PC Financial World Mastercard

Benefits & PC Optimum Points Calculator
Review the benefits of the PC Financial World 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 World Mastercard® is the middle-tier card in the PC Optimum program. It earns 20 PC Optimum points per $1 spent at Loblaw Companies and with PC Travel, and 10 points per $1 spent everywhere else.

Card Details At-A-Glance

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Issued By
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Annual Fee
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Foreign Transaction Fee
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PC Financial World Mastercard earning rates

20X Loblaw Companies

The PC Financial Mastercard earns 20 PC Optimum points per dollar spent with Loblaw Companies. This includes 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 BeautĂ©

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 World 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 World Mastercard benefits

Shopping Insurance

PC Financial World 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 World 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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