1.8
/5
PC Financial
PC® Mastercard®Points Calculator
20,000 PC points ($20 value)
Our Take
The PC® Mastercard® is a great no-fee card for those who frequently shop at Loblaw-affiliated stores, gas stations, and Shoppers Drug Mart. The ability to earn up to 25 points per $1 spent makes it ideal for families and individuals who want to maximize their grocery and fuel savings. However, if your spending occurs more frequently outside these stores, you might consider a card with higher rewards in more categories.
Card Details
Interest Rates
Purchase: 21.99% - 26.99% (not for Quebec)
Cash Advance: 22.97% - 27.97% (not for Quebec)
Annual Fees
Main Card: $0
Additional Cards: 0
Welcome Bonus
Earn 20,000 points when you get approved.
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Card Type
Credit
Our Rating
1.8/5
Institution
PC Financial
How You Earn 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
Extended Warranty
Benefits
Details
Extra points
Pros & Cons
Pros
- Decent optimization
- No annual fee
- Decent insurance
- Convenient point tracking
- Mobile app access
Cons
- Low base earn rate
- High interest rates