pc mastercard

PC® Mastercard®

3.1/5

Up to 100,000 PC points ($100 value)

Apply Now
pc mastercard

PC® Mastercard®

Apply Now

Rewards Calculator Algorithm

You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.

Finly factors in all the reward limits and fine prints of every single credit card.


Your Spending

Modify your spending numbers and click update to get the most accurate reward estimates.

$2,000

Restaurant, Fast Food & Coffee Shop

$

Grocery

$

Recurring Purchases (Bills, Subscriptions, Rent via Chexy)

$

Gas

$

Transportation

$

Entertainment (Movies, Concerts, etc.)

$

Foreign Purchases (Non $CAD)

$

Travel (Flights, Hotels, etc.)

$

Pharmacy

$

Online Shopping

$

Home Improvement (Renovation, Furniture)

$

Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Purchases Not Specified

$

Card Details

Based on $2,000 spending

First Year Value

$345.84

Annual Rewards

$245.84

PC Financial

First Year Bonus

$100

PC Financial

Annual Fee

$0

First Year Value

$345.84

$245.84 in years after

Interest Rates

Cash Advance: 22.97% - 27.97% (not for Quebec)

Purchase: 21.99% - 26.99% (not for Quebec)

Annual Fee

$0

Annual Income

Personal: N/A

Household: N/A

Credit Score

Fair

Welcome Bonus

Earn 75,000 points when you spend $50 or more at participating Loblaw banner stores within 60 days of account approval. Earn 25,000 points when you spend $50 or more in total purchases at Esso™ or Mobil™ gas stations in Canada within 60 days of account approval.

Card Type

Category: Points

Loyalty Program: PC Financial

Our Rating

3.1/5

Institution

PC Financial

Rewards


25 points per $1 dollar spent at Shoppers Drug Mart® stores
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 all other eligible purchases

PC® Mastercard® Points Calculator

Based on $2,000 spending


Rewards Breakdown

ShoppersDrugMart

5,850 points


ESSO, MobilGas

4,924 points


All other purchases

235,068 points


Net Annual Rewards

245,842 points

Valued at $245.84

Rewards Summary

Net Annual Rewards

245,842 points

Valued at $245.84


First Year Card Bonus

100,000 points

Valued at $100


First Year Card Value

345,842 points

Valued at $345.84

Point Redemptions

Groceries And Esso Gas

$345.84

Insurance & Benefits


Insurance

Coverage

  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    1 year

Benefits

Details

  • reward cup

    Extra points

    20 points per $1 spent in PC Travel

Pros & Cons


Pros

  • Generous points system: Earn high points at Loblaw-affiliated stores, Esso™ and Mobil™ stations, and Shoppers Drug Mart®.
  • No annual fee: Enjoy all the rewards and benefits without paying a yearly fee.
  • Extended Warranty and Purchase Assurance: Doubles the manufacturer's warranty for up to an additional year and covers items against theft, loss, or damage for 90 days.
  • Convenient points tracking: Easily track your PC Optimum™ points and personalized offers by linking your PC® Mastercard® account to your PC Optimum™ account.
  • Mobile app access: Manage your account on the go with the PC Financial® app.

Cons

  • Low base earn rate outside PC-affiliated stores: Earn only 10 points per $1 spent on purchases outside Loblaw-affiliated stores and partners, which may not be competitive compared to other cards.
  • High purchase and cash advance interest rates: Purchase interest rate is 21.99% and cash advance rate is 22.97%, which is standard but could be a concern if you carry a balance.

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