PC FinancialĀ® MastercardĀ® Value & Points Calculator

PC FinancialĀ® MastercardĀ®

The PC Financial MastercardĀ® is the only card in the PC Optimum program that has no income requirement which makes is easier to obtain than the others. It earns 20 PC Optimum points per $1 spent on PC Travel purchases and 10 points per $1 spent on all other purchases including those made at Loblaw Companies.

Rewards Rates

Earn 20 points for every $1 spent with PC Travel.
Earn 10 points for every $1 spent on all other purchases.

Note: All PC Optimum members earn 15 points per dollar at Shoppers Drug Mart and Pharmaprix. So you will earn a total of 25X points when you pay for purchases at these Loblaw companies using your PC Financial Mastercard.

Key Cardholder Benefits

  • Add up to four free additional cards on your account for family members, so you can earn points even faster.

Rewards Value

Redemption options Redemption value
All redemptions 0.1 cents

PC Optimum points 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.

Annual Fees

The PC Financial Mastercard has a $0 annual fee.

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.

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Top Partner Offers

Earn 10% Back
Unlimited 2% Money-Back at No Annual Fee with No Minimum Income Requirement.
Earn 10% Back
Unlimited 2% Money-Back, Lounge Access, & Travel Insurance at No Annual Fee.
Up to 70,000 points
High Earning Rate, $150 in Annual Travel-Fee Refunds, Top-Notch Travel Insurance, & NBC Lounge Access.
Calculate Total Rewards & Card Value Per $1 Spent For 100+ Canada Credit Cards
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