I confirmed Esso Price Privilege card works at Mobil along with PC optimum and PC Mastercard in same transaction
1. At the pump enter phone number to lookup PC optimum account (add phone # in the app beforehand)
2. Insert Price Privilege card
3. Insert PC Mastercard (tap does not work)
Receipt shows I earned 7c/liter (700 points per 10 liters) but actual point posted in the account is slightly less (~2.5% less). I did math and saving is about 50 cents for a 60L fillup compared to using PC mastercard alone. I wouldn't make regular habit of it as tapping PC mastercard is so much quicker.
At what point using PC mastercard to pay for gas does not make sense?
In my area it's 3.5c/liter with PC optimum and 7c/liter if you pay with PC mastercard. You also earn 1% back from PC mastercard on top.
If you have 4% credit card, anytime gas is over $1.16 (eg: scotia momentum)
If you have 2% credit card, anytime gas is over $3.50 (eg: Tangerine, MBNA smart cash)
The second scenario is unrealistic right now. I believe Scotia momentum Visa does not make sense for most of us (eg: unable to pay at Costco, and only 1% more at Loblaws group). It's very difficult to recoup $99 fee just doing groceries and gas.
Is Canadian Tire triangle WE card better?
My conclusion is a no based on following
1. 7c/liter on premium, 5c/liter on plus and regular. Let's assume 6c/liter for this purpose.
2. 3% back on groceries and gas except Costco and Walmart. At loblaws group it's same 3% as PC WE.
2a. 3% at remaining grocery chains (Safeway, Sobeys, Coop, etc) - prices are generally higher at those places than Walmart/Costco/Superstore. Unless you live far away from those and don't have a car it would not make sense.
3. Canadian Tire/Marks/SportCheck (4%) - amount spent at those places for average people would not add up to make a difference. Also you can get 20% off gift card deals several times a year on them.