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
$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
Card Details
Info
Card Type | Points |
Our Rating | 2.3/5 |
Institution | PC Financial |
Loyalty Program |
Fees & Rates
Annual Fee | $0 |
Interest Rates | Purchase: 21.99% Cash Advance: 22.97% |
Eligibility
Credit Score Estimate | Very Good |
Annual Income | Personal: $80,000 Household: $150,000 |
Bonuses
Welcome Bonus | 20,000 PC points ($20 value) |
Description | Earn 20,000 points when you get approved. |
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
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
20,000 points
Valued at $20
First Year Card Value
266,002 points
Valued at $286
Point Redemptions
Groceries And Esso Gas
$286