Loyalty Program: Optimum

  • 45 PC Optimum points / $ at Shoppers Drug Mart
  • 30 PC Optimum points / $ at Loblaw stores
  • 30 PC Optimum points / $ from PC Travel
  • 30 PC Optimum points / liter of gas at Esso / Mobil
  • 10 PC Optimum points / $ everywhere else
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.97 %
  • Cash Advance Rates 22.97 %
  • Balance Transfer Rates
Earning Rate
  • Drugstores45Points
  • Groceries30Points
  • All Spending10Points
Value
  • Year 1 $336
  • Year 2+ $336
Best For
Transfer Partners
  • Optimum

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
31 day(s)
Hotel/Motel Burglary Insurance
  • 25 PC Optimum points / $ at Shoppers Drug Mart
  • 10 PC Optimum points / $ at Loblaw stores
  • 20 PC Optimum points / $ from PC Travel
  • 30 PC Optimum points / liter of gas at Esso / Mobil
  • 10 PC Optimum points / $ everywhere else
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.97 %
  • Cash Advance Rates 22.97 %
  • Balance Transfer Rates
Earning Rate
  • Drugstores25Points
  • All Spending10Points
  • Groceries10Points
Value
  • Year 1 $240
  • Year 2+ $240
Best For
Transfer Partners
  • Optimum

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 35 PC Optimum points / $ at Shoppers Drug Mart
  • 20 PC Optimum points / $ at Loblaw stores
  • 20 PC Optimum points / $ from PC Travel
  • 30 PC Optimum points / liter of gas at Esso / Mobil
  • 10 PC Optimum points / $ everywhere else
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $50,000
  • Household $80,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.97 %
  • Cash Advance Rates 22.97 %
  • Balance Transfer Rates
Earning Rate
  • Drugstores35Points
  • Groceries20Points
  • All Spending10Points
Value
  • Year 1 $288
  • Year 2+ $288
Best For
Transfer Partners
  • Optimum

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

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