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PC Optimum Offers: More Ways to Earn Rewards

6 min read
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PC Optimum Offers: More Ways to Earn Rewards
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Being a PC Optimum member is a great way to earn valuable rewards on groceries, everyday essentials, beauty products, clothes, and more.

With over 4,500 participating locations across Canada, the PC Optimum program makes it easy to build up your account balance through in-person shopping, plus they even let you accelerate your savings with additional bonus offers!

In this article, we’ll go over the different types of PC Optimum offers so that you can earn every point possible.

What Are PC Optimum Offers?

PC Optimum offers are special opportunities and promotions that give you bonus points on select products at designated stores.

They range from small 100-point bonuses up to large opportunities to earn 10,000+ bonus PC Optimum points.

Depending on where you live, you’ll find PC Optimum offers available for Loblaws-banner stores like No Frills, Maxi, and Provigo, and for merchants like Shoppers Drug Mart, Pharmaprix, Joe Fresh, Esso, and Mobil.

How Do PC Optimum Offers Work?

Your PC Optimum offers can be found by logging into your account, either on the PC Optimum website or through the PC Optimum app.

Each week a number of limited time offers are automatically loaded and made available, typically targeted for Shoppers Drug Mart and the grocery store that you shop at most frequently.

To earn the points associated with each offer, just buy the selected product and scan your PC Optimum membership card. The advertised points should be deposited immediately, and you can always check your receipt to see that they were.

Additionally, it’s worth noting that some offers need to be manually loaded before you can access them. We’ll go over these below.

Types of PC Optimum Offers

There are a few different types of PC Optimum offers, so let’s go over each of them:

Hottest offers

At the top of your account’s Offers section, you’ll likely see the « Hottest Offers, » which represent the most valuable current promotions.

Examples of past offers include the chance to earn a bonus of 20,000 or 30,000 points (equal to $20 or $30 in value!) when you spent $60 during the promotional period or 3 months of free Apple TV.

You may also see smaller but proportionally valuable offers like the chance to earn 2,000 points (worth $2 when redeemed) when you spend $5 or more on eligible convenience stores purchases at Esso stations.

Pharmacy offers

The next type of offer that you’ll find is for pharmacy purchases — usually focused exclusively on the pharmacy where shop the most.

In this category, you’ll see offers like the chance to earn 20x the points or to earn 40,000 bonus points when you meet the spending requirements.

To help you earn even more, you can also access additional offers and savings by clicking on « Unlock More Offers » and selecting those that are of interest.

Shop anywhere items

The offers in this section of your account are focused on a personalized list of products that are typically things you buy frequently, giving you a way to earn points and save on your regular grocery items.

These offers can earn you points at grocery stores and pharmacies, and they’re active for one week, typically refreshing on Thursdays.

If you’re already stocked up on certain groceries, but still want to earn points, you’re in luck! You can save up to 4 of these offers per week to use the following week, making sure that you don’t miss out on points just because you haven’t eaten all your bananas yet.

Plus, beyond the personalized « offers picked for you, » you can also earn points on promoted products as seen in the images below:

PC® Mastercard®

PC FinancialPC Optimum
Annual fee
$0
Our valuation
$20
Milesopedia first-year estimateFirst-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
20,000 points
Apply Now

on PC Financial's website

The PC Mastercard offers a 20,000 PC Optimum™ welcome bonus after you spend $50 in the first two months, all with no annual fee. It’s an ideal entry-level card to start earning points within the Loblaw ecosystem.

  • 1% back in points at Loblaw banner grocery stores, including LoblawsMD, No FrillsMD, Real Canadian SuperstoreMD, MaxiMD, and other locations3.
  • At least 3¢ per litre back in points on fuel at Esso and Mobil stations
  • 2.5% back in points at Shoppers Drug Mart and Pharmaprix
  • 1% back in points at Joe Fresh
  • 1% back in points everywhere else

This way, you earn between 1% and 3% back on your purchases at PC Optimum stores. Your points can then be redeemed for discounts at checkout or a $7 credit per 10,000 points applied directly to your card balance.

With its 90-day purchase assurance, extended warranty, and Mastercard Global Service, this card offers valuable protections for a no-annual-fee card.

Legal

All rates and fees for the PC® Mastercard®.

Offer valid for new President’s Choice Financial® Mastercard® cardholders who apply by December 31, 2026. Earn a one-time bonus of 20,000 PC Optimum™ points when you spend $50 CDN or more in total qualifying purchases at participating Loblaw banner grocery stores, The Mobile Shop™ stores, Joe Fresh® stores, Shoppers Drug Mart® stores, Pharmaprix® stores, Esso™ or Mobil™ stations in Canada within 60 days of account approval. Visit pcoptimum.ca for participating stores. Qualifying purchases must be made with your new PC Financial® Mastercard®. Date of account approval is the date of the PC Financial® email confirming that your PC Financial® Mastercard® is approved.

Qualifying purchases excludes refunds, cash advances, balance transfers, interest charges, fees, credit or debit adjustments. Any refunds or merchant credits received during the offer period will reduce your total purchase amount for the purposes of this offer. Cannot be used with any other promotions or offers. Offer has no cash value. Your President’s Choice Financial® Mastercard® account must be open and in good standing at the time points are awarded. Offer applies to new accounts only. This introductory offer is limited to one per new PC Financial® Mastercard® account and may be terminated or changed at any time without notice. Allow 4-6 weeks from qualifying purchase(s) for bonus PC Optimumᵀᴹ points to be awarded.

1 If you are approved for the Basic Rate PC Financial® Mastercard®, your rates will be as follows. Purchase interest rate: 26.99%, Cash Advance interest rate: 27.97%. The Basic Rate is not available in Quebec. For more information, please refer to the Application Disclosure Summary.

2 Earn a minimum of 10 PC OptimumTM points per dollar on all of your purchases charged to the credit card. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent. This offer may be terminated or changed at any time.

3 Our grocery stores means affiliated Loblaw banner grocery stores. Visit pcoptimum.ca for details on participating stores where the PC OptimumTM program is offered. Minimum redemption is 10,000 PC OptimumTM points (worth $10 in free rewards) and in increments of 10,000 PC OptimumTM points thereafter, at participating stores. You can redeem the PC OptimumTM points you earn for eligible purchases, or for any other purposes of which we may advise you from time to time. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.

4 Points amount shown includes the 10 points per dollar for all purchases with the PC Financial® Mastercard®. In addition, earn at least 10 PC OptimumTM points per purchased litre of gasoline or diesel fuel at EssoTM and MobilTM stations in Canada when you pay with your PC Financial® Mastercard®. You will also earn at least 10 PC OptimumTM points per litre available to all PC OptimumTM loyalty members at EssoTM and MobilTM stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at EssoTM and select MobilTM Stations. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate is available at the station. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 30 points per litre, points will be topped up to ensure a minimum of 30 points per litre are awarded in all transactions paid with a PC Financial® Mastercard® at EssoTM and MobilTM locations. For full details including how points are awarded to your PC OptimumTM account and rounding rules, visit pcfinancial.ca/en/legal-stuff/pc-optimum-mastercard/.

5 All PC OptimumTM members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart® and Pharmaprix® stores. When you use your PC Financial® Mastercard® you will earn additional points per dollar: 10 points per dollar for PC Financial® Mastercard® cardholders; 20 points per dollar for PC Financial® World Mastercard® cardholders; 30 points per dollar for PC Financial® World Elite® Mastercard® cardholders; and 35 points per dollar for PC InsidersTM World Elite® Mastercard® cardholders.

6 Purchase Assurance and Extended Warranty are underwritten by American Bankers Insurance Company of Florida. Details of coverage, including definitions, benefits, limitations, and exclusions, are outlined in the Certificate of Insurance delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.

7 Cash advances are accessible only up to your available cash limit and your current cash advance interest rate applies from the date of the transaction.

8 Earn 40 PC OptimumTM points per dollar on qualifying purchases made with a PC InsidersTM World Elite® Mastercard® credit card at participating Loblaw banner stores. For these purchases you will earn the regular 10 PC OptimumTM points per dollar plus an extra 30 PC OptimumTM points per dollar charged on your card(s) for a total of 40 PC OptimumTM points per dollar. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent.

®/TM Trademarks of Loblaws Inc., used under license.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President’s Choice Bank is a licensee of the marks.

Shoppers Drug Mart®, Pharmaprix® and logos are trademarks of 911979 Alberta Ltd., used under license.

®/TM Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Mobil is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee.

President’s Choice Financial® Mastercard® is provided by President’s Choice Bank.

The PC OptimumTM loyalty program is provided by President’s Choice Services Inc.

Annual fee

Primary card$0
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 30xGas & EV
  • 25xPharmacy
  • 10xAll spending

Value

1st Year Value$407
2nd Year Value$240

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years

PC® World Mastercard®

PC FinancialPC Optimum
Annual fee
$0
Our valuation
$20
Milesopedia first-year estimateFirst-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
20,000 points
Apply Now

on PC Financial's website

With a welcome bonus of 20,000 PC Optimum points after spending $50 in the first two months and no annual fee, the PC World Mastercard is a solid option for regular customers in the Loblaw ecosystem. Here’s what it offers:

  • 3.5% back in points at Shoppers Drug Mart and Shoppers Drug Mart
  • At least 3¢ per litre back in points at Esso and Mobil stations
  • Earn 2% back in points at Loblaw banner grocery stores including Loblaws®, No Frills®, Real Canadian Superstore®, Maxi® and more3.
  • 1% back in points everywhere else

In practical terms, this represents between 1% and 3.5% back on your purchases at PC Optimum partner stores. Your points can be redeemed for discounts at checkout or converted into a $7 statement credit for every 10,000 points.

The card also includes a 24/7 concierge service, 90-day purchase assurance, an extended warranty, and Mastercard Global Service in case of emergency — all without paying a single dollar in annual fees.

Legal

All rates and fees for the PC® Mastercard®.

Offer valid for new President’s Choice Financial® Mastercard® cardholders who apply by December 31, 2026. Earn a one-time bonus of 20,000 PC Optimum™ points when you spend $50 CDN or more in total qualifying purchases at participating Loblaw banner grocery stores, The Mobile Shop™ stores, Joe Fresh® stores, Shoppers Drug Mart® stores, Pharmaprix® stores, Esso™ or Mobil™ stations in Canada within 60 days of account approval. Visit pcoptimum.ca for participating stores. Qualifying purchases must be made with your new PC Financial® Mastercard®. Date of account approval is the date of the PC Financial® email confirming that your PC Financial® Mastercard® is approved.

Qualifying purchases excludes refunds, cash advances, balance transfers, interest charges, fees, credit or debit adjustments. Any refunds or merchant credits received during the offer period will reduce your total purchase amount for the purposes of this offer. Cannot be used with any other promotions or offers. Offer has no cash value. Your President’s Choice Financial® Mastercard® account must be open and in good standing at the time points are awarded. Offer applies to new accounts only. This introductory offer is limited to one per new PC Financial® Mastercard® account and may be terminated or changed at any time without notice. Allow 4-6 weeks from qualifying purchase(s) for bonus PC Optimumᵀᴹ points to be awarded.

1 If you are approved for the Basic Rate PC Financial® Mastercard®, your rates will be as follows. Purchase interest rate: 26.99%, Cash Advance interest rate: 27.97%. The Basic Rate is not available in Quebec. For more information, please refer to the Application Disclosure Summary.

2 Earn a minimum of 10 PC OptimumTM points per dollar on all of your purchases charged to the credit card. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent. This offer may be terminated or changed at any time.

3 Our grocery stores means affiliated Loblaw banner grocery stores. Visit pcoptimum.ca for details on participating stores where the PC OptimumTM program is offered. Minimum redemption is 10,000 PC OptimumTM points (worth $10 in free rewards) and in increments of 10,000 PC OptimumTM points thereafter, at participating stores. You can redeem the PC OptimumTM points you earn for eligible purchases, or for any other purposes of which we may advise you from time to time. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.

4 Points amount shown includes the 10 points per dollar for all purchases with the PC Financial® Mastercard®. In addition, earn at least 10 PC OptimumTM points per purchased litre of gasoline or diesel fuel at EssoTM and MobilTM stations in Canada when you pay with your PC Financial® Mastercard®. You will also earn at least 10 PC OptimumTM points per litre available to all PC OptimumTM loyalty members at EssoTM and MobilTM stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at EssoTM and select MobilTM Stations. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate is available at the station. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 30 points per litre, points will be topped up to ensure a minimum of 30 points per litre are awarded in all transactions paid with a PC Financial® Mastercard® at EssoTM and MobilTM locations. For full details including how points are awarded to your PC OptimumTM account and rounding rules, visit pcfinancial.ca/en/legal-stuff/pc-optimum-mastercard/.

5 All PC OptimumTM members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart® and Pharmaprix® stores. When you use your PC Financial® Mastercard® you will earn additional points per dollar: 10 points per dollar for PC Financial® Mastercard® cardholders; 20 points per dollar for PC Financial® World Mastercard® cardholders; 30 points per dollar for PC Financial® World Elite® Mastercard® cardholders; and 35 points per dollar for PC InsidersTM World Elite® Mastercard® cardholders.

6 Purchase Assurance and Extended Warranty are underwritten by American Bankers Insurance Company of Florida. Details of coverage, including definitions, benefits, limitations, and exclusions, are outlined in the Certificate of Insurance delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.

7 Cash advances are accessible only up to your available cash limit and your current cash advance interest rate applies from the date of the transaction.

8 Earn 40 PC OptimumTM points per dollar on qualifying purchases made with a PC InsidersTM World Elite® Mastercard® credit card at participating Loblaw banner stores. For these purchases you will earn the regular 10 PC OptimumTM points per dollar plus an extra 30 PC OptimumTM points per dollar charged on your card(s) for a total of 40 PC OptimumTM points per dollar. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent.

10 Concierge Services are provided by Assurant Services Canada Inc. (ASCI). Details of service, including definitions, benefits, limitations, and exclusions, are outlined in the Terms and Conditions delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.

®/TM Trademarks of Loblaws Inc., used under license.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President’s Choice Bank is a licensee of the marks.

Shoppers Drug Mart®, Pharmaprix® and logos are trademarks of 911979 Alberta Ltd., used under license.

®/TM Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Mobil is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee.

President’s Choice Financial® Mastercard® is provided by President’s Choice Bank.

The PC OptimumTM loyalty program is provided by President’s Choice Services Inc.

Annual fee

Primary card$0
Additional card$0

Annual income required

Individual$50,000
Household$80,000

Conversion fees

2.5%

Earning rate

  • 35xPharmacy
  • 30xGas & EV
  • 20xGroceries
  • 10xAll spending

Value

1st Year Value$509
2nd Year Value$288

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years

PC® World Elite® Mastercard®

PC FinancialPC Optimum
Annual fee
$0
Our valuation
$20
Milesopedia first-year estimateFirst-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
20,000 points
Apply Now

on PC Financial's website

The PC World Elite Mastercard currently offers a 20,000 PC Optimum points welcome bonus after spending $50 in the first two months, with no annual fee. With this Card:

  • 4.5% back in points at Shoppers Drug Mart® and Pharmaprix®5
  • Get 3% back in points at Loblaw banner grocery stores including Loblaws®, No Frills®, Real Canadian Superstore®, Maxi® and at Joe Fresh.
  • At least 3¢ per litre back in points on fuel at Esso and Mobil
  • 1% back in points per dollar spent everywhere else

This means you get between 1% and 4.5% back on your purchases made at PC Optimum stores. You can then use your points for discounts at checkout or convert them into $7 credit per 10,000 points directly on your card balance.

Additionally, this card includes travel medical insurance, rental car collision insurance, a concierge service, and 90-day purchase assurance—rare benefits for a no-annual-fee card.

Legal

All rates and fees for the PC® Mastercard®.

Offer valid for new President’s Choice Financial® Mastercard® cardholders who apply by December 31, 2026. Earn a one-time bonus of 20,000 PC Optimum™ points when you spend $50 CDN or more in total qualifying purchases at participating Loblaw banner grocery stores, The Mobile Shop™ stores, Joe Fresh® stores, Shoppers Drug Mart® stores, Pharmaprix® stores, Esso™ or Mobil™ stations in Canada within 60 days of account approval. Visit pcoptimum.ca for participating stores. Qualifying purchases must be made with your new PC Financial® Mastercard®. Date of account approval is the date of the PC Financial® email confirming that your PC Financial® Mastercard® is approved.

Qualifying purchases excludes refunds, cash advances, balance transfers, interest charges, fees, credit or debit adjustments. Any refunds or merchant credits received during the offer period will reduce your total purchase amount for the purposes of this offer. Cannot be used with any other promotions or offers. Offer has no cash value. Your President’s Choice Financial® Mastercard® account must be open and in good standing at the time points are awarded. Offer applies to new accounts only. This introductory offer is limited to one per new PC Financial® Mastercard® account and may be terminated or changed at any time without notice. Allow 4-6 weeks from qualifying purchase(s) for bonus PC Optimumᵀᴹ points to be awarded.

1 If you are approved for the Basic Rate PC Financial® Mastercard®, your rates will be as follows. Purchase interest rate: 26.99%, Cash Advance interest rate: 27.97%. The Basic Rate is not available in Quebec. For more information, please refer to the Application Disclosure Summary.

2 Earn a minimum of 10 PC OptimumTM points per dollar on all of your purchases charged to the credit card. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent. This offer may be terminated or changed at any time.

3 Our grocery stores means affiliated Loblaw banner grocery stores. Visit pcoptimum.ca for details on participating stores where the PC OptimumTM program is offered. Minimum redemption is 10,000 PC OptimumTM points (worth $10 in free rewards) and in increments of 10,000 PC OptimumTM points thereafter, at participating stores. You can redeem the PC OptimumTM points you earn for eligible purchases, or for any other purposes of which we may advise you from time to time. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.

4 Points amount shown includes the 10 points per dollar for all purchases with the PC Financial® Mastercard®. In addition, earn at least 10 PC OptimumTM points per purchased litre of gasoline or diesel fuel at EssoTM and MobilTM stations in Canada when you pay with your PC Financial® Mastercard®. You will also earn at least 10 PC OptimumTM points per litre available to all PC OptimumTM loyalty members at EssoTM and MobilTM stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at EssoTM and select MobilTM Stations. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate is available at the station. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 30 points per litre, points will be topped up to ensure a minimum of 30 points per litre are awarded in all transactions paid with a PC Financial® Mastercard® at EssoTM and MobilTM locations. For full details including how points are awarded to your PC OptimumTM account and rounding rules, visit pcfinancial.ca/en/legal-stuff/pc-optimum-mastercard/.

5 All PC OptimumTM members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart® and Pharmaprix® stores. When you use your PC Financial® Mastercard® you will earn additional points per dollar: 10 points per dollar for PC Financial® Mastercard® cardholders; 20 points per dollar for PC Financial® World Mastercard® cardholders; 30 points per dollar for PC Financial® World Elite® Mastercard® cardholders; and 35 points per dollar for PC InsidersTM World Elite® Mastercard® cardholders.

6 Purchase Assurance and Extended Warranty are underwritten by American Bankers Insurance Company of Florida. Details of coverage, including definitions, benefits, limitations, and exclusions, are outlined in the Certificate of Insurance delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.

7 Cash advances are accessible only up to your available cash limit and your current cash advance interest rate applies from the date of the transaction.

8 Earn 40 PC OptimumTM points per dollar on qualifying purchases made with a PC InsidersTM World Elite® Mastercard® credit card at participating Loblaw banner stores. For these purchases you will earn the regular 10 PC OptimumTM points per dollar plus an extra 30 PC OptimumTM points per dollar charged on your card(s) for a total of 40 PC OptimumTM points per dollar. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent.

10 Concierge Services are provided by Assurant Services Canada Inc. (ASCI). Details of service, including definitions, benefits, limitations, and exclusions, are outlined in the Terms and Conditions delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.

®/TM Trademarks of Loblaws Inc., used under license.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President’s Choice Bank is a licensee of the marks.

Shoppers Drug Mart®, Pharmaprix® and logos are trademarks of 911979 Alberta Ltd., used under license.

®/TM Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Mobil is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee.

President’s Choice Financial® Mastercard® is provided by President’s Choice Bank.

The PC OptimumTM loyalty program is provided by President’s Choice Services Inc.

Annual fee

Primary card$0
Additional card$0

Annual income required

Individual$80,000
Household$150,000

Conversion fees

2.5%

Earning rate

  • 45xPharmacy
  • 30xGroceries
  • 10xAll spending

Value

1st Year Value$539
2nd Year Value$336

Travel insurance

Travel medical (under 55)Included
Travel medical (55-64)Included

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 31 days

PC Insiders™ World Elite Mastercard®

PC FinancialPC OptimumFirst-Year Annual Fee Rebate
Annual fee
$0 $120
No annual fee the first year
Our valuation
$120
Milesopedia first-year estimateFirst-year valueAnnual fee rebated$120Total$120Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
First Year Annual Fee Rebate
$120 annual fee rebated
Apply Now

on PC Financial's website

With the PC Insiders™ World Elite Mastercard®, you get:

  • 50 PC Optimum points per dollar spent at Shoppers Drug Mart
  • 40 PC Optimum points per dollar spent at Loblaws and Joe Fresh stores
  • 30 PC Optimum points per litre of gas at Esso and Mobil
  • 10 PC Optimum points per dollar of purchases everywhere else

This means you get between 1% and 5% on your purchases made at PC Optimum stores. You can then use your PC Optimum points for rebates at the checkout of these PC Optimum stores. Plus, the first year is free!

In addition, you can get unlimited grocery deliveries and pickups for $0 with a free PC Express Pass subscription (an annual value of $99.99), valid for eligible orders of $35 or more.

Annual fee

Primary card$120
Additional card$0

Annual income required

Individual$80,000
Household$150,000

Conversion fees

2.5%

Earning rate

  • 50xPharmacy
  • 40xGroceries
  • 10xAll spending

Value

1st Year Value$612
2nd Year Value$336

Travel insurance

Travel medical (under 55)Included
Travel medical (55-64)Included

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 31 days

Digital coupons

Digital coupons are yet another way to save money and earn PC Optimum points on eligible products.

Just keep in mind that similarly to the « Unlock More Offers » from the pharmacy section above, digital coupons need to manually selected if you want to enjoy their perks.

Offers for other stores and partnered merchants

The final category of PC Optimum offers lets you enjoy promotions at stores other than your home grocery store and pharmacy.

This means that if you usually shop at a Loblaws near your house, in this section you might find offers for stores like No Frills, Real Canadian Superstore, or Provigo.

With these offers, you’ll also be shown available ways to earn PC Optimum points with partners of the program. For example, thanks to the integration between PC Optimum and DoorDash, you have a chance to earn a nice chunk of bonus points when you link your accounts.

Bottom Line

PC Optimum offers are a great way to get even more from an already valuable program.

With a diversity of offers available, it’s easy to save on groceries and everyday essentials, all while earning some extra PC Optimum points.

If you’re interested in learning more about the PC Optimum program or other ways to save money on your day-to-day expenses, check out our additional articles and guides below:

FAQs

How do I load my PC Optimum offers?

Most of your PC Optimum offers are pre-loaded in your account and can be found under the « Offers » heading on the website or in the app.

In addition to the automatically loaded offers, you can also find a few more offers available under « digital coupons » and « unlock more offers. » To load these, simply open the section(s) in question, and click « load offer » on any of the additional opportunities that appeal to you.

How do I get more PC Optimum offers?

New PC Optimum offers are added to account often, and your personalized offers will update each week. You can also get more PC Optimum offers by checking out the « unlock more offers » and « digital coupons » sections, which both provide additional offers that you can click to add.

How many offers can I save with PC Optimum?

Each week you can save 4 of the offers listed under the « offers picked for you. » These offers can be saved for one week to help you ensure you get a chance to earn the available points when you’re ready to stock up on the item later.

Are there PC Optimum offers at Shoppers Drug Mart and Real Canadian Superstore?

Yes! PC Optimum offers are available at Shoppers Drug Mart and Real Canadian Superstore. In fact, offers are generally available at all participating merchants; they just might not all be available at the same time.

The PC Optimum offers that you see in your account will be primarily focused on your most-visited stores, so if you often shop at Shoppers Drug Mart and Real Canadian Superstore, you’ll see plenty of offers.

That said, if you don’t shop at these locations often, your offers may be for other pharmacies (like Pharmaprix) and grocery stores (like No Frills, Provigo, Loblaws, etc.).


Our featured card

PC® World Elite® Mastercard®

PC FinancialPC Optimum
Annual fee
$0
Our valuation
$20
Milesopedia first-year estimateFirst-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
20,000 points
Apply Now

on PC Financial's website

The PC World Elite Mastercard currently offers a 20,000 PC Optimum points welcome bonus after spending $50 in the first two months, with no annual fee. With this Card:

  • 4.5% back in points at Shoppers Drug Mart® and Pharmaprix®5
  • Get 3% back in points at Loblaw banner grocery stores including Loblaws®, No Frills®, Real Canadian Superstore®, Maxi® and at Joe Fresh.
  • At least 3¢ per litre back in points on fuel at Esso and Mobil
  • 1% back in points per dollar spent everywhere else

This means you get between 1% and 4.5% back on your purchases made at PC Optimum stores. You can then use your points for discounts at checkout or convert them into $7 credit per 10,000 points directly on your card balance.

Additionally, this card includes travel medical insurance, rental car collision insurance, a concierge service, and 90-day purchase assurance—rare benefits for a no-annual-fee card.

Legal

All rates and fees for the PC® Mastercard®.

Offer valid for new President’s Choice Financial® Mastercard® cardholders who apply by December 31, 2026. Earn a one-time bonus of 20,000 PC Optimum™ points when you spend $50 CDN or more in total qualifying purchases at participating Loblaw banner grocery stores, The Mobile Shop™ stores, Joe Fresh® stores, Shoppers Drug Mart® stores, Pharmaprix® stores, Esso™ or Mobil™ stations in Canada within 60 days of account approval. Visit pcoptimum.ca for participating stores. Qualifying purchases must be made with your new PC Financial® Mastercard®. Date of account approval is the date of the PC Financial® email confirming that your PC Financial® Mastercard® is approved.

Qualifying purchases excludes refunds, cash advances, balance transfers, interest charges, fees, credit or debit adjustments. Any refunds or merchant credits received during the offer period will reduce your total purchase amount for the purposes of this offer. Cannot be used with any other promotions or offers. Offer has no cash value. Your President’s Choice Financial® Mastercard® account must be open and in good standing at the time points are awarded. Offer applies to new accounts only. This introductory offer is limited to one per new PC Financial® Mastercard® account and may be terminated or changed at any time without notice. Allow 4-6 weeks from qualifying purchase(s) for bonus PC Optimumᵀᴹ points to be awarded.

1 If you are approved for the Basic Rate PC Financial® Mastercard®, your rates will be as follows. Purchase interest rate: 26.99%, Cash Advance interest rate: 27.97%. The Basic Rate is not available in Quebec. For more information, please refer to the Application Disclosure Summary.

2 Earn a minimum of 10 PC OptimumTM points per dollar on all of your purchases charged to the credit card. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent. This offer may be terminated or changed at any time.

3 Our grocery stores means affiliated Loblaw banner grocery stores. Visit pcoptimum.ca for details on participating stores where the PC OptimumTM program is offered. Minimum redemption is 10,000 PC OptimumTM points (worth $10 in free rewards) and in increments of 10,000 PC OptimumTM points thereafter, at participating stores. You can redeem the PC OptimumTM points you earn for eligible purchases, or for any other purposes of which we may advise you from time to time. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.

4 Points amount shown includes the 10 points per dollar for all purchases with the PC Financial® Mastercard®. In addition, earn at least 10 PC OptimumTM points per purchased litre of gasoline or diesel fuel at EssoTM and MobilTM stations in Canada when you pay with your PC Financial® Mastercard®. You will also earn at least 10 PC OptimumTM points per litre available to all PC OptimumTM loyalty members at EssoTM and MobilTM stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at EssoTM and select MobilTM Stations. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate is available at the station. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 30 points per litre, points will be topped up to ensure a minimum of 30 points per litre are awarded in all transactions paid with a PC Financial® Mastercard® at EssoTM and MobilTM locations. For full details including how points are awarded to your PC OptimumTM account and rounding rules, visit pcfinancial.ca/en/legal-stuff/pc-optimum-mastercard/.

5 All PC OptimumTM members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart® and Pharmaprix® stores. When you use your PC Financial® Mastercard® you will earn additional points per dollar: 10 points per dollar for PC Financial® Mastercard® cardholders; 20 points per dollar for PC Financial® World Mastercard® cardholders; 30 points per dollar for PC Financial® World Elite® Mastercard® cardholders; and 35 points per dollar for PC InsidersTM World Elite® Mastercard® cardholders.

6 Purchase Assurance and Extended Warranty are underwritten by American Bankers Insurance Company of Florida. Details of coverage, including definitions, benefits, limitations, and exclusions, are outlined in the Certificate of Insurance delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.

7 Cash advances are accessible only up to your available cash limit and your current cash advance interest rate applies from the date of the transaction.

8 Earn 40 PC OptimumTM points per dollar on qualifying purchases made with a PC InsidersTM World Elite® Mastercard® credit card at participating Loblaw banner stores. For these purchases you will earn the regular 10 PC OptimumTM points per dollar plus an extra 30 PC OptimumTM points per dollar charged on your card(s) for a total of 40 PC OptimumTM points per dollar. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent.

10 Concierge Services are provided by Assurant Services Canada Inc. (ASCI). Details of service, including definitions, benefits, limitations, and exclusions, are outlined in the Terms and Conditions delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.

®/TM Trademarks of Loblaws Inc., used under license.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President’s Choice Bank is a licensee of the marks.

Shoppers Drug Mart®, Pharmaprix® and logos are trademarks of 911979 Alberta Ltd., used under license.

®/TM Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Mobil is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee.

President’s Choice Financial® Mastercard® is provided by President’s Choice Bank.

The PC OptimumTM loyalty program is provided by President’s Choice Services Inc.

Annual fee

Primary card$0
Additional card$0

Annual income required

Individual$80,000
Household$150,000

Conversion fees

2.5%

Earning rate

  • 45xPharmacy
  • 30xGroceries
  • 10xAll spending

Value

1st Year Value$539
2nd Year Value$336

Travel insurance

Travel medical (under 55)Included
Travel medical (55-64)Included

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 31 days

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