PC Financial Mastercard

Benefits & PC Optimum Points Calculator
Review the benefits of the PC Financial Mastercard and calculate how many PC Optimum points you can earn based on the spend amounts you enter.
Last Updated 2022-06-20

The PC Financial Mastercard® 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.

Card Details At-A-Glance

Issued By
Annual Fee
Foreign Transaction Fee

PC Financial Mastercard earning rates

20X PC Travel

The PC Financial Mastercard earns 20 PC Optimum points per dollar spent with PC Travel. You can book flights, hotels, car rental, and vacations through PC Travel.

10X Everything Else

All other purchases with the PC Financial Mastercard will earn you 10 PC Optimum points per $1 spent. This includes purchases made with Loblaw companies.

Bonus Points with Esso and Mobil

When making purchases with Esso and Mobil, you will earn 10 points per litre when you pay with the PC Financial Mastercard and 10 points per litre as a PC Optimum loyalty member. You can also earn an additional 10 points per litre when you buy premium gasoline.

PC Financial Mastercard benefits

Shopping Insurance

PC Financial Mastercard points 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.

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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