PC Financial Mastercard Calculator

Card Details & PC Optimum Points Calculator
20x PC Travel
10x Loblaw & Partners
10x Everything Else
Bonus Points @ Esso & Mobil
Purchase Protections

Calculate how many PC Optimum Points you can earn with the PC Financial Mastercard based on your spend and compare against top cards.

Bonus Categories

The PC Financial Mastercard technically features one bonus category and that's purchases made with PC Travel. All other purchases made with the card are based on the non-category rate along with bonus points in which you would get for being a PC Optimum member. There's no limit to the amount of PC Optimum Points you can earn with the PC Financial Mastercard.

  • 20x PC Travel
  • 10x Loblaw Companies
    • Loblaw Companies counts as purchases made at the following markets/stores:
      • Loblaws
      • NoFrills
      • Valu-Mart
      • Zehrs
      • Real Canadian Superstore
      • Independent
      • Fortinos
      • Wholesale Club
      • Joe Fresh
      • NoFrills Won't Be Beat
      • Atlantic Superstore
      • Loblaws CityMarket
      • Shoppers Drug Mart
      • Beauty Boutique
      • Maxi
      • Pharmaprix
      • Provigo
      • Dominion
      • Galerie Beauté
  • 10x Esso & Mobile*
  • 10x Everything Else

*The PC Financial Mastercard will earn you 10 points per $1 spent (non-category rate) along with additional points per litre. You can 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.

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.

Perks & Benefits

The PC Financial Mastercard comes with purchase protections.

Sign Up Bonus (SUB)

There is no standard sign up bonus for the PC Financial Mastercard.

Fees & Income Requirements

Annual Fee

The PC Financial Mastercard does not have an annual fee.

Authorized User Fee

There is no fee to add additional users to the PC Financial Mastercard.

Foreign Transaction Fee

The PC Financial Mastercard has a 2.5% foreign currency conversion rate.

Income Requirements

There are no listed income requirements for the PC Financial Mastercard.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.

Rakuten Rewards

Earn additional cash back when booking travel and shopping online using Rakuten. It's an easy way to double and triple dip on rewards. Sign up for free through The Point Calculator to earn bonus cash back and to help out the site!
Sign Up For Free
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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