For many individuals, having easily accessible funds is one of the most important things that help them manage their finances. Some have savings while others take out loans. However, many people opt to get a credit card to help cover their needs.
Getting a credit card not only means getting access to funds when you need them but also that you will be able to take advantage of perks and benefits the card offers. To make sure that you get the best features, see to it that you pick a bank that makes their offerings worthwhile. President’s Choice is one of these banks.
PC Bank’s PC Financial Mastercards are some of its most valuable offers. Want to apply for one of these cards? Discover more information about this offer below.
Features Of A PC Mastercard
PC Financial Mastercard is one of the best ways to accumulate PC Optimum, which you can redeem in exchange for various perks. With this offer, you can get 10 points for every $1 you spend in grocery stores. The bank also rewards users with 25 points per $1 spent on Shoppers Drug Mart, at least 30 points per liter for gas purchases and 20 points for every $1 for travel spending. You can also get 10 points for every $1 you spend everywhere else.
To know how many points you can get for expected purchases, you can use the PC Optimum rewards calculator on their website. Once you accumulate enough points, you can start redeeming them. You can get $10 for every 10,000 points, which you can spend on free rewards at participating merchants and establishments. These can also be used when you make purchases through the PC Express website.
Online Application For A PC Mastercard
Interested in getting this card? You can easily do so with the bank’s online application process. For the PC Mastercard, the only eligibility requirement is that your application is subject to credit approval. Keep In mind that the bank also only allows residents of Canada at the age of majority to receive this card.
The bank will also assess your financial and credit backgrounds, so make sure to have your latest bank statement and payslips. Proof of residence and identity may also be required. As per PC Financial, you can also speed up the process by providing your social insurance number.
Fees And Charges
Remember that you will need to pay fees and charges to maintain your credit card. For this card, you can expect an annual purchase rate of 19.97%, which will increase to 20.97% for May 2020. Upon application approval, you will be able to enjoy an interest-free grace period on new purchases for 21 days. Cash advances have an interest rate of 22.97%. You do not have to worry about annual fees for this card.
Conclusion
Your credit card is one of the most valuable financial products you can get. You can make it count by getting a PC Mastercard. To know more, get in touch with PC Financial by phone at 1 866 246 PCMC (7262) or email them at talktous@pcmastercard.pcfinancial.ca. You can also send mail to President's Choice Financial Mastercard, P.O. Box 4403, Station A, Toronto, ON, M5W 5Y4.
*Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.
