Alternatives to PC Optimum credit cards

Updated May 31, 2024
Fact checked by
Marie-Ève Leclerc
Marie-Ève Leclerc

Marie-Ève Leclerc

Marie-Ève Leclerc
Marie-Ève, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.
All posts by Marie-Ève Leclerc
Épicerie
To the point Here are some alternatives to PC Mastercard credit cards, if you decide to stop using them and shop at places other than Loblaws.

Boycott of the Loblaws group

For those who don’t want to deal with No Frills, Shoppers Drug Mart, Provigo, Loblaws, Real Canadian Superstore, Maxi, etc., there are other ways to save money elsewhere.

You may have recently closed your PC Optimum account or cancelled your PC Mastercard credit card. If you’d like to put your efforts into another grocery program, take the time to read about the various possible combinations in this article.

Now, it’s important to choose a credit card that offers a high points or cashback multiplier for grocery purchases, to avoid leaving points on the table.

Mastercard credit cards

Mastercard credit cards - For Costco

Costco warehouses aren’t coded like a grocery store, so you won’t get any extra points.

Only BMO AIR MILES credit cards have a special “warehouse and wholesale club” category for Costco, with twice as many miles.

Mastercard credit cards - More points at the grocery store

Walmart Supercentres treat Mastercard credit cards like groceries. So you’ll earn the grocery multiplier based on your credit card.

For example, you’ll earn 5 points per dollar on all your purchases (groceries, clothing, furniture, etc.) at Walmart!

Grocery Store earning Best for Eligibility
National Bank World Elite Mastercard 5 points/$1 purchase Save on travel expenses Minimum personal annual income of $80,000

Mastercard credit cards - More cash back at the grocery store

There are 3 Mastercard cards to choose from for cash back at the grocery store.

Grocery Store earning Eligibility
MBNA Rewards World Elite® Mastercard® 5 points/$1 purchase Minimum personal annual income of $80,000
BMO® CashBack® World Elite®* Mastercard®* 5% cash back (on first $500 of purchases per month) Minimum personal annual income of $80,000
Tangerine Money-Back Credit Card 2% cash back if you choose the Grocery category Minimum personal annual income of $12,000

Visa credit cards

Visa credit cards - More points at the grocery store

A Visa credit card stands out if you shop at Sobeys grocery stores.

With the Scotiabank Visa Infinite* Passport® card, Scene+ points give you $10 off your grocery bill for every 1,000 Scene+ points you earn.

Grocery Store earning Eligibility
Scotiabank Visa Infinite* Passport® Card

3 Scene+ points / $1 at IGA, Sobeys, Safeway, Foodland, etc.

2 Scene+ points / $1 in other grocery stores

Minimum annual income of $60,000

Visa credit cards - More cash back at the grocery store

CIBC Dividend Cards give you great cash back at the grocery store. In fact, we’ve declared the CIBC Dividend® Visa Infinite* Card the best cash back card in Milesopedia 2024!

Grocery Store earning Eligibility
CIBC Dividend Platinum® Visa* Card 3% cash back Minimum annual income of $15,000
CIBC Dividend® Visa Infinite* Card 4% cash back Minimum annual income of $60,000

American Express credit cards

American Express cards are accepted at IGA, Longo’s, Metro, Farm Boy, FreshCo, Foodland, Safeway, Sobeys, Super C and Adonis, among others.

American Express credit cards - More cash back and points at the grocery store

American Express Cobalt® Card Membership Rewards points are very flexible! They can be redeemed for cash or transferred to other programs such as Aeroplan, Marriott Bonvoy, Hilton Honors, etc.

Grocery Store earning Eligibility
American Express Cobalt® Card 5 points / $1 purchase No annual income required

American Express credit cards - More points at the grocery store

In Canada, there’s no other card that earns so many points at the grocery store!

The Scotiabank Gold American Express® Card is the best, with 6 Scene+ points per dollar for purchases at Sobeys-owned supermarkets.

 

Grocery Store earning Eligibility
Scotiabank Gold American Express® Card

6 Scene+ points/$1 purchase at IGA, Sobeys, Safeway, Foodland, FreshCo, etc.

5 Scene+ points/ $1 purchase at other grocery stores

Minimum annual income of $12,000

Bottom Line

This is the perfect time to find out if another credit card is better than what you had before with your PC Mastercard!

One of the best is the Scotiabank Gold American Express® Card if you go to Sobeys Group grocery stores.

Alternatively, the National Bank World Elite Mastercard® is an excellent choice, as you can also use it at Costco.

To learn more about how to save at the grocery store, read our articles :

How to cancel your PC Optimum account

You can close and delete your account using the PC Optimum™ application in 3 ways:

  • Contact the chatbot by clicking on the question mark icon in the bottom right-hand corner of their website;
  • Call their Customer Service at 1-866-727-6468 ;
  • Closing and deleting your account using the PC Optimum mobile application.

Here are the steps to close and delete your account from the PC Optimum™ application:

  • Click on Account.
  • In the Help & Support section, click on Request to close account.

If you have any points left, you can choose between 2 options:

  • Donate remaining Optimum points to the account (if you do not specify a charity, PC Optimum will make the decision on your behalf);
    • President’s Choice Children’s Charity
    • Shoppers Foundation for Women’s Health
    • Black Business and Professional Association.
  • Have extra time to exchange them (You will have 45 days to exchange them in one of our stores. On the 46th day, they will disappear).

Finally, press Send and delete the account.

That’s all ! You will then no longer be able to connect to PC Optimum applications or websites. You will receive a confirmation email within one business day and your account will be deleted.

Come to discuss that topic in our Facebook Group!
Caroline Tremblay

Caroline Tremblay

Caroline Tremblay
Caroline, a loyalty program specialist, helps families maximize their points to travel more frequently and affordably. With expertise in Disney, AIR MILES, and Costco, she travels the world with her partner and two children through rewards. Passionate about the latest in loyalty programs, Caroline shares tips to help you earn more points and turn your travel dreams into reality.
All posts by Caroline Tremblay
Credit Cards

Suggested Reading

Receive our newsletter every week!

Savings are here:

Milesopedia