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The PC Optimum program is Canadians’ flagship loyalty program, allowing you to earn redeemable points at Loblaws, Maxi, Shoppers Drug Mart, and Esso.
Whether you live in Quebec or elsewhere in Canada, you can earn points with every purchase and redeem them for savings on your everyday shopping.
This page explains in detail how to earn, use, and maximize your points, while also presenting PC Optimum credit cards and detailed guides to help you get the most out of the program.
PC Optimum was created from the merger of the PC Plus and Shoppers Drug Mart Optimum programs. It is a Canadian loyalty program that rewards customer loyalty by offering points for every purchase made at participating retailers.
Points are automatically earned when you scan your PC Optimum card or use the mobile app when shopping in-store or online.
The program is designed to simplify points management and provide tangible value for your everyday spending.
Each 10,000-point increment equals $10. Therefore, 20,000 points are worth $20, 50,000 points are worth $50, and 100,000 points equal $100. This fixed value makes it easier to plan your purchases and redeem points.
You can use your points as soon as you reach 10,000, with no additional minimum.
Promotions and special events may offer extra points, speeding up accumulation.
PC Optimum points can be used at several stores across Canada, including:
You can use your points in-store or online depending on the banner. Points can also be combined with other promotions and coupons to maximize your savings. In Quebec and in other provinces, these banners offer a consistent experience that is compatible with the program.
You can earn PC Optimum points in several ways:
It is important to check the PC Optimum app to activate certain offers and take full advantage of personalized promotions.
Redeeming your points is simple and flexible:
You can combine your points with other payment methods to pay for your entire purchase. In addition, the PC Optimum app lets you track your transactions and plan your redemptions to take advantage of the best offers.
PC Optimum credit cards let you earn points even faster:
These cards offer exclusive promotions, discounts on gas, and access to partner events. Using these cards wisely helps you optimize your points accumulation.
The PC Mastercard welcomes you with a 20,000 PC Optimum points bonus after your first purchase, all with no annual fee. It is the ideal entry-level card to start earning points in the Loblaw ecosystem:
This means you earn between 1% and 3% back on your purchases at PC Optimum retailers. You can then redeem your points 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.
With a welcome bonus of 20,000 PC Optimum points upon your first purchase and no annual fee, the PC World Mastercard is a solid option for regular customers of the Loblaw ecosystem. Here’s what it offers you:
Specifically, this represents between 1 and 3.5% back on your purchases at PC Optimum retailers. Your points can be redeemed for discounts at checkout or converted into a $7 credit per 10,000 points on your card balance.
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.
The PC Financial World Elite Mastercard currently offers a welcome bonus of 20,000 PC Optimum points after your first purchase, with no annual fee. With this Card:
This means you get between 1% and 4.5% back on your purchases at PC Optimum retailers. You can then use your points for discounts at the checkout or convert them into a $7 credit per 10,000 points directly toward 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.
The PC Optimum Insiders membership is a paid option that allows members to earn points faster and access exclusive offers. With this membership, you receive bonus points on certain purchases, subscriber-only offers, and special promotions that are not available to regular members.
Membership is available across Canada and is easily managed via the PC Optimum app. Fees are annual and membership renews automatically, ensuring you never miss the benefits offered.
Key benefits of the PC Optimum Insiders membership:
To get the most out of PC Optimum:
These strategies will help you turn your everyday spending into tangible savings and get the most out of the program.
The PC Optimum program is a powerful tool for saving on your purchases in Canada.
By earning points through your purchases and credit cards, and by following our maximization strategies, you can turn your everyday spending into tangible savings.
Take advantage of our guides and detailed articles to plan your purchases and redeem your points at the most advantageous time.
You can check your balance via the PC Optimum app or on the official website.
Yes, they expire if no redemption or accumulation takes place for 24 months.
Yes, at Loblaws, Maxi, Shoppers Drug Mart, and Esso across Canada.
The PC Mastercard, PC World Mastercard, and PC World Elite Mastercard offer bonus points.
Yes, you can combine your PC Optimum points with in-store offers or personalized promotions.
Activate offers in the app and use your PC Optimum credit cards for all your purchases.
Yes, points can be used to buy gas or products at Esso stations.
Yes, certain seasonal events or anniversaries offer additional points.
Log in to the PC Optimum app to see your personalized offers and active promotions.
Savings are here (if you don’t see the sign-up form, please click here):
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