If you already shop at Loblaws, Shoppers Drug Mart, or affiliated stores, linking your PC Mastercard to PC Optimum from day one means rewards accumulate faster than with most standalone cards — but only if you remember to link both accounts before making your first purchase. The signup process takes less than ten minutes if you have your card and postal code handy. This guide walks you through the official login portal, mobile app setup, and the key features you’ll unlock once your account is active — all from primary PC Financial sources.

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Official Login URL: secure.pcfinancial.ca/en/login ·
App Platforms: Google Play, Apple App Store ·
Annual Fee: None ·
Cash Advance Rate: 22.97%

Quick snapshot

1Confirmed facts
2What’s unclear
  • Exact user volume for PC Financial services (not publicly disclosed)
  • Recent app update timeline or version changes (release notes not consistently published)
  • Detailed comparison of web versus app login experiences (subjective; varies by user)
3Timeline signal
  • Two-step verification enrollment is mandatory for all new accounts (PC Financial FAQ)
  • Current interest rates listed as of 2026 (PC Financial PC Mastercard Page)
4What’s next
  • Link PC Optimum account to view points balance and redeem offers directly in app (PC Financial Blog)
  • Add card to Google Pay or Apple Wallet for contactless payments (PC Financial Blog)
  • Up to four authorized users can be added to the account (PC Financial Benefit Guide)

The table below summarizes the key PC Mastercard account details sourced from official PC Financial documentation.

Detail Value
Primary Login Site secure.pcfinancial.ca/en/login
Sign-Up Guide PC Financial Video Tutorials
Android App Google Play
iOS App Apple App Store
Rewards Site PC Optimum
Annual Fee None
Purchase Interest Rate 21.99%
Cash Advance Rate 22.97% (21.97% in Quebec)
Max Authorized Users 4
Card Issuer President’s Choice Bank

How to Register for President’s Choice Mastercard Account

Before you can log in, you need an online account linked to your PC Mastercard. The process requires your physical card, the three-digit CVV on the back, and the postal code you registered with when applying. Have those three items ready and head to the official signup instructions from PC Financial.

Steps to Create Account

  • Go to the PC Financial sign-in page and click “Create Account”
  • Enter your 16-digit PC Mastercard number and CVV
  • Input your registered postal code
  • Choose a username and password meeting the minimum 10-character requirement with upper/lower case, number, and symbol
  • Accept the terms and conditions
  • Verify your email through the confirmation link sent by PC Financial

Required Information

PC Financial requires card number, CVV, and registered postal code for verification. The password must include at least 10 characters combining uppercase, lowercase, numbers, and symbols — you cannot reuse any portion of your username. Two-step verification is mandatory upon enrollment, sending a code via email, text, or voice, according to PC Financial’s security documentation.

Verification Process

After submitting your details, check your email for a verification message from PC Financial. Click the confirmation link to complete enrollment. Optionally, you can designate your computer as a trusted device to skip two-step verification on future visits from that browser, as explained in PC Financial’s first-time sign-in guide.

Why this matters

New account holders who skip linking their PC Optimum loyalty number miss out on automatic point collection every time they use the card — that means fewer points earned at over 2,500 participating locations across Canada where PC Optimum rewards are accepted.

PC Financial Login: Access Your Account Online

Once registered, logging in takes you to a dashboard where you can view transactions, check your balance, go paperless with statements, update your address, request a credit limit change, and manage up to four authorized users on the same account, according to the official PC Financial Benefit Guide.

Direct Login URL

The official portal is secure.pcfinancial.ca/en/login. Bookmark this page and always verify you’re on the correct domain before entering credentials. Look for the padlock icon in your browser address bar confirming a secure connection.

Username and Password Requirements

Your password must contain at least 10 characters including uppercase letters, lowercase letters, at least one number, and at least one symbol. The system will reject passwords that reuse segments of your username. If you forget your password, use the “Forgot Password” link on the login page to reset it through email verification.

Troubleshoot Access

  • Card not recognized: Verify you’re entering the correct 16-digit number from the front of your PC Mastercard
  • Postal code rejected: Use the postal code associated with your original card application
  • Account locked: Wait 30 minutes or contact PC Financial support through the messaging feature after logging in
The catch

The 21.99% purchase interest rate applies immediately if you carry a balance — unlike some competitors that offer promotional grace periods. For Canadians who pay in full monthly, this is irrelevant, but for anyone prone to carrying balances, the math on rewards erodes fast.

PC Financial Mobile Login

The PC Financial app serves as a one-stop hub for managing both your Mastercard and PC Money Account. Download it from Google Play or the Apple App Store. The app lets you review balances, view transactions, go paperless, lock lost or stolen cards remotely, and load personalized PC Optimum offers, according to PC Financial’s quick-start guide.

App Download Links

Login in App

Open the app and enter the same username and password you created during online registration. The app supports biometric login if enabled on your device. Upon first login, you may be prompted to complete two-step verification again to confirm your identity.

Mobile Features

  • View transaction history and download statements
  • Check PC Optimum points balance
  • Lock or unlock your card if misplaced
  • Receive push notifications for purchases and payment due dates
  • Access PC Money Account alongside your Mastercard

PC Financial Mastercard Statement Access

Viewing your statement online requires logging into your account at secure.pcfinancial.ca/en/login. Navigate to the “Statements” section to see your billing history. You can also access statements directly through the mobile app under the same account dashboard.

Access Statements Online

After logging in, select your PC Mastercard from the accounts list and click “Statements.” You can view current and past statements organized by billing cycle. Each statement displays purchases, payments, interest charges, and rewards earned during that period.

Download Options

Statements are available as PDF downloads for your records or tax purposes. The “Go Paperless” option in your account settings switches all future statements to electronic delivery, sending an email notification when each new statement is ready.

Review Transactions

The transactions section shows individual purchases with merchant names, dates, and amounts. You can filter by date range or search for specific transactions. Disputed charges can be flagged directly through the secure messaging feature in your account.

PC Mastercard App: Functions and Login

The PC Financial app handles everything from activation to daily account management. Card activation is straightforward: sign up via the “Create Account” link, log in through the web portal or app, navigate to “Accounts,” select your card, and click “Activate now,” according to PC Financial’s activation FAQ.

App Functions

  • Card activation and PIN management
  • Balance and transaction monitoring
  • PC Optimum points tracking and offer loading
  • Paperless statement enrollment
  • Remote card lock for lost or stolen cards
  • Secure messaging with customer support

Login Via App

Use your registered username and password to sign in. If you’ve forgotten your credentials, the app provides direct links to the password reset and username recovery flows on the main website.

PC Optimum Integration

Register and link your PC Optimum account to your PC Mastercard to automatically collect points on every purchase. Linked accounts let you pay at checkout with your PC Financial card without separately presenting your PC Optimum card — the system tracks everything under one profile. Points can be redeemed at over 2,500 participating Loblaw banner stores across Canada. For more information, visit the Andrew Place Clinic Bundoora Mill Park.

The upshot

For Canadians already shopping at Loblaws, Shoppers Drug Mart, and affiliated stores, the PC Mastercard and PC Optimum integration means rewards compound faster than with most standalone credit cards — provided you remember to link both accounts from the start.

“Closer to free, no annual fee — this is likely why you signed up for your PC® Mastercard®.”

— PC Financial Official Blog

According to PC Financial’s security FAQ, mandatory two-step verification during enrollment provides an extra layer of protection to ensure that only the account owner has access.

— PC Financial FAQ

“The PC Financial® app is your secure, one-stop shop for managing your PC Financial® Mastercard® and your PC Money™ Account.”

— PC Financial on Google Play

Related reading: How to sign up for PC Financial online banking · First-time sign-in for PC Financial account

Additional sources

pcfinancial.ca, pcfinancial.ca, pcfinancial.ca, pcfinancial.ca, pcfinancial.ca

Users facing login hurdles with their President’s Choice Mastercard can find a reliable troubleshooting guide alongside official PC Financial steps for seamless access.

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Frequently asked questions

How secure is the President’s Choice Mastercard login?

PC Financial uses chip and PIN technology combined with mandatory two-step verification during enrollment. Each login attempt from a new device may trigger additional verification. The card can also be added to Google Pay or Apple Wallet for contactless payments with enhanced security layers, as documented in PC Financial’s security guidance.

Can I use PC Optimum with PC Financial login?

Yes. Linking your PC Optimum loyalty number to your PC Mastercard synchronizes points automatically. Once linked, you earn PC Optimum points on every purchase without separately scanning your loyalty card at checkout.

What if I forgot my PC Financial login?

Use the “Forgot Password” or “Forgot Username” links on the login page. You’ll need your card number and registered email to recover access. Password resets require email verification and the new password must meet the 10-character minimum with mixed case, numbers, and symbols.

Does President’s Choice Mastercard login work outside Canada?

The online and app login features are accessible from anywhere with internet connectivity. However, the PC Mastercard is a Canadian-issued card, and certain features like PC Optimum redemptions are limited to participating Canadian locations. International transaction fees may apply depending on your card agreement.

How to link PC Mastercard to the app?

After downloading the app and logging in with your online banking credentials, your PC Mastercard should appear automatically if already registered. If not visible, go to “Accounts” → “Add Account” and follow the prompts to link a new card using your card number and CVV.

What devices support PC Financial app login?

The app supports iOS devices running iOS 12.0 or later and Android devices running Android 6.0 or higher. Tablet-optimized versions are not available, but the mobile layout works on larger phone screens.

Is there PC Financial customer support for login issues?

Yes. Once logged in, you can send a secure message through the app or website messaging center. For immediate assistance with a locked account or suspected fraud, call the number on the back of your card. You can also activate your PC Mastercard by calling 1 866 246 7262, according to PC Financial’s Benefit Guide.

Canadian shoppers already loyal to the Loblaws ecosystem should link their President’s Choice Mastercard to PC Optimum from day one to maximize rewards accumulation. The no-annual-fee structure and free additional cardholders are genuine advantages — but the 21.99% purchase rate demands financial discipline. New account holders should activate the card, link their loyalty number, set up two-step verification, and bookmark secure.pcfinancial.ca/en/login before you need it.