Grocery Loyalty Programs: Which One Should You Choose to Maximize Your Savings?

Best grocery rewards programs

In Canada, several rewards programs help you save on groceries and earn points that can be redeemed for products, gift cards, or discounts. The three main ones are PC Optimum, MOI, and Scene+.

Grocery rewards programs – MOI Card at Metro and Super C

The Metro&moi program became MOI on May 25, 2023. Since then, points have been accumulated and redeemed at the following stores:

Base MOI points at Metro

Earning and redemption work the same way at Metro, Première Moisson, Jean Coutu, and Brunet.

If you buy $100 worth of groceries at Metro, you’ll earn 100 base Moi points. It’s easy!

As for Super C, there is no earning based on spending, so the only way to earn points is through personalized offers from mobile applications. So that same $100 in groceries won’t automatically get you 100 Moi points at Super C.

Here is an example of savings and points earned on a Metro receipt:

With the MOI program, points can be redeemed at any time, as long as you have at least 500 points in the bank, at all MOI stores.

Coupons with bonus points are also available on the app, the in-store kiosk and the Metro website.

MOI points via credit card

The RBC Visa Credit Card gives you double MOI points.

Another option is to link any RBC debit or credit card to earn MOI points. To earn these additional Moi points, you must make a minimum purchase at Moi program stores, swipe your Moi card at checkout and pay with your linked RBC card.

Our analysis reveals alternatives where you can earn five times more, such as with the American Express Cobalt^® Card. Check out the best credit cards for groceries.

Grocery rewards programs – PC Optimum Card at Maxi

Maxi, Provigo, and the other banners below use the PC Optimum program, which combines loyalty cards and special offers to maximize your points with every purchase. Here is how to use it effectively in 2026.

Base PC Optimum points

Every dollar spent in-store earns 1 PC Optimum point on most products. Certain categories offer bonuses:

Points earned are automatically added to your PC Optimum account. They can be redeemed for grocery dollars at Maxi, Provigo, Loblaws, and certain other banners. Learn more about the PC Optimum program.

PC Optimum points via card

If you link an eligible credit card to your PC Optimum account, you can get:

For more strategies, see our complete guide: Saving at Maxi and Provigo with PC Optimum. By planning your shopping and activating offers, you can earn hundreds of extra points each month, turning everyday purchases into real savings.

Grocery rewards programs – Scene+ Card at IGA

The Scene+ program‘s loyalty card isn’t just for movies and popcorn! It’s also featured at the Sobeys Group supermarkets across Canada, including the following grocery stores:

Base Scene+ points

There is no base earning rate. So even if you buy $100 worth of groceries, you won’t necessarily get 100 Scene+ points.

Scene+ points will be earned thanks to:

Offers change weekly and are available on the member’s profile on the IGA app. This is the same way Maxi and PC Optimum points work.

At IGA, there are many types of promotions, like this special coupon below.

$100 in purchases will give you 1,000 bonus points ($10 value or 10% cash back). Or, 400 Scene+ points are given with a minimum purchase of $50 ($4 or 8% value).

Then there are offers to purchase specific products.

Here, 100 Scene+ points ($1 value) with the purchase of 2 boxes of candy bars costing a total of $5.98. It’s as if the 2 boxes cost $4.98.

Having the Scene+ loyalty card at IGA also entitles you to discounts on products.

Scene+ points with card and offers

The best Scene+ credit card for the Scene+ loyalty card is the Scotiabank Gold American Express^® Card. It earns 6 points per dollar charged to the account! This is the best grocery earning rate in Canada.

So, a charge of just $167 at IGA (1,000 points divided by 6 points) on this credit card earns a $10 rebate at the checkout.

Let’s take the example of the Scene+ promotion at IGA, where a $100 grocery expenditure earns 1,000 points.

This promotion would give you:

The grand total would be 1,600 points earned, worth $16 or 16% off! And that is not even counting the points offered when buying targeted products or through your personal offers.

Comparison of grocery rewards programs

Combining offers, points, and prices

It’s easier to plan your points accumulation with the Moi program, thanks to its fixed base earning rate. But it is one of the least profitable for its members.

PC Optimum and Scene+ programs are variable. They have the opportunity to give many more points. This will depend on the weekly promotions and the type of products purchased by the member.

However, depending on how attractive the weekly offers are, members could earn a very high return one week but get nothing the following week.

Even so, depending on your region, your habits and your nearest favourite grocery store, there are ways to get the most out of each reward program.

Conclusion

Maximizing your grocery savings starts with choosing the right loyalty programs and using your credit cards strategically. By combining PC Optimum points, MOI, Scene+, or others, you can earn rewards on every purchase.

In addition, by tracking weekly specials and taking advantage of flyer deals, you can turn regular grocery runs into real opportunities to save. Even small habits can add up to hundreds of dollars a year.

Ultimately, the best program is the one that matches your shopping habits and personal preferences. Compare, plan your grocery runs, and use your points thoughtfully so that every trip to the grocery store becomes more beneficial and rewarding.

Grocery rewards programs – FAQ