disclosure, may be changed.
By clicking on the Subscribe button, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.
Conditions - Exclusive Milesopedia promotion - World Elite Card
Welcome promotion period: From June 30 to November 4, 2026.
Eligibility requirements:
Promotion description:
Other conditions:
®Mastercard et World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
® The À LA CARTE REWARDS logo is a registered trademark of National Bank of Canada.
® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada
® Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.
® Google Pay is a trademark of Google LLC and this content is not endorsed by or affiliated with Google in any way.
TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. À la carte Travel is owned by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.
TM À LA CARTE REWARDS is a trademark of National Bank of Canada.
®THE TOTAL, THE CONNECTED, AND NATIONAL BANK are registered trademarks of National Bank of Canada.
* World Elite® Mastercard®
National Bank® of Canada World Elite® Mastercard® credit card was named the best Mastercard credit card by Milesopedia in 2026, 2025 and 2024.
National Bank® of Canada World Elite® Mastercard® credit card was named the best travel credit card by Milesopedia in 2026, 2025 and 2024.
Each year, Milesopedia examines the credit card offers of the largest financial institutions and establishes its ranking according to more than 150 criteria such as fees, welcome offers, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.
Example of credit charges over a 30-day period
*Variable interest rate in effect on September 1, 2021.
Exclusive welcome offer: Get up to $1,700 in value, including up to 115,000 points, the Mastercard Travel Pass program and 4 complimentary airport lounge passes, a statement credit for NEXUS and the annual fee waived in the first year for the primary cardholder and authorized users*.
Additionally, enjoy a 0% introductory interest rate on balance transfers for 12 months as well as a 2% balance transfer fee.*
*Terms and conditions apply
BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.
Earn up to $1,300 in value†, including up to 146,000 TD Rewards Points, receive an Annual Fee rebate for the first year† and additional travel benefits. Conditions Apply.
To receive the first-year Annual Fee Rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee Rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
†Terms and conditions apply.
Get up to 55,000 Avion Rewards points1 (a maximum travel value of $1,100†), that's up to 3 round-trip short-haul flights^
Apply by August 12, 2026.
Points and Rewards
Refer to RBC page for up to date offer terms and conditions
† For Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 55,000 Avion points for a round trip flight from eastern Canada or the United States to Mexico, Hawaii or Alaska; or from western Canada or the United States to Bermuda, Central America or the Caribbean, with a maximum ticket price of $1,100 All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).
^ Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 15,000 Avion points for a round trip within or to an adjacent Canadian province/territory or U.S State with a maximum ticket price of $350. You will need a minimum of 45,000 Avion Points for three round-trips within or to an adjacent Canadian province/territory or U.S State. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, please visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).
1 This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an « Eligible Credit Card ») received between « July 16, 2026 » and « August 12, 2026 » (« Offer Period ») and approved by Royal Bank of Canada (« Royal Bank ») subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer.
35,000 welcome Avion points (« Welcome Points ») will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, « good standing » meaning that your Eligible Credit Card account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
You will receive 20,000 bonus Avion points (« Bonus Points ») if a total of $5,000 or more (« Qualifying Transaction Amount ») in qualifying net purchases and/or pre-authorized bill payment transactions (« Qualifying Transactions ») are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (« Period »). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Eligible Credit Card account remains open and in good standing at the time the Bonus Points are credited to your account.
Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Eligible Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
If you close or change your Eligible Credit Card for another type of RBC Royal Bank credit card before the Welcome Points and/or the Bonus Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.
Welcome Offer: Get up to $1,600 in value and the annual fee waived in the first year. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee*.
Benefits
†Conditions apply.
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points¹
Rates, fees and other information are effective as of Jan 2,2026. Subject to change.
* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year, the value of savings on foreign currency transaction fees and the cost of airport lounge access as of November 4, 2025:
$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite +* cardholders who charge $2,000 in purchases to their account within the first three months;
$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite +* cardholders who charge $10,000 in purchases to their account within the first six months;
$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge at least $40,000 in purchases to their account per year (12-month period: annual bonus points);
$50 in savings through the waiver of the annual fee for the first additional Scotiabank Passport Visa Infinite +* card;
$134 in savings on foreign currency transaction fees based on the average amount of foreign currency purchases made per account over the past 24 months (by saving on the 2.5% foreign currency transaction fees typically charged by other credit card issuers);
$369 representing the potential value of points earned in the first year (36,900 bonus Scene+ points) based on the average amount of purchases made per account over the past 24 months, assuming an average spend of 21% of purchases in categories eligible for accelerated earn rates of 2X and 3X points;
$364 representing the value of complimentary membership in the Visa Airport Companion program which includes 6 airport lounge passes (based on « Preferred » membership valued at approximately $364 CAD/$259 USD). Based on the exchange rate in effect on November 3, 2025.
Maximum potential value after the first year = $1,517 (rounded to $1,500)
The actual value of offers, savings realized and rewards earned will vary depending on card usage and eligibility for offers. Conditions apply.
1 Offer description and conditions: The 50,000 Scene+ points offer (the « offer ») applies only to new Scotiabank Passport Visa Infinite credit card accounts (the « accounts ») opened between January 2, 2026 and August 3, 2026 (regardless of the date you apply for the account) subject to the conditions below. The offer may be modified, cancelled or extended at any time without notice, and it cannot be combined with any other offer.
In addition, as a Scotiabank Passport Visa Infinite cardholder, you are eligible for an annual bonus of 10,000 Scene+ points if you charge at least $40,000 in eligible everyday purchases to your Scotiabank Passport Visa Infinite account over the course of one year. Conditions apply; see below for more details.
Description and conditions of the 50,000 bonus Scene+ points offer: To be eligible for the 40,000 bonus Scene+ points offer (« 40,000 bonus points »), you must charge eligible purchases totaling at least $2,000 to your account within the first three months following the account opening date. To be eligible for the additional 10,000 bonus Scene+ points (the « additional 10,000 bonus points »), you must charge $10,000 in eligible purchases to your new account within the first six months following the account opening date. Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, and card and other fees.
Conditions relating to the annual bonus of 10,000 Scene+ points: As a Scotiabank Passport Visa Infinite cardholder, you can earn an annual bonus of at least 10,000 Scene+ points (the « annual bonus points ») if you charge at least $40,000 in eligible purchases to your account over the course of one year (12-month period). The annual period begins on the account opening date; a new period begins every twelve months thereafter. If you replace another Scene+ eligible credit card with the Passport Visa Infinite +* card (i.e., it is not a new card or an additional card), the opening date of your original account will be carried over to your new Passport Visa Infinite +* card account and your annual period under this offer will begin on the next anniversary date of your original account opening. For example, if you originally opened a Scotiabank Gold American Express® Card* account on January 15, 2022 and you switch to the Scotiabank Passport™ Visa Infinite +* Card on July 15, 2025, your annual period under the annual bonus of 10,000 Scene+ points offer will begin on January 15, 2026 (your next anniversary date) and a new period will begin on January 15 each year thereafter. You will earn 2,000 bonus Scene+ points for each additional $10,000 in purchases made during the same year once you have reached the $40,000 annual purchase threshold. Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, and card and other fees.
Fulfillment of the annual bonus: Bonus points will be credited within approximately eight weeks after you become eligible for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 40,000 bonus points, the additional 10,000 bonus points, and the annual bonus points will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000, $10,000, or $40,000) within the appropriate timeframe (the first three months, the first six months, or the first 12 months). If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 40,000 bonus points, the additional 10,000 bonus points, or the annual bonus points, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. It is possible to transfer points between the Scene+ accounts of a primary borrower, a co-borrower or an additional cardholder by contacting Scene+. An account is in good standing if it is not past due, there is no over-limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the account. All other program conditions continue to apply during the offer period.
Offer eligibility and exclusions: You cannot take advantage of the offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or have been one in the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, small business credit cardholders are eligible for this offer.
Rates and fees: The annual fees are $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to joint account holders and additional cardholders). The preferred annual interest rates applicable to the account are as follows: 20.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). The rates, fees, and features and benefits, which are described in the disclosure statement accompanying the application, may be changed.
Earn up to $600* in value for the first year.
Earn a 30,000 Scene+® Points Welcome Bonus with the Tangerine ® Rewards World Elite®* Mastercard®*. Apply today and start earning up to $600 in value* from Day 1, including:
Earn 1.5X Scene+ Points in 3 Accelerator Categories. Choose from 13 Categories and you can even switch them every 90 days.* Plus, get 1 Scene+ point per $1 spent on everything else.*
Total of 13 Reward Categories:
The Mastercard Collection — Globally connected access to premium dining, entertainment and travel benefits*
Transfer and save During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply.* Conditions Apply.
Spend confidently with the Tangerine® Rewards World Elite Mastercard®*. Have peace of mind knowing you’re covered with Purchase Assurance and Extended Warranty5 of up to $60,000 (lifetime maximum).
*Conditions apply.
† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.
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Get 35,000 welcome WestJet points upon first purchase - $350 in WestJet travel savings*
Fastest Way to Earn WestJet Points
Combine WestJet Points
Redeem WestJet Points
Enjoy airport lounges worldwide
® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
* To benefit from this offer and receive 35,000 welcome WestJet points upon your first purchase (‘Welcome WestJet Points’), your application must be received and approved by Royal Bank of Canada (‘Royal Bank’). The Welcome WestJet Points will appear on your monthly credit card statement and in your WestJet Rewards account, accessible at westjet.com/account, approximately 90 days after your first purchase transaction date, provided that your WestJet RBC World Elite Mastercard for Business credit card account (‘Credit Card Account’) remains open and in good standing at that time, ‘good standing’ meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged-off or in credit revoked status at that time. Only the primary business cardholder on the Credit Card Account is eligible for the Welcome WestJet Points; secondary business cardholders are not eligible for this offer. To receive the Welcome WestJet Points, the primary business cardholder must make at least one (1) purchase; a purchase made by any secondary business cardholder will not count as the ‘first purchase’. If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet Points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.
SPECIAL OFFER: Earn 20,000 PC Optimum™ points when you apply for the no annual fee PC® World Elite® Mastercard® and spend $50 or more at participating stores within 60 days of account approval.
That’s like $20. And you deserve an extra $20.
See terms and conditions** for details.
Rewards to look forward to
You'll love these benefits
Even more benefits you’ll love
All rates and fees for the PC® Mastercard®.
Offer valid for new President’s Choice Financial® Mastercard® cardholders who apply by December 31, 2026. Earn a one-time bonus of 20,000 PC Optimum™ points when you spend $50 CDN or more in total qualifying purchases at participating Loblaw banner grocery stores, The Mobile Shop™ stores, Joe Fresh® stores, Shoppers Drug Mart® stores, Pharmaprix® stores, Esso™ or Mobil™ stations in Canada within 60 days of account approval. Visit pcoptimum.ca for participating stores. Qualifying purchases must be made with your new PC Financial® Mastercard®. Date of account approval is the date of the PC Financial® email confirming that your PC Financial® Mastercard® is approved.
Qualifying purchases excludes refunds, cash advances, balance transfers, interest charges, fees, credit or debit adjustments. Any refunds or merchant credits received during the offer period will reduce your total purchase amount for the purposes of this offer. Cannot be used with any other promotions or offers. Offer has no cash value. Your President’s Choice Financial® Mastercard® account must be open and in good standing at the time points are awarded. Offer applies to new accounts only. This introductory offer is limited to one per new PC Financial® Mastercard® account and may be terminated or changed at any time without notice. Allow 4-6 weeks from qualifying purchase(s) for bonus PC Optimumᵀᴹ points to be awarded.
1 If you are approved for the Basic Rate PC Financial® Mastercard®, your rates will be as follows. Purchase interest rate: 26.99%, Cash Advance interest rate: 27.97%. The Basic Rate is not available in Quebec. For more information, please refer to the Application Disclosure Summary.
2 Earn a minimum of 10 PC OptimumTM points per dollar on all of your purchases charged to the credit card. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent. This offer may be terminated or changed at any time.
3 Our grocery stores means affiliated Loblaw banner grocery stores. Visit pcoptimum.ca for details on participating stores where the PC OptimumTM program is offered. Minimum redemption is 10,000 PC OptimumTM points (worth $10 in free rewards) and in increments of 10,000 PC OptimumTM points thereafter, at participating stores. You can redeem the PC OptimumTM points you earn for eligible purchases, or for any other purposes of which we may advise you from time to time. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.
4 Points amount shown includes the 10 points per dollar for all purchases with the PC Financial® Mastercard®. In addition, earn at least 10 PC OptimumTM points per purchased litre of gasoline or diesel fuel at EssoTM and MobilTM stations in Canada when you pay with your PC Financial® Mastercard®. You will also earn at least 10 PC OptimumTM points per litre available to all PC OptimumTM loyalty members at EssoTM and MobilTM stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at EssoTM and select MobilTM Stations. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate is available at the station. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 30 points per litre, points will be topped up to ensure a minimum of 30 points per litre are awarded in all transactions paid with a PC Financial® Mastercard® at EssoTM and MobilTM locations. For full details including how points are awarded to your PC OptimumTM account and rounding rules, visit pcfinancial.ca/en/legal-stuff/pc-optimum-mastercard/.
5 All PC OptimumTM members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart® and Pharmaprix® stores. When you use your PC Financial® Mastercard® you will earn additional points per dollar: 10 points per dollar for PC Financial® Mastercard® cardholders; 20 points per dollar for PC Financial® World Mastercard® cardholders; 30 points per dollar for PC Financial® World Elite® Mastercard® cardholders; and 35 points per dollar for PC InsidersTM World Elite® Mastercard® cardholders.
6 Purchase Assurance and Extended Warranty are underwritten by American Bankers Insurance Company of Florida. Details of coverage, including definitions, benefits, limitations, and exclusions, are outlined in the Certificate of Insurance delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.
7 Cash advances are accessible only up to your available cash limit and your current cash advance interest rate applies from the date of the transaction.
8 Earn 40 PC OptimumTM points per dollar on qualifying purchases made with a PC InsidersTM World Elite® Mastercard® credit card at participating Loblaw banner stores. For these purchases you will earn the regular 10 PC OptimumTM points per dollar plus an extra 30 PC OptimumTM points per dollar charged on your card(s) for a total of 40 PC OptimumTM points per dollar. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent.
10 Concierge Services are provided by Assurant Services Canada Inc. (ASCI). Details of service, including definitions, benefits, limitations, and exclusions, are outlined in the Terms and Conditions delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.
®/TM Trademarks of Loblaws Inc., used under license.
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.
Shoppers Drug Mart®, Pharmaprix® and logos are trademarks of 911979 Alberta Ltd., used under license.
®/TM Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Mobil is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee.
President’s Choice Financial® Mastercard® is provided by President’s Choice Bank.
The PC OptimumTM loyalty program is provided by President’s Choice Services Inc.
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New American Express® Aeroplan®* Reserve Cardmembers can earn up to 150,000 Aeroplan points
Card features
Apply with confidence!
*Instant decisions are only available for Consumer (also known as Personal) Card applications.
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