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.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Card Details
Based on $2,000 spending
Annual Rewards
$258.5
PC Financial
First Year Bonus
$100
PC Financial
Annual Fee
$0
First Year Value
$358.5
$258.5 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: $50,000
Household: $80,000
Credit Score
Good
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
3/5
Institution
PC Financial
Rewards
- 35 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 all other eligible purchases
PC® World Mastercard® Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
ShoppersDrugMart
8,190 points
Participating grocery stores at President's Choice rewards
20,640 points
ESSO, MobilGas
4,924 points
All other purchases
224,748 points
Net Annual Rewards
258,502 points
Valued at $258.5
Rewards Summary
Net Annual Rewards
258,502 points
Valued at $258.5
First Year Card Bonus
100,000 points
Valued at $100
First Year Card Value
358,502 points
Valued at $358.5
Point Redemptions
Groceries And Esso Gas
$358.5
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Doubled up to a year
Benefits
Details
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Concierge Services
24-hour access to experienced concierge staff
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.