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Get the most from your everyday spending1, with no caps on earning PC Optimum™ points.
The only no monthly fee bank account that rewards you with PC Optimum™ points for everyday banking2,3 and spending4 plus interest on your savings balance*.
Get $10 in value for every 10,000 points you redeem5 towards the things you love. It’s that simple!
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On my way to my first million points with my PC Money Account and PC Mastercard (opens in a new window)! What's not to love? No monthly fee or annual fee, points everywhere, every time! Great way to budget as well!
- Vito
If you use the PC Mastercard (opens in a new window) for most purchases monthly and pay it off monthly, it does help financially! By the end of November, I saved up over $1000 in free groceries and used them during the month of December! It’s a win for us!
- Shannon
I'm glad I got the PC Money Account. Within the last 3 weeks I've gotten nearly $80 in points with the purchases I've made and my pay being deposited.
- Lisa-Nassy
Thanks to you, we are an award-winning bank.
PC Financial® uses strong encryption and secure protocols to protect your data and account. We monitor your transactions and have a dedicated team of experts ready to help. You can also set up alerts to stay informed about your account activity.
Download the app or go online to access your account from wherever you are. Easily check your balance, view transactions, and track your spending trends effortlessly.
Explore tips and tricks to maximize your rewards, answer your points questions and stay updated with the latest insights.
President’s Choice Bank is a member of the Canada Deposit Insurance Corporation (CDIC).
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Get over $700 in value every year with our no monthly fee bank account, that rewards you with PC Optimum™ points for daily banking like payroll direct deposits, bill payments and on every dollar you spend when you shop. Plus, now earn our best every day interest rate on your savings.
Get up to $750 back in PC Optimum™ points every year with our award winning no annual fee credit card, that fast tracks your points earning on your grocery, beauty, and fuel spend.
Enjoy up to $1,100 in average value every year, with our most rewarding credit card ever, that earns you more PC Optimum™ points and more perks, including unlimited $0 online grocery delivery and pickup on eligible orders with a complimentary PC Express™ Pass*.
To help us find the product that’s right for you, you’ll just need to answer two short questions.
Get started
Get over $700 in value every year with our no monthly fee bank account, that rewards you with PC Optimum™ points for daily banking like payroll direct deposits, bill payments and on every dollar you spend when you shop. Plus, now earn our best every day interest rate on your savings.
Get up to $750 back in PC Optimum™ points every year with our award winning no annual fee credit card, that fast tracks your points earning on your grocery, beauty, and fuel spend.
Enjoy up to $1,100 in average value every year, with our most rewarding credit card ever, that earns you more PC Optimum™ points and more perks, including unlimited $0 online grocery delivery and pickup on eligible orders with a complimentary PC Express™ Pass*.
To help us find the product that’s right for you, you’ll just need to answer two short questions.
Legal Stuff
*Interest is calculated daily at the current rate on the total closing savings balance in the PC Money™ Account and paid monthly to the savings balance. It is a simple interest calculation. Interest rates are annual and subject to change without notice. Visit pcfinancial.ca for current rates and more information.
**This introductory offer is available to new, first-time PC Money™ Account cardholders. For this offer you must have completed the actions or met the conditions described below in order to be eligible for the PC Optimum™ points shown. This offer replaces any other introductory offers. This offer may be terminated or changed by us at any time without notice.
Earn 200,000 PC Optimum™ points for completing the following steps: (i) starting within 60 days of opening your account, deposit a total of at least $1,500 in a calendar month to your PC Money™ Account using automatic payroll or pension direct deposits; and (ii) in each of the following 2 calendar months deposit at least $1,500 to your PC Money™ Account using automatic payroll or pension direct deposits. There must be a minimum of $1,500 deposited for 3 consecutive months for requirement to be met.
The welcome payroll or pension direct deposit bonus points offer during this promotional period is the sum of: (i) the standard payroll or pension points earned each calendar month when you deposit at least $1,500 using automatic payroll or pension direct deposits, and ii) additional points for qualifying deposits made during the promotional period (as outlined above) to top up to a total of 200,000 points.
Standard points will be awarded to your PC Optimum™ account within 2-7 business days of when you meet the minimum direct deposit amount(s). The additional points will be awarded to your PC Optimum™ account 4-6 weeks after you meet the requirements.
Note: The classification of a direct deposit as a payroll or pension direct deposit is determined solely by President’s Choice Bank. Interac e-Transfer® services, electronic funds transfers, and other forms of deposits or transfers to your account do not count towards this bonus.
§The PC® Mastercard® was voted most trusted No Annual Fee Credit Card brand by Canadian shoppers based on the 2023 BrandSpark® Canadian Trust Study.
The RatesDotCA Best Family Rewards Card for Gas and Groceries award applies to PC® World Elite Mastercard®.
Top Cash Back Credit Card and Top Credit Card Rewards Program. The Top Cash Back Credit Card award applies to PC® World Elite Mastercard®. As awarded on October 24, 2023, by votes cast in the RewardsCanada.ca Canada’s Choice awards.
1Earn a minimum of 10 PC Optimum™ points per dollar on all of your purchases charged to the credit card. Any bonus PC Optimum™ points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC Optimum™ points per dollar spent. This offer may be terminated or changed at any time.
2Earn a monthly bonus of up to 5,000 PC Optimum™ points when you deposit funds to your PC Money™ Account using automatic payroll or pension direct deposits. Payroll or pension deposits totaling between $1,500 and $2,999 within a calendar month will earn a bonus of 2,000 PC Optimum™ points, and deposits totaling greater than $2,999 will earn an additional bonus of 3,000 PC Optimum™ points, for a maximum monthly bonus of 5,000 PC Optimum™ points. Limited to one bonus per customer, per month, even if you have multiple PC Money™ Accounts. The classification of a direct deposit as a payroll or pension direct deposit is determined solely by President’s Choice Bank. Interac e-Transfer® services, electronic funds transfers, and other forms of deposits or transfers to your account do not count towards this bonus. Bonus points will be awarded to your PC Optimum™ account within 2-7 business days of when you meet the minimum direct deposit amount(s).
3Earn 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 2-3 weeks of a successful bill payment.
4Earn at least 5 PC Optimum™ points per dollar on qualifying purchases with your PC Money™ Account, wherever your card is accepted. Earn 10 PC Optimum™ points (5 regular PC Optimum™ points plus a bonus of 5 PC Optimum™ points) per dollar on qualifying purchases at participating Loblaw banner stores, Shoppers Drug Mart® stores, Joe Fresh® stores, and Esso™ and Mobil™ stations in Canada. Bill payments, electronic funds transfers, account fees and interest are not qualifying purchases for the purpose of earning PC Optimum™ points. PC Optimum™ points will be deducted for any credits or returns. President's Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates at any time. Account must be in good standing at time of qualifying transaction and awarding of points.
5Minimum redemption is 10,000 PC Optimum™ points (worth $10 in rewards) and in increments of 10,000 PC Optimum™ points thereafter at participating stores where President's Choice® products are sold. Some redemption restrictions apply. Visit pcoptimum.ca (opens in a new window) for details, participating stores and full loyalty terms and conditions.
®/TM Trademarks of Loblaws Inc., used under license.
®/TM 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.
Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc.
Google and the Google logo are registered trademarks of Google LLC.
®/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® and PC Money™ Account are provided by President’s Choice Bank.
The PC Optimum™ loyalty program is provided by President's Choice Services Inc.