PC Financial® Mastercard®
Fees
Earning Rates
- Earn 20 points for every $1 spent with PC Travel.
- Earn 10 points for every $1 spent on all other purchases.
Rewards Details
- Points earned with the PC Financial Mastercard have a value of 0.1 cents each. You can redeem points in 10,000-point increments for $10 in cash value to use with Loblaw Companies.
PC Optimum Points Calculator
Input your monthly and yearly spend into the PC Financial Mastercard point calculator to see how many PC Optimum points you can earn. Compare the results side by side up to 2 credit cards to find out which cards are best for you.
Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.
NOTE: The rewards that are based on litre are not included in the PC Financial calculators. The calculator will only calculate the points earned per $1 spent.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
Card Details
Earning Rates
The PC Financial Mastercard earns PC Optimum points at the following rates:
- 20 points for every $1 spent with PC Travel.
- 10 points for every $1 spent on all other purchases.
All PC Optimum members earn 15 points per dollar at Shoppers Drug Mart. So you will earn a total of 25 points for every $1 spent when you pay for purchases at these Loblaw companies using your PC Financial Mastercard.
Rewards Value & Calculator
Fees
Annual Fee
The PC Financial Mastercard has no annual fee.
Authorized User Fee
There is no fee to add authorized users to the PC Financial Mastercard.
Foreign Transaction Fee
The PC Financial Mastercard has a foreign currency conversion fee of 2.5%. This means you will be penalized when using this card to make purchases that are not in Canadian Dollars.
