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Manulife Bank of Canada vs PC Financial®
A side-by-side comparison of ratings, customer experience, products, fees, and pros & cons to help you choose the right bank.
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Manulife Bank of Canada and PC Financial® are evenly matched on our overall rating (3.8 each) — compare their products and fees below to decide.
Overview
Top chequing accounts
Manulife Bank of Canada has no chequing account listed.
PC Money™ Account
PC Money™ Account
4.4 Our rating
OPEN ACCOUNT
on PC Financial's website
Welcome Bonus
Receive 150,000 PC Optimum™ points
Regular Interest
Up to 2.2%
Monthly Fee
$0
Account Type
Chequing • Personal
Earn 150,000 PC Optimum™ points (equivalent to around $150) by opening a new account then setting up direct deposit on your payroll or pension worth at least $1,500. Keep receiving the deposit for three straight months.**
- No monthly fee with no minimum balance required
- No limit on withdrawals from PC Financial ATMs
- Unlimited debit transactions both in-store and online
- No cost for Interac e-Transfers or bill payments
- No foreign currency conversion fees3
- Optional overdraft protection
- Earn PC Optimum™ points
- Savings feature add-on available (earn 2.2%* on the savings balance)
Account Fees
Monthly Fee
$0
eStatement
Included
ATM Fees
Own Network
$0
Canadian ATMs
$1.5
USA
$3
International
$3
Top savings account
Top credit card
Manulife Bank of Canada has no credit card listed.
APPLY NOW
on PC Financial's website
Welcome Bonus
20,000 PC points ($20 value)
Annual Fee
$0
Interest Rates
21.99% / 22.97%
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
2.3/5
This is a great card to have in your arsenal if you frequently shop at Shoppers Drug Mart®, Loblaw's owned chains, and ESSO and Mobil gas stations, as you will earn significant rewards in these categories. The additional benefits, such as out-of-province medical insurance, car rental damage insurance, and concierge service, are impressive and typically only come with cards that have annual fees; however, you can access these benefits for free with this card. We do not recommend using this as your primary credit card but as a supplement to another primary card, especially because there are no fees. This is because the rewards on purchases outside the mentioned shops are very average, and many other cards offer much more substantial rewards for general use.
Pros
- No annual fee
- Decent insurance
- Decent rewards
Cons
- Limited rewards
- Income requirements
Rewards
- 45 points per $1 dollar spent at Shoppers Drug Mart® stores
- 30 points per $1 dollar spent at Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi & cie, no frills, Provigo, Real Canadian Superstore, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs
- 20 points per $1 spent in PC travel
- 19 points per $1 dollar spent at ESSO and Mobil (it's 30 points per liter and the assumption of average gas price of $1.6 was made)
- 10 points per $1 dollar spent for everything else
Insurance
Coverage
Travel Medical Insurance (64 & under)
$1M, Up to 10 days.svg?dpl=dpl_2PjTeA8tiQHFYmvfKUZ7cKuRNfsn)
Car Rental Damage & Theft
Up to 31 days
Purchase Protection
90 days
Extended Warranty
Doubled up to a year
Benefits
Details
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Concierge Services
Identity Theft Assistance
Eligibility
Credit Score
Very GoodAnnual Income
$80,000 personal or $150,000 household
All products offered
1 product
Savings
Manulife Advantage Account
5 products
Chequing
PC Money™ Account
