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
$366
$266 in years after
Annual Rewards
$266
PC Financial
First Year Bonus
$100
PC Financial
Annual Fee
$0
First Year Value
$366
$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
Very Good
Welcome Bonus
100,000 PC after approval of the application
Card Type
Category: Points
Loyalty Program: PC Financial
Our Rating
3.1/5
Institution
PC Financial
Rewards
PC World Elite Mastercard Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
ShoppersDrugMart
10,530 points
Participating grocery stores at President's Choice rewards
23,220 points
ESSO, MobilGas
4,924 points
All other purchases
227,328 points
Net Annual Rewards
266,002 points
Valued at $266
Rewards Summary
Net Annual Rewards
266,002 points
Valued at $266
First Year Card Bonus
100,000 points
Valued at $100
First Year Card Value
366,002 points
Valued at $366
Point Redemptions
Groceries And Esso Gas
$366
Insurance & Benefits
Insurance
Coverage
Emergency Out of province Medical
$1M, Up to 10 days.svg)
Car Rental Damage & Theft
Up to 31 days
Purchase Protection
90 days
Extended Warranty
Doubled up to a year
Benefits
Details
.svg)
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.