Personal Finance

Superstore Gas. PC Debit or MBNA Smart Cash World.

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  • Jun 4th, 2016 2:53 pm
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Jr. Member
Apr 13, 2007
152 posts
66 upvotes
Hellfire wrote:
Dec 4th, 2012 10:56 pm
Buy Canadian Tire Gift Cards right now with the promo - Buy a $50 card get $5 bonus = 9.09% savings
So same fill - $109.90 - $9.99 (GC Savings) = $99.91 - $5 (5 cents / L in CT money) = $94.91 / 100 L = $0.9491
Savings are: 13.6%

Looks like I am going to stick with just buying a ton of CT gift cards to use for the year.
where is the Canadian Tire Gift Cards promo ?
Member
Jul 20, 2012
352 posts
45 upvotes
VANCOUVER
java wrote:
Dec 5th, 2012 12:40 am
In BC where I am, it is just 3.5 cents per liter (with any form of payment) wish we had the 10.5 cents / liter deal, I'd break out my PC Mastercard for that.
In Vancouver, we get 7 cents/litre if we pay with PC mastercard/debit card:

Image

*oops forgot to account for 3.5c/L back if paying with Smart cash
So PC will always beat Smart Cash's 2% cash back as long as prices are below $3.50/L

Meanwhile if you are still in the 5%/6month promo period for smart cash, always use Smart Cash unless prices are below $0.875/L
Member
Mar 19, 2005
270 posts
7 upvotes
Coquitlam
Discombobulator wrote:
Dec 8th, 2012 10:35 pm
In Vancouver, we get 7 cents/litre if we pay with PC mastercard/debit card:

Image

So if gas prices are below $1.40/L, paying with PC is better. If prices are above $1.40/L, then Smart Cash's promotional 5% cash back provides a better return.
Which superstore? My local is flat 3.5.

Your math is flawed. To match .07 per litre with mbna smart card, gas must be at .70/litre......(.70 * .05 + .035).
At regular rate of 2%, then price must be 1.75/L.
Member
Jul 20, 2012
352 posts
45 upvotes
VANCOUVER
Grandview Hwy

oops you're right I forgot to account for the 3.5c/L you get for using other payment methods d'oh
Sr. Member
User avatar
Jul 29, 2004
507 posts
27 upvotes
Calgary
game wrote:
Dec 9th, 2012 3:59 pm
Which superstore? My local is flat 3.5.

Your math is flawed. To match .07 per litre with mbna smart card, gas must be at .70/litre......(.70 * .05 + .035).
At regular rate of 2%, then price must be 1.75/L.
good catch.

this is an interesting analysis as it can prove helpful to know the cutoffs for some of the other CC's out there.

Assuming 7cents/L superbucks for PC or 3.5 cents/L superbuck for other payments, see the chart below:

Code: Select all


*** RCSS Gas Bar ***

When to Pay with PC Points vs. Other Credit Cards

If your CC has		Use your CC if Gas Price >= y
x% Cashback ...		$/L 

x%			$(y)/L
=========		======
5%			$0.70/L
4%			$0.88/L
3%			$1.17/L	
2%			$1.76/L
1%			$3.52/L
Example #1: MBNA SmartCash Card (promo period), 5% cashback.

Say the price of gas at the RCSS gas bar is $1.00/L.
For 5% CB cards, the cutoff is $0.70/L.
Since $1.00/L > $0.70/L or in other words: the price of gas is *greater* than the cutoff price (from the chart).
You will get a better rate of return by using your MBNA SC.

Example #2: MBNA SmarCash Card (non-promo), 2% cashback.

Say the price of gas at the RCSS gas bar is $1.18/L.
For 2% CB cards, the cutoff is $1.76/L.
Since $1.18 < $1.76/L or in other words: the price of gas is *less* than the cutoff price (from the chart).
You will get a better rate of return by paying with your PC Credit/Debit.
Jr. Member
Apr 13, 2007
152 posts
66 upvotes
JayWang wrote:
Dec 9th, 2012 5:06 pm

Say the price of gas at the RCSS gas bar is $1.18/L.
For 2% CB cards, the cutoff is $1.76/L.
Since $1.18 < $1.76/L or in other words: the price of gas is *less* than the cutoff price (from the chart).
You will get a better rate of return by paying with your PC Credit/Debit.

If you use PC Credit card, you get extra 1% return on top of the 7 cents/L
Deal Guru
Aug 2, 2001
12723 posts
3629 upvotes
wenbey wrote:
Dec 9th, 2012 10:08 pm
If you use PC Credit card, you get extra 1% return on top of the 7 cents/L
If you use their "world" card do you get an extra 2%?
Jr. Member
Apr 13, 2007
152 posts
66 upvotes
TrevorK wrote:
Dec 11th, 2012 11:22 am
If you use their "world" card do you get an extra 2%?
I asked customer service here is their answer : Thank you for your e-mail. In regards to your inquiry, you do not earn 20 PC Points per $1 spent for your fuel at a PC Gas Station. You earn the regular 10 points per $1 spent when shopping outside of our President's Choice stores.
Deal Fanatic
User avatar
Mar 20, 2009
8862 posts
2635 upvotes
Vancouver
There is no sign indicating 7c / litre back for using PC debit/credit at the Richmond BC Superstore gas bar (and never has been), but I asked them about it, and they said that was true.
[OP]
Sr. Member
User avatar
Dec 27, 2007
724 posts
79 upvotes
Edmonton
Was in Calgary visiting family and friends. Pumped gas at the Sunridge NE Superstore location. Pumped about $47 of gas. Grab my Superbuck only to realize the amount was a little too much. Strange. I usually pump $55-60 and only get $5. This Superbuck was $6.78, like huh?Check Superbuck receipt and it says "Superbuck value today is $14.0 cents off /litre".

I'm assuming this is a mistake as the sign on the gas pump said 7 cents off/litre only.
Deal Fanatic
User avatar
Sep 7, 2003
7282 posts
249 upvotes
Edmonton
dj_rice wrote:
Dec 26th, 2012 9:35 pm
Was in Calgary visiting family and friends. Pumped gas at the Sunridge NE Superstore location. Pumped about $47 of gas. Grab my Superbuck only to realize the amount was a little too much. Strange. I usually pump $55-60 and only get $5. This Superbuck was $6.78, like huh?Check Superbuck receipt and it says "Superbuck value today is $14.0 cents off /litre".

I'm assuming this is a mistake as the sign on the gas pump said 7 cents off/litre only.
Naw boxing day promo - Double the superbucks today
Member
Feb 1, 2006
230 posts
19 upvotes
Can anyone confirm that you get only the "base PC Points" if you tap for PC Points and pay with a non-PC card at Superstore Gas?

For example, here in my region of BC the offer is 3.5 cents/L in PC Points or 7 cents/L in PC Points with PC debit or credit card.

Has anyone ever gotten the double, or 7 cents/L with a non-PC payment card?
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