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
$412.95
$162.95 in years after
Annual Rewards
$282.95
PC Financial
First Year Bonus
$250
PC Financial
Annual Fee
$120
First Year Value
$412.95
$162.95 in years after
Interest Rates
Cash Advance: 22.97% - 27.97% (not for Quebec)
Purchase: 21.99% - 26.99% (not for Quebec)
Annual Fee
$120
Annual Income
Personal: $80,000
Household: $150,000
Credit Score
Very Good
Welcome Bonus
Earn 250,000 PC Optimum™ points after you make a minimum of $3,000 CDN in total qualifying purchases with your new PC Insiders™ World Elite® Mastercard®. Purchases must be made within 4 months of the date of the PC Financial® email confirming that your account is approved. Qualifying purchases excludes refunds, cash advances, balance transfers, interest charges, fees, credit or debit adjustments.
Card Type
Category: Points
Loyalty Program: PC Financial
Our Rating
3.6/5
Institution
PC Financial
Rewards
- Up to 70 points per litre (7¢ / litre in points)* at Esso™ and Mobil™ stations in Canada (50 points / litre + 20 points / litre extra when you fill up over 150 litres in one calendar month)
- 50 points per $1 dollar spent at Shoppers Drug Mart® stores
- 40 points per $1 dollar spent at Loblaw® banner grocery stores (e.g. Loblaws®, Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi® & cie, no frills®, Provigo, Real Canadian Superstore®, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs) 40 points per $1 spent Joe Fresh® stores
- 20 points per $1 spent in PC travel
- 10 points per $1 dollar spent on all other purchases
- Unlimited $0 grocery delivery and pickup on eligible orders of $35 or more with a complimentary PC Express™ Pass (valued at $99.99 per year)
PC Insiders™ World Elite® Mastercard® Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
ShoppersDrugMart
11,700 points
ESSO, MobilGas
12,960 points
Participating grocery stores at President's Choice rewards
30,960 points
All other purchases
227,328 points
Annual Fee
- $120
Net Annual Rewards
282,948 points
Valued at $162.95 (after fees)
Rewards Summary
Net Annual Rewards
282,948 points
Valued at $162.95 (after fees)
First Year Card Bonus
250,000 points
Valued at $250
First Year Card Value
532,948 points
Valued at $412.95
Point Redemptions
Groceries And Esso Gas
$412.95
Insurance & Benefits
Insurance
Coverage
Emergency Out of province Medical
$1M/person, up to 10 days.svg)
Car Rental Damage & Theft
Vehicle MSRP under $65,000 and up to 31 consecutive days
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
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Concierge Services
24/7 concierge service
Identity Theft Assistance
avoid identity theft or restore identity
Pros & Cons
Pros
- Generous points system: High points earned at Loblaw banner stores, Shoppers Drug Mart®, Joe Fresh®, and Esso™/Mobil™ stations, making it ideal for frequent shoppers at these stores.
- PC Express™ Pass: Unlimited $0 online grocery delivery and pickup, valued at $99.99 per year for eligible orders.
- Additional perks: 24/7 concierge services, Mastercard Global Service™, car rental insurance, and identity theft assistance.
- Travel emergency medical insurance: Covers trips up to 10 days for individuals under 65 years of age.
- Extended warranty and purchase assurance: Free purchase assurance covers theft, loss, or damage for 90 days, and extended warranty doubles the manufacturer's warranty for up to an additional year.
Cons
- Annual fee: After the first year, the $120 annual fee applies, which may be high for some users, especially those who don’t maximize their spending at PC-affiliated stores.
- Lower earn rate for general purchases: The card offers only 10 points per $1 on purchases outside of Loblaw banner stores, Shoppers Drug Mart®, and other affiliated partners.
- Income requirements: There may be income requirements to qualify for this World Elite card, making it less accessible for some applicants.