PC Financial Review
Comprehensive review and analysis of PC Financial's digital banking services
Quick Facts
- Founded
- 1996
- Head Office
- Canada
- Active Customers
- 2+ million
- Total Funding
- Loblaw Companies subsidiary
- Employees
- 500+
- App Store Rating
- 4.3/5
Pros & Cons
Pros
- PC Optimum integration
- No monthly fees
- Retail benefits
- Wide acceptance
- Easy approval
- Strong rewards
Cons
- Limited banking features
- Credit focus
- Canada-only availability
- Basic services
Supported Countries
- Canada
Fees
- Account Maintenance Free
- Credit Card No annual fee
- Foreign Transactions 2.5%
- Cash Advances Standard rates apply
- Late Payment Variable rates
Overview
PC Financial has provided retail-integrated banking services since 1996. Their platform combines credit products with the popular PC Optimum rewards program, offering unique value for shoppers.
Key Features
Banking Services
- Credit cards
- Money account
- Bill payments
- Mobile payments
- Online banking
- Payment scheduling
Rewards Program
- PC Optimum points
- Retail rewards
- Special offers
- Points redemption
- Bonus categories
- Partner benefits
Digital Features
- Mobile app
- Account management
- Transaction tracking
- Points tracking
- Payment alerts
- Security controls
Additional Services
- Insurance products
- Payment protection
- Travel benefits
- Purchase protection
- Extended warranty
- Identity protection
Security Features
- Bank-grade security
- Two-factor authentication
- Transaction monitoring
- Fraud detection
- Device management
- Instant blocking
Customer Support
- Phone support
- Email assistance
- Help center
- Online chat
- FAQ section
- Social media
Verdict
PC Financial excels in providing retail-integrated banking services. Their combination of credit products and PC Optimum rewards makes them particularly valuable for regular shoppers at Loblaw stores and their partners.
While the platform focuses primarily on credit products with limited traditional banking features, it offers excellent value through its rewards program. The main limitations are the Canada-only availability and basic banking services, but for Canadian users seeking credit products with strong retail rewards, PC Financial provides an excellent solution.