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 so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
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
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Card Details
Based on $2,000 spending
First Year Value
$432.95
$162.95 in years after
Annual Rewards
$282.95
PC Financial
First Year Bonus
$150
PC Financial
Annual Fee
$120
$0
First Year Waived
First Year Value
$432.95
$162.95 in years after
Card Details
Info
Card Type | Points |
Our Rating | 2.9/5 |
Institution | PC Financial |
Loyalty Program |
Fees & Rates
Annual Fee | $120 (first year waived) |
Interest Rates | Purchase: 21.99% - 26.99% (not for Quebec) Cash Advance: 22.97% - 27.97% (not for Quebec) |
Eligibility
Credit Score Estimate | Very Good |
Annual Income | Personal: $80,000 Household: $150,000 |
Bonuses
Welcome Bonus | Up to 150,000 PC Optimum™ points ($150 value) |
Description | Earn 150,000 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. |
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
150,000 points
Valued at $150
First Year Card Value
282,948 points
Valued at $432.95
Point Redemptions
Groceries And Esso Gas
$312.95