Loyalty Program: PC Optimum

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.

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

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.