PC Financial Mastercard

PC Financial Mastercard

Welcome Bonus


Best For

Year 1


Years 2 and +


Annual Fee


Interest rates
Purchase Rates

20.97 %

Cash Advance Rates

22.97 %

Balance Transfer Rates

Your Monthly Spending



Fees & Conditions

Personal Income $0
Household Income $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 20.97%
Cash Advance Rates 22.97%


Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP lounges
First-Year Offer Value
Accumulated rewards
Annual fee
Net value

Reward points value

We have established a valuation of the reward point in cents for each loyalty program. More information on the points valuation page.

First-year value

For all credit cards offers, we estimate the value of the welcome offer (bonus, annual fee rebate) in the first year, plus the value of the rewards earned based on your purchases entered in the calculator for the six categories:

  • Grocery
  • Gas/Transit
  • Meals
  • Travel
  • Bills
  • Other purchases

First-Year Net Value = Welcome Bonus Value + Benefits (Annual Credit, VIP lounges, etc.) + Earned Rewards First-Year Annual Fee

Value of subsequent years

For the value of subsequent years, we consider the earned rewards based on your purchases indicated in the calculator and any benefits offered.

Subsequent years’ net value = Earned Rewards + Benefits (Annual Credit, VIP lounges, etc.) Annual fee

VIP lounges:

For credit cards with complimentary airport lounge access, this benefit is calculated as follows:

  • 1 access = $35
  • Unlimited access = $350 (the value of 10 annual visits)




All Spending 10 points
Drugstores 25 points
Groceries 10 points
Convenience Stores 10 points
Gas 10 points
Telecom/Internet 10 points
Local Transport 10 points
Streaming services 10 points
Dining and Food delivery 10 points
Online transactions 10 points
Recurring Payments 10 points
Office Supplies 10 points
Travel 10 points
Entertainment 10 points


Purchase Protection
3 Milesopedia Rating