Applying for the PC Mastercard is quick, simple, and entirely digital. The card is issued by President’s Choice Financial and is designed for shoppers who want a no-fee credit card that rewards everyday purchases within the PC Optimum network. Applications can be completed online through the PC Financial website or in person at partner store kiosks such as Loblaws, Real Canadian Superstore, and Shoppers Drug Mart. Step-by-Step Application Guide Visit the PC Financial website and select the PC Mastercard option. Click “Apply Now” and fill out the online application form with your personal and financial information. Upload documents if requested — such as proof of identity, address, or income. Submit your application and wait for the credit review, which typically takes only a few minutes. If approved, your card will be mailed to you, and you can activate it easily through the PC Financial app. The approval process includes a standard credit check, but there is no minimum income requirement, making this card accessible to students, freelancers, and new credit users. Once activated, you can immediately begin earning PC Optimum…

The Home Trust Preferred Visa is a free Canadian credit card that waives foreign transaction fees, which sounds like a perfect budget travel card. On paper it checks one big travel box: no foreign transaction fee. In practice, however, it falls short in several areas that matter to people who actually travel or spend in foreign currencies. This review breaks down why the card gets a middling score and who, if anyone, should consider it. Quick Overview Annual fee: Free Foreign transaction fees: Waived Cashback: 1% on eligible purchases (but excludes purchases in foreign currency) Insurance: Purchase protection only Statement credit: Cashback issued once per year in January Signup Bonus There is no signup bonus. The card does not offer introductory cash back or sign-up incentives through third-party portals. For people who chase welcome offers, this card will not be interesting. Rewards The Home Trust Preferred Visa advertises 1% cashback on eligible purchases. That sounds straightforward until the fine print: purchases made in a foreign currency do not earn the 1% cashback even though the card waives foreign transaction fees.…