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.
$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
$
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
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
Calculating reward breakdowns
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
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.