Card Details
Based on $2,000 spending
First Year Value
$286
$266 in years after
Annual Rewards
$266
PC Financial
First Year Bonus
$20
PC Financial
Annual Fee
$0
First Year Value
$286
$266 in years after
Interest Rates
Cash Advance: 22.97%
Purchase: 21.99%
Annual Fee
$0
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
Earn 20,000 points when you get approved.
Our Rating
2.3/5
Institution
PC Financial
Rewards
- 45 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 everything else
Insurance & Benefits
Insurance
Coverage
Emergency Out of province Medical
$1M, Up to 10 days
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Car Rental Damage & Theft
Up to 31 days
Purchase Protection
90 days
Extended Warranty
Doubled up to a year
Benefits
Details
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Concierge Services
Identity Theft Assistance
Pros & Cons
Pros
- Out-of-province medical insurance, concierge service, and car rental damage insurance—benefits that are usually included with cards that have fees—are included with this card.
- Decent rewards on purchases at Shoppers Drug Mart®, Loblaw's owned chains, and ESSO and Mobil gas stations.
Cons
- Many other high-spend categories don't earn as many rewards. Shopping at any other grocery chains, gas stations, or pharmacies will only give the base reward rate, and restaurant purchases and purchases in other categories don't earn much either.