Shopping online for the holidays? Earn additional cash back on all of your purchases! Sign up today and earn $30!
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PC Financial® Mastercard®

Card Value & PC Optimum Points Calculator
card
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.
Ads & Promos
Check out the current promotions for Shoppers Drug Mart!
Earn cash back on top of the rewards you would normally earn shopping online through Rakuten Rewards.

Earning Rewards

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

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Card 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.

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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