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 Finance 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 fine if you shop regularly in the Loblaw and PC Optimum networks.
However, if you don’t store at partner stores often, take a close look at competing cards (as rewards are much lower outside the Loblaw network). You could earn many more points or cash back with cards that have accelerated grocery accumulation.
Here are some competing credit cards to consider instead of President’s Choice Financial Mastercard PC cards. They are a great alternative and earn points or cashback faster:
With this welcome offer for the Scotiabank Passport Visa Infinite Card, you’ll receive up to 40,000 Scene+ points in welcome bonus (a $400 value):
Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of at least 10,000 points, a value of $100.
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, and 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 purchases, in the following categories:
The Scotiabank Visa Infinite Passport is an excellent Visa credit card for this type of purchase.
These points can be used against any travel purchase at the rate of1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb). You can also redeem your points for cash back at Scene+, for example, at your local grocery store checkout at the same rate of 1,000 points = $10.
The Scotiabank Visa Infinite Passport also offers :
We voted this credit card the Best No FX Fee Credit Card of 2024 and 2025.
The National Bank World Elite Mastercard is the best Mastercard credit card on NBC.
With this card, you earn up to 5 points per dollar on your purchases:
And since it’s a Mastercard credit card, you can use it at Costco.
With this card, you have access to a $150 annual travel credit that you can use in any of these categories:
What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.
Finally, Milesopedia voted National Bank World Elite Mastercard the Best Credit Card for Travel and the Best Credit Card for Insurance in 2023, 2024 and 2025 respectively.
BMO CashBack® World Elite®* Mastercard®* is one of Canada’s best cash back Mastercard credit cards.
Right now, for a limited time, you’ll get up to 10% cash back for the first 3 months, for a maximum return of $260 on $2,600 in purchases.
You’ll also receive an additional $75 bonus if you spend at least $25,000 in the first year.
Plus, there is no annual fee for the first year!
With BMO CashBack® World Elite®* Mastercard®*, you get between 2% and 5% cash back on many categories of purchases:
Everywhere else, you’ll earn 1% cash back, including at Costco.
Finally, it is one of the only credit cards in its category to offer an extended warranty of 2 additional years.
In short, PC Mastercard cards are good if you regularly shop at PC Optimum partner stores such as Loblaws, Shoppers Drug Mart and Esso. With the exception of PC Insiders™ World Elite Mastercard®these cards have no annual fee.
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 Mastercard cards, 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.
Savings are here (if you don’t see the sign-up form, please click here):
