What is PC Financial Mastercard?

PC Financial Mastercard bills average around $750/month for a typical household. Issued by President's Choice Bank (Loblaw) with no branches, and every purchase earns PC Optimum points for Loblaws, No Frills and Shoppers.

How to Get Cash Back on Your PC Financial Mastercard Bill

1. Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
2. Add PC Financial Mastercard as a payee: search "PC Financial Mastercard" in Bills. It's typically listed as PRESIDENT'S CHOICE FINANCIAL MASTERCARD / PC FINANCIAL MASTERCARD.
3. Enter your card number: 16-digit President's Choice Financial Mastercard number, see below for exactly where to find it.
4. Pay with your preferred credit card: one-time or recurring. Your card earns its normal rewards; Neobanc adds cash back on top.
5. Earn cash back on every payment: cash back lands in your Neobanc balance. Withdraw it or put it toward next month's bill.

Where to Find Your PC Financial Mastercard Card Number

Format: 16-digit President's Choice Financial Mastercard number. the front of your card, your statement, or the PC Financial app

Verified against www.pcfinancial.ca, July 2026.

Can I Pay PC Financial Mastercard With a Credit Card?

Yes, and it's the whole point. Most billers don't reward you for how you pay. Through Neobanc, your card earns its normal rewards and Neobanc adds 1% to 2% cash back on top. On a typical $750/month PC Financial Mastercard bill, that's roughly $360 back per year between a 2% cash-back card and Neobanc, for the exact same bill.

The Math on Your PC Financial Mastercard Bill

Average $750/month: a 2% cash-back card returns about $15.00/month, and Neobanc adds $7.50 to $15.00 on top, roughly $360 per year for switching how you pay, not what you pay.

How do I save the most on my PC Financial Mastercard bill each month?

Change how you pay before what you pay. Paying by bank transfer or Pre-Authorized Debit (PAD) / Autopay earns nothing; the same bill through Neobanc with a cash-back card returns about $360 a year. Interest accrues at the card's rate (low-20s %); two consecutive dishonoured pre-authorized debits cancel your autopay enrolment. A recurring Neobanc payment a few business days before the due date earns on every cycle and never runs late.