Best Loyalty Programs for Newcomers to Canada

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American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

^†Terms and conditions apply.

^† Conditions apply.

1 Offer Descriptions and Conditions: The 10,000 bonus Scene+ points offer (the « Offer ») applies only to new Scotiabank American Express credit card accounts (the « Account ») opened between May 1, 2026, and November 1, 2026 (regardless of the date you apply for the Account), subject to the conditions below.

To be eligible for the 2,500 bonus Scene+ points (the « 2,500 Bonus Points Offer »), you must make eligible purchases totaling at least $250 within three months of the Account opening date. To be eligible for the additional 7,500 bonus Scene+ points (the « 7,500 Additional Bonus Points Offer »), you must make $1,000 in eligible purchases on your new Account during the first three months. Eligible purchases mean purchases, less refunds, returns, and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees, and other fees.

Fulfillment of the Annual Bonus: Bonus points will be credited to the Scene+ Account 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 2,500 bonus points and the 7,500 additional bonus points will be credited to the Scene+ Account linked to the account of the borrower who completed the transaction to reach the eligible purchase threshold ($250 or $1,000) within the appropriate timeframe (the first three months). If an additional cardholder completes the transaction to reach the eligible purchase threshold for the 2,500 bonus points or the 7,500 additional bonus points, the bonus points will be credited to the Scene+ Account linked to the primary borrower’s account. Points can be transferred between the Scene+ Accounts of a primary borrower, co-borrower, or additional cardholder by contacting Scene+. An account is in good standing if it is not overdue, does not exceed the credit limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement applicable to the account. 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.

Eligibility and Exclusions: You are not eligible for the 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 an existing Scotiabank personal credit card account and if you are a Scotiabank employee. Subject to the exclusions mentioned above, Scotiabank small business credit cardholders are eligible for this offer.

Rates and Fees: There are currently no annual fees for the primary card and supplementary cards (including those issued for joint account holders and additional cardholders). The preferred annual interest rates currently applicable to the account are: 21.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). All rates, fees, features, and benefits, as described in the application statement, are subject to change.

1 Offer Descriptions and Conditions: The 5,000 bonus Scene+ points offer (the « Offer ») applies only to new Scotiabank Scene+ Visa credit card accounts (the « Account ») opened between July 2, 2026 and November 1, 2026 (regardless of when you apply for the Account), subject to the conditions below.

To be eligible for the 2,500 bonus Scene+ points (the « 2,500 Bonus Points Offer »), you must charge eligible purchases totaling at least $250 within three months of the Account opening date. To be eligible for the additional 2,500 bonus Scene+ points (the « Additional 2,500 Bonus Points Offer »), you must charge $1,000 in eligible purchases to your new Account during the first three months. Eligible purchases mean purchases, less refunds, returns and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other charges.

Annual bonus achievement: Bonus points will be credited to the Scene+ account 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 2,500 bonus points and the additional 2,500 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 ($250 or $1,000) within the appropriate timeframe (the first three months). If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 2,500 bonus points or the additional 2,500 bonus points, the bonus points will be credited to the Scene+ account linked to the primary borrower’s Account. Points can be transferred between the Scene+ accounts of a primary borrower, co-borrower or additional cardholder by contacting Scene+. An Account is in good standing if it is not past due, there is no over-limit situation 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. The Offer may be modified, cancelled or extended at any time without notice and cannot be combined with any other offer.

Eligibility and exclusions: You are not eligible for the Offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or if you have been within 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, Scotiabank small business credit cardholders are eligible for this Offer.

Rates and fees: There is currently no annual fee for the primary card and additional cards (including those issued for joint account holders and additional cardholders).
The preferred annual interest rates currently applicable to the Account are as follows: 21.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions).
All rates, fees, features and benefits described in the disclosure statement relating to the application are subject to change.

^†Terms and conditions apply.

^†Terms and conditions apply.

Refer to RBC page for up to date offer terms and conditions

^®/^™ 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.

^{^} This offer is only available for new RBC ION+ Visa credit card applications received between June 16, 2026, and November 4, 2026 (“offer period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders (co-applicants and authorized users) of the RBC ION+ Visa card account, as well as current holders of any personal RBC Royal Bank credit card who switch to the RBC ION+ Visa card during the offer period, are not eligible for this offer.

7,000 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 RBC ION+ Visa credit card account (“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 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.

14,000 additional Avion points (“additional points”) will be awarded to you if a total amount of at least $1,500 (“eligible transaction amount”) in net eligible purchases or eligible pre-authorized bill payment transactions (“eligible transactions”) is charged to your RBC ION Visa credit card account within the first six months following your credit card account opening date (“period”), provided your account is open and in good standing at the time the additional points are credited to your credit card account. The additional points will be credited approximately 60 days after you have reached the eligible transaction amount. Eligible transactions exclude cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized payments set up with a merchant), interest, and other fees. Credits for returns or adjustments that reduce the eligible transaction amount below the $1,500 threshold will cancel your additional Avion points.

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.

A total of 7,000 additional Avion points (“anniversary points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks following the first anniversary of your credit card account opening, provided that the account is open and in good standing at the time the anniversary points are credited to the account.

If you close your RBC ION Visa credit card account or switch to another type of RBC Royal Bank credit card before the welcome bonus points, additional points, or anniversary points have been credited to your account, you may no longer be eligible for 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 if your application has already been approved, including if we have reason to believe that you are manipulating or abusing the process, or engaging in suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For full terms and conditions applicable to the Avion Rewards program, visit www.avionrewards.com or call 1-800-769-2512.

^† To obtain gift cards or gift certificates with a value of $200, you need 28,000 Avion points. A minimum of 1,400 Avion points must be redeemed for most $10 gift cards or gift certificates. Some exceptions apply. Point redemption values may vary. For full terms and conditions and restrictions applicable to the redemption of points from the Avion Rewards program, as well as current point redemption values, visit https://www.avionrewards.com/terms or call 1-800-769-2512.

ns or call 1-800-769-2512.

Refer to RBC page for up to date offer terms and conditions

^ This offer is only available for new RBC ION Visa credit card applications received between June 16 and November 4, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Co-applicants (co-applicant and authorized user[s]) on an RBC ION Visa credit card account, as well as existing RBC Royal Bank personal credit cardholders who switch to an RBC ION Visa credit card during the Offer Period, are not eligible for this offer.

7,000 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 RBC ION Visa credit card account (“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 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.

An additional 7,000 Avion points (“Additional Points”) will be awarded to you if a total of at least $500 (the “eligible transaction amount”) in eligible net purchases or eligible pre-authorized bill payment transactions (“eligible transactions”) is charged to your RBC ION Visa credit card account within the first three months from your credit card account opening date (the “Period”), provided your account is open and in good standing at the time the Additional Points are credited to your credit card account. The Additional Points will be credited approximately 60 days after you have reached the eligible transaction amount. Eligible transactions exclude cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized payments set up with a merchant), interest, and other fees. Credits for returns or adjustments that reduce the amount of eligible transactions below the $500 threshold will result in the cancellation of your Additional Points.

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 your eligible credit card or switch to another type of RBC ION Visa credit card before the Welcome Points or Additional Points have been credited to your account, you may no longer be eligible for 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 if your application has already been approved, including if we have reason to believe that you are manipulating or abusing the process, or engaging in suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For full terms and conditions applicable to the Avion Rewards program, visit www.avionrewards.com or call 1-800-769-2512.

^† To obtain gift cards or gift certificates with a value of $100, you need 14,000 Avion points. A minimum of 1,400 Avion points must be redeemed for most $10 gift cards or gift certificates. Some exceptions apply. Point redemption values may vary. For full terms and conditions and restrictions applicable to the redemption of Avion Rewards points, as well as current point redemption values, visit https://www.avionrewards.com/terms or call 1-800-769-2512.

Refer to RBC page for up to date offer terms and conditions

^† Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750, you will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. 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 60,000 Avion Points for four 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 “August 13, 2026” and “November 25, 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.

15,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your account opening, provided that your Eligible Credit Card account remains open and in good standing at the time the Anniversary Points are credited to your account.

If you close or change your Eligible Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary 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.

^Point redemptions for flights under the Air Travel Redemption Schedule start at 7,500 points for a short-haul one-way Economy Class flight priced at no more than $175 (and start at 15,000 points for a short-haul round-trip Economy Class flight priced at no more than $350). The traveller is responsible for all applicable taxes, administration fees and surcharges. To learn more, including guidelines regarding redeeming points for a Business Class flight, visit www.avionrewards.com/fr/travel/.

2 Avion points are earned on qualifying net purchases only; they are not earned on 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 or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

PLATINUM CARD PROMOTIONAL OFFER Q3-Q4 2026-AGGREGATOR

Length of the welcome promotion
From June 30, 2026 to November 4, 2026.

Eligibility conditions

• Sign up for a National Bank^® Platinum Mastercard^® credit card as a primary cardholder during the promotion period.
• Have not held any National Bank personal Mastercard credit card as a primary cardholder during the past 12 months.
• Keep the credit card account open and in good standing, in compliance with the Credit Card Agreement, until the annual fee refund and reward points are credited. For example, all minimum payments must be made on time.
• Not be employed by National Bank of Canada or an entity in its group.

Description of the promotion
Up to 40,000 reward points upon enrollment, and a refund of the annual fee for the first year for the primary cardholder of a National Bank^® Platinum Mastercard^®.

Annual fees

The $70 annual fee for the primary cardholder will be refunded for the first year.

We will charge the annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided that your account remains open and in good standing. The refund will appear on your statement as a credit.

Annual fees related to authorized users’ cards are not eligible for this promotion.

Reward points

* To apply for payment insurance, you must complete the sections related to the Credit Card Payment Protection Plan (CCPPP) included in the credit card application form.

** The purchase calculation period starts on the date you sign up for the card. For example, if you sign up on July 15, 2026, you have until October 15, 2026 to make the required $2,500 in purchases, and the 15000 points will be credited to your account by the end of January 2027.

How total purchases are calculated

The calculation is based on the total amount of purchases made using all cards linked to the account. Transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan^™.

Other conditions

• This promotion may only be used once per person.
• Issuance of the card is subject to National Bank of Canada’s credit approval. Other conditions apply to the issuance of the card.
• Unless otherwise indicated, this promotion cannot be combined with any other National Bank credit card promotion and is not retroactive.
• This promotion may be modified or withdrawn without notice.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

*Conditions apply.

BMO is not responsible for maintaining the content on this site. For the latest information, please click on the Apply Now link.

This is an exclusive digital offer^†. To be eligible for this offer:
1) this offer must have been directly communicated to you from CIBC or from a partner or affiliate;
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you^†.

This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.^†

^† Conditions apply. To learn more, select the Apply Now option.

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 Optimum^ᵀᴹ 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 Optimum^TM points per dollar on all of your purchases charged to the credit card. Any bonus PC Optimum^TM points offers available to all PC Financial^® Mastercard^® customers are calculated based on the regular earnings rate of 10 PC Optimum^TM 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 Optimum^TM program is offered. Minimum redemption is 10,000 PC Optimum^TM points (worth $10 in free rewards) and in increments of 10,000 PC Optimum^TM points thereafter, at participating stores. You can redeem the PC Optimum^TM 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 Optimum^TM points per purchased litre of gasoline or diesel fuel at Esso^TM and Mobil^TM stations in Canada when you pay with your PC Financial^® Mastercard^®. You will also earn at least 10 PC Optimum^TM points per litre available to all PC Optimum^TM loyalty members at Esso^TM and Mobil^TM stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at Esso^TM and select Mobil^TM 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 Esso^TM and Mobil^TM 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 Optimum^TM 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 Insiders^TM 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 Optimum^TM points per dollar on qualifying purchases made with a PC Insiders^TM World Elite^® Mastercard^® credit card at participating Loblaw banner stores. For these purchases you will earn the regular 10 PC Optimum^TM points per dollar plus an extra 30 PC Optimum^TM points per dollar charged on your card(s) for a total of 40 PC Optimum^TM 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 Optimum^TM points per dollar spent.

^®/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 Optimum^TM loyalty program is provided by President’s Choice Services Inc.