All information is current as of September 14, 2020, and is subject to change, extension or cancellation without notice. For the most current information, visit pcfinancial.ca or phone 1 866 246 7262.
*Our grocery and drugstores refers to affiliated grocery and drugstores that participate in the PC Optimum™ program. Visit pcoptimum.ca for participating stores.
1 For information about fees for special requests and services for the PC Money™ Account card, click here.
2 Earn 5 regular PC Optimum points plus a bonus of 5 PC Optimum points per dollar of your purchases with your PC Money™ Account. President’s Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates as of September 30, 2021. PC Optimum points will be deducted for any returns. Account must be in good standing at time of qualifying transaction and awarding of points. Minimum redemption is 10,000 PC Optimum points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President’s Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions.
- Earn 10,000 bonus PC Optimum™ bonus points when you make your first purchase of $50 or more, using a valid PC Money™ Account, within three months of account approval. Limit one offer per PC Money™ Account. Account must have sufficient funds at the time of purchase. Bonus PC Optimum™ points will be deducted for any returns. Bonus points will be awarded to your PC Optimum™ account within 4-7 days of eligible transaction.
- Earn one bonus of 10,000 bonus PC Optimum™ points when you link a bank account with another financial institution to your PC Money™ Account and receive a success message upon verifying your external account online. Limit one offer per customer. Both accounts must be in good standing at the time they are linked. Bonus points will be awarded to your PC Optimum™ account within 4-7 days of successfully linking accounts.
- Earn a bonus of 1,000 PC Optimum™ points for each of up to five bill payments of $50 or more to unique payees, per calendar month, made using a valid PC Money™ Account. Bonus points will be awarded to your PC Optimum™ account within 4-7 days of a successful bill payment.
- Earn a one-time bonus of 25,000 PC Optimum™ points when you set up automatic payroll or pension direct deposit into your PC Money™ Account for the first time and complete at least three direct deposits into the account within the three consecutive months following setup. Limit one offer per PC Money™ Account. Bonus points will be awarded to your PC Optimum™ account within 4-6 weeks of completing your third direct deposit.
4 Everyday transactions include an unlimited number of completed electronic fund transfers, withdrawals at PC Financial bank machines, self-serve bill payments and purchases in Canadian dollars. For information about daily and transactional dollar value limits on everyday transactions, and fees for other available transactions/services, and to access all legal documents for the PC Money™ Account, go to your Notification Centre by logging in to your online account at pcfinancial.ca or through the PC Financial mobile app.
5 Optional overdraft protection allows you to temporarily borrow funds up to your approved credit limit when you don’t have enough money in your account to complete a transaction. This may allow you to complete the transaction and avoid a Non-Sufficient Funds (NSF) fee. When your account is in overdraft there is a fee charged each month in addition to interest charges on the outstanding overdraft amount. Subject to credit approval.
6 Your liability may be limited in situations where use of your Account was unauthorized. For more details, please refer to section 6.2 “Unauthorized Transactions” in your Account Agreement.
7 Earn a minimum of 10 PC Optimum points per dollar on all of your purchases charged to the President’s Choice Financial Mastercard® everywhere you shop. When you use your President’s Choice Financial Mastercard® at affiliated Loblaw banner stores, you will earn 10 points per dollar for President’s Choice Financial Mastercard® cardholders; 20 points per dollar for President’s Choice Financial World Mastercard® cardholders; and 30 points per dollar for President’s Choice Financial World Elite Mastercard® cardholders.
8 Points amount shown includes the 10 points per dollar for all purchases with the President’s Choice Financial Mastercard®. Points amount also includes at least 10 PC Optimum points per purchased litre of gasoline or diesel fuel at Esso™ and Mobil™ stations in Canada when you pay with your PC Financial Mastercard®. You will also earn at least 10 PC Optimum points per litre available to all PC Optimum loyalty members at Esso™ and Mobil™ stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at Esso™ and select Mobil™ Stations. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate at the station nearest you is available in the station locator located at pcfinancial.ca/gas. 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™ and Mobil™ locations. For full details including how points are awarded to your account and rounding rules, visit pcfinancial.ca/gas
9 Some conditions apply. Coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and/or American Bankers Insurance Company of Florida (ABIC) and/or Assurant Services Canada Inc. (ASCI). Details of coverage, including definitions, benefits, limitations, and exclusions, are outlined in the Certificate of Insurance and Assistance Services statement sent with your card. ABIC, ABLAC, ASCI and their subsidiaries and affiliates carry on business in Canada under the name Assurant. Assurant is a registered trademark of Assurant, Inc.
10 Standard welcome offer for all new PC Financial Mastercard® applicants is 20,000 PC Optimum points. When you receive your Standard welcome offer for all new PC Financial Mastercard® applicants is 20,000 PC Optimum points. When you receive your PC Financial Mastercard® credit card and make your first purchase at a Shoppers Drug Mart, Pharmaprix or Loblaw banner store, you will receive 20,000 PC Optimum points. No minimum purchase amount required. Purchase must be made with your President's Choice Financial Mastercard® within 4 months of account approval. Cannot be used with any other promotions or offers. Offer has no cash value. Allow 2-3 weeks from qualifying purchase on your new card at Shoppers Drug Mart, Pharmaprix or participating Loblaw banner stores for bonus PC Optimum points to be awarded. Each welcome offer is limited to one per new PC Financial Mastercard® account and the offer may be terminated or changed at any time without notice.®/™ Trademarks of Loblaws Inc., used under license. Mastercard® credit card and make your first purchase at a Shoppers Drug Mart, Pharmaprix or Loblaw banner store, you will receive 20,000 PC Optimum points. No minimum purchase amount required. Purchase must be made with your President's Choice Financial Mastercard® within 4 months of account approval. Cannot be used with any other promotions or offers. Offer has no cash value. Allow 2-3 weeks from qualifying purchase on your new card at Shoppers Drug Mart, Pharmaprix or participating Loblaw banner stores for bonus PC Optimum points to be awarded. Each welcome offer is limited to one per new PC Financial Mastercard® account and the offer may be terminated or changed at any time without notice.®/™ 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.
®/™Interac, Interac e-Transfer and the Interac logo are registered trademarks of Interac Corp. Used under license.
PC Money Account and President’s Choice Financial Mastercard® are provided by President’s Choice Bank.
The PC Optimum™ program is provided by President's Choice Services Inc.