PC Optimum factors: Find out how to maximize your rewards in 2023

	Product or account	Options
PC Optimum membership	Loyalty program	• Earn factors on choose in-store and on-line purchases at Loblaw grocery shops • 15 factors per $1 spent (1.5%) at Customers Drug Mart • 10 factors per litre at Esso/Mobil • No annual payment
PC Monetary Mastercard*	Bank card	• Earn 10 factors per $1 spent (1%) at Loblaw grocery shops • 25 factors per $1 (2.5%) at Customers Drug Mart • 30 factors per litre at Esso/Mobil • 10 factors per $1 (1%) in every single place else • No annual payment • Minimal revenue: n/a
PC Monetary World Mastercard*	Bank card	• Earn 20 factors per $1 spent (2%) at Loblaw grocery shops • 35 factors per $1 (3.5%) at Customers Drug Mart • 30 factors per litre at Esso/Mobil • 10 factors per $1 (1%) in every single place else • No annual payment • Minimal revenue: $60,000/$100,000
PC Monetary World Elite Mastercard*	Bank card	• Earn 30 factors per $1 spent (3%) at Loblaw grocery shops • 45 factors per $1 (4.5%) at Customers Drug Mart • 30 factors per litre at Esso/Mobil • 10 factors per $1 (1%) in every single place else • No annual payment • Minimal revenue: $80,000/$150,000
PC Cash Account	Checking account	• Earn 10 factors per $1 spent (1%) at Loblaw grocery shops • As much as 25 factors per $1 (2.5%) at Customers Drug Mart • 5 factors per $1 (0.5%) in every single place else • As much as 5,000 factors per 30 days when utilizing automated invoice funds • As much as 5,000 factors per 30 days for direct depositing your paycheque • No month-to-month payment

The PC Optimum rewards program enables you to earn factors redeemable for merchandise at Loblaw-affiliated grocery shops, Customers Drug Mart, and Esso and Mobil gasoline stations. Incomes and redeeming factors is straightforward. There are many methods to earn factors whenever you store, and you may redeem 10,000 PC Optimum factors for $10 off just about something accessible at collaborating shops. Simply inform the cashier and the financial savings come off on the until. Savvy consumers can accumulate much more factors with a PC Cash Account or by paying with one in all three PC Credit cards. Learn on to find the best way to maximize your PC Optimum rewards.

Trying to purchase a brand new cellphone and earn extra PC Optimum factors? Dial in on this: You’ll be able to earn as much as 550,000 factors on choose telephones and plans with a tool trade-in at Cellular Store. That’s a $550 reward worth. Simply do it earlier than September 13, 2023.

The worth of PC Optimum factors

At Loblaw grocery shops and Customers Drug Mart, PC Optimum factors have to be redeemed in 10,000-point increments, and 10,000 factors have a price of $10. Because of this 1 PC Optimum level is price 0.1 cents, and 10 factors are price 1 cent. So, you may consider PC Optimum factors as having a price of 1% when redeeming at these shops.

The purpose worth can fluctuate when redeeming for gasoline purchases. While you replenish at an Esso station, you may redeem 4,000 PC Optimum factors for a reduction of 10 cents per litre (as much as a most of 40 litres). Getting the total 40 litres provides you $4 in financial savings—a degree worth of 0.1 cents (or 1%). 

Nevertheless, you’ll need to redeem 4,000 factors to get the low cost, even if you are going to buy underneath 40 litres of gasoline. This will decrease the redemption worth. Buying 30 litres of gasoline, for instance, provides you a degree worth of 0.075 cents (or 0.75%). 

Redeeming for automobile washes can assist stretch your factors additional. At Esso stations, you may redeem 10,000 factors for any free automobile wash. Redeeming for any automobile wash price greater than $10 pushes the purpose worth above the same old 1%. Get a $15 automobile wash and your PC level worth jumps to 1.5%. 

Observe which you can earn factors at Mobil stations, however you may’t redeem factors there.

The place to earn PC Optimum factors

There’s an enormous number of retailers within the PC Optimum program all throughout the nation. Main companions embrace: 

• Loblaw-owned grocery shops, together with Loblaws, No Frills, Actual Canadian Superstore, The Unbiased Grocer, Zehrs, Fortinos, Further Meals, Wholesale Membership and Dominion. 
• Customers Drug Mart and Pharmaprix drugstores
• Esso and Mobil gasoline stations
• Joe Contemporary
• The Cellular Store
• Theodore & Pringle Optical

Lastly, you may earn PC Optimum factors on any buy whenever you use one of many three PC Monetary Credit cards listed beneath.

Find out how to earn PC Optimum factors 

Consider a fundamental PC Optimum membership as your entry-level go to this system. Use the PC Optimum card or app to earn factors whenever you store at affiliated shops on-line or in individual, and in addition by way of customized gives. Factors could be earned at greater than 4,500 places throughout the Loblaw household of grocery shops, in addition to Customers Drug Mart (or Pharmaprix in Quebec), and Esso and Mobil gasoline stations.

There are a lot of methods to earn PC Optimum factors. The earn fee is dependent upon the place you store, the promotions occurring in shops, the cardboard(s) you maintain and the opposite PC companies you utilize. Factors earned by way of customized gives and in-store promotions fluctuate. In any other case, you may earn:

• 15 factors on virtually each $1 spent at Customers Drug Mart and Pharmaprix
• 10 factors per litre of gasoline and per $1 spent on comfort gadgets and automobile washes at Esso gasoline stations
• A variable variety of factors at Mobil gasoline stations (charges fluctuate by station)

In-store gives

While you’re strolling the aisles at collaborating shops, hold an eye fixed out for the PC Optimum emblem. In-store gives allow you to earn extra on on a regular basis gadgets. For instance, Customers Drug Mart periodically has a promotion for 20x the factors. You will get your coupon by loading the provide in your weekly e-mail or opening your Customers or PC Optimum app. Be proactive by checking flyers upfront whenever you’re writing up your buying record.

Personalised gives

While you register for customized gives, you’ll obtain gives each Thursday for gadgets you’ve bought earlier than or are more likely to be concerned about (based mostly in your transaction historical past). Examples embrace bonus factors on sure gadgets, additional factors with a minimal spend, and bonus factors days when you will get reductions whereas incomes additional factors. These gives are nice, low-effort methods to multiply your earnings.

Different PC companies

Give your factors steadiness a severe bump whenever you join a no-fee PC Monetary Mastercard. You’ll earn factors on each buy you make, regardless of the place you make them. Plus, whenever you swap out your chequing account for a PC Cash Account, you’ll speed up your earnings in every single place you store.

Increase your PC Optimum rewards with a PC Monetary Mastercard

Bump up your PC Optimum factors earn fee and earn rewards in every single place with one of many three no-fee PC Monetary Credit cards.

At a look: The PC Monetary Mastercard has no annual payment and no minimal revenue requirement, making it a completely accessible approach to earn PC Optimum rewards regardless of the place you store. With accelerated grocery, gasoline, drugstore and journey bonus classes, you’ll attain your factors objectives even quicker. 

• Annual payment: $0
• Rates of interest: 21.99% on purchases, 22.97% on money advances, 22.97% on steadiness transfers
• Earn fee: 25 factors per $1 spent at Customers Drug Mart; no less than 30 factors per $1 at Esso and Mobil gasoline stations; 20 factors per $1 at PC Journey; 10 factors per $1 on all the things else
• Welcome provide: You’ll be able to earn 20,000 PC Optimum factors

• Annual revenue requirement: None

Professional

• Earn factors on all of your purchases, and get extra factors at Customers Drug Mart and Esso and Mobil gasoline stations than you’ll by merely being a PC Optimum member.
• This card comes with no payment and is accessible regardless of your annual revenue, making it an excellent match for youthful individuals.
• Stand up to 4 free playing cards for relations.

Con

• This card doesn’t include journey insurance coverage or different perks. 
• The earn fee on groceries is barely 10 factors per $1 spent regardless of the place you store, so if you happen to spend $100 on groceries and pay utilizing this card, you’ll earn 1,000 factors (a price of $1, or 1%). You’ll be able to earn double that worth in money again with the no-fee Tangerine Cash-Again Card.

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At a look: The PC Monetary World Mastercard is on the market to individuals who have an annual revenue of greater than $60,000 (or $100,000 for the family). With this card you’ll get pleasure from boosted earn charges with out having to pay any annual payment.

• Annual payment: $0
• Rates of interest: 21.99% on purchases, 22.97% on money advances, 22.97% on steadiness transfers
• Earn charges: 35 factors per $1 spent at Customers Drug Mart and Pharmaprix, 30 factors per $1 at Esso and Mobil gasoline stations, 20 factors per $1 at Loblaw banner shops, 20 factors per $1 at PC Journey, 10 factors per $1 on all different purchases
• Welcome offer: You’ll be able to earn 20,000 PC Optimum factors ($20 worth).
• Annual revenue requirement: Private revenue of $60,000 or family revenue of $100,000

Professional

• This card bumps up the earn fee on groceries bought at Loblaw banner shops to twenty factors per $1 spent, doubling what you’d get with the PC Monetary Mastercard.
• In comparison with a PC Monetary Mastercard, there’s a soar of 10 factors per $1 spent on Customers Drug Mart purchases (from 25 factors to 35 factors). For instance, a $50 buy will add 1,750 factors (a price of $1.75) to your account with a PC Monetary World Mastercard, in comparison with 1,250 factors (a price of $1.25) with a PC Monetary Mastercard.
• With this card, you’ll have entry to 24/7 concierge companies, which can assist you with reserving and reservation requests.

Con

• Whereas the reward for buying at Loblaw shops is boosted with this card, it comes out to a 2% return, which is 1% lower than what’s supplied by the no-fee BMO CashBack Mastercard. 
• There is no such thing as a journey insurance coverage and few different perks.

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At a look: Those that make $80,000 yearly (or $150,000 as a family) are eligible for the PC Monetary World Elite Mastercard, which gives the perfect earn charges of any PC Monetary bank card, plus World Elite perks. Even higher, there’s nonetheless no annual payment. 

• Annual payment: $0
• Rates of interest: 21.99% on purchases, 22.97% on money advances, 22.97% on steadiness transfers

• Earn fee: 45 factors per $1 spent at Customers Drug Mart and Pharmaprix, 30 factors per $1 at Loblaw banner shops, 30 factors per $1 at Esso and Mobil gasoline stations, 30 factors per $1 on journey (together with flights, lodges, taxis, public transit), 10 factors per $1 on all different purchases

• Welcome provide: You’ll be able to earn 20,000 PC Optimum factors ($20 worth).

• Annual revenue requirement: Private revenue of $80,000 or family revenue of $150,000

Professional

• You’ll earn 30 PC Optimum factors per $1 spent at Loblaw banner shops. This 3% earn fee is on par with the perfect charges supplied by different no-fee bank cards.  
• Along with buy safety, prolonged guarantee, and concierge companies, this card contains journey emergency medical insurance coverage, automobile rental collision/loss injury, and id theft help with out an annual payment.

Con

• You must have a excessive annual revenue to be able to benefit from this card’s boosted earn charges. Excessive-income earners could also be higher off with a payment card that provides higher earn charges and perks.
• You could cost no less than $15,000 yearly to the cardboard or you’ll routinely be downgraded to the PC Monetary World Mastercard.

Increase your rewards with a PC Cash Account

What’s PC Cash? 

Launched in 2020, the PC Cash Account is the latest monetary providing from President’s Selection, which joins different no-fee on-line banks to offer a reasonably complete suite of free on a regular basis banking companies whereas shaking issues up with the perk of incomes PC Optimum factors. Whereas incomes rewards factors is a typical good thing about utilizing a bank card, it’s much less typical whenever you do on a regular basis banking. 

So far as financial institution accounts go, the PC Cash Account gives a stable portfolio with free limitless on a regular basis transactions, together with money withdrawals (from PC Monetary ATMs or at choose factors of buy), invoice funds, account-to-account transfers and Interac e-Transfers. As this isn’t a standard chequing account, paper cheques usually are not accessible. Nevertheless, between point-of-purchase, invoice funds and Interac e-Transfers, you may nonetheless pay for all the things from meals to utilities to hire. And, the PC Cash Account card is extensively accepted. Use it wherever you may use Mastercard—in individual, on-line and internationally. 

Find out how to earn factors with PC Cash

While you store with the PC Cash financial institution card, you’ll earn 25 PC Optimum factors per greenback on purchases at Customers Drug Mart and 10 factors per $1 in every single place else (apart from banking transactions, like paying payments or e-Transfers). You’ll be able to hyperlink your card to your PC Optimum account to earn much more factors by way of customized gives. Plus, you may earn as much as 200,000 factors in bonuses throughout the technique of organising your account and making your first transactions—a price of $200. 

For individuals who store at Loblaw banner shops and associates, the PC Cash Account is a no brainer. It gives most, if not all, of the on a regular basis banking companies you want, matches seamlessly into the prevailing PC Optimum program and prices you nothing to make use of.

What’s PC Categorical Cross?

In April 2023, PC introduced its Categorical Cross, a grocery supply service which competes with the likes of InstaCart and UberEats. However it’s used at Loblaw banner shops, together with Loblaws, Zehrs, Freshmart, Actual Canadian Wholesale Membership, Actual Canadian Superstore, No Frills, and lots of, many others, wherever PC merchandise are bought. It can be used for selecting up orders, too.

You’re questioning about the price, proper? It’s $9.99 a month, or $99.99 a 12 months (which saves you over $20 if you happen to join the annual membership). It prices the identical because the streaming companies from Amazon Prime, so be sure you will use PC Categorical Cross for it to be of worth to you. There’s a one-month free trial interval. Right here’s what you’ll get with PC Categorical.

• limitless free pickup and supply on same-day, next-day or future orders over $35
• limitless variety of supply addresses (which might be of curiosity for caregivers of these dwelling independently) 
• on-line buying at 800-plus PC shops, together with Joe Contemporary and Customers Drug Mart
• simple cancellation
• capability to earn PC Optimum factors and redeem PC Optimum gives

Often requested questions