Earn PC Optimum points on every purchase, everywhere.

PC Optimum rewards calculator7,8,9

Use this calculator to discover how you can maximize your PC Optimum points with a President’s Choice Financial Mastercard.

  • 1.Select a card from the three options below.
  • 2.Adjust the sliders for each category to set your estimated monthly purchases or click the $0 icon to enter the amount(s) manually.
  • 3.View your purchase/rewards summary on the right-hand side.

My total monthly purchases:

That’s worth

in PC Optimum points annually

(100000 PC Points)

Three great cards.
One easy application

No annual fee
 

Eligibility  

 
 
$60,000/
year
Min personal income
-OR-
$100,000/
year
Min household income
 
$80,000/
year
Min personal income
-OR-
$150,000/
year
Min household income

In our stores

logo-no-frills
logo-loblaws
logo-rcss-unifer
logo-zehrs
logo-independent
logo-valu-mart
logo-fortinos
logo-no-frills
logo-loblaws
logo-rcss-unifer
logo-zehrs
logo-independent
logo-valu-mart
logo-fortinos
 
10 /$11
20 /$11
30 /$11
25 /$12
35 /$12
45 /$12

Earn at least: i

30 /1 litre3
30 /1 litre3
30 /1 litre3
20 /$14
20 /$14
30 /$14

Everywhere else

10 /$15
10 /$15
10 /$15

Upgrade Criteria

N/A
$15,000/
year
Min spend
 
$25,000/
year
Min spend
 



View all fees and charges for this card


1Our stores means affiliated Loblaw banner grocery stores and Shoppers Drug Mart / Pharmaprix. Visit pcoptimum.ca for details on participating stores where the PC Optimum program is offered.


2All PC Optimum members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart and Pharmaprix. When you use your President’s Choice Financial Mastercard you will earn additional points per dollar: 10 points per dollar for President’s Choice Financial Mastercard cardholders; 20 points per dollar for President’s Choice Financial World Mastercard cardholders; and 30 points per dollar for President’s Choice Financial World Elite Mastercard cardholders.


3Points amount shown includes the 10 points per dollar for all purchases with the President's Choice Financial Mastercard®. In addition, earn at least 10 PC Optimum points per purchased litre of gasoline or diesel fuel at Esso™ and Mobil™ stations in Canada when you pay with your PC Financial Mastercard®. You will also earn at least 10 PC Optimum points per litre available to all PC Optimum loyalty members at Esso™ and Mobil™ stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at Esso™ and select Mobil™ Stations. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate at the station nearest you is available in the station locator located at pcfinancial.ca/gas. 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 Esso and Mobil locations. For full details including how points are awarded to your account and rounding rules, visit pcfinancial.ca/gas.


4Get a bonus 10 PC Optimum points per dollar of your PC® travel services purchase (taxes included) charged to your President's Choice Financial Mastercard or President's Choice Financial World Mastercard and 20 bonus points per dollar charged to your President's Choice Financial World Elite Mastercard, in addition to the regular 10 points per dollar earned for all purchases on these card. Bonus points will be shown as “PC® Travel Bonus Rewards” on your PC Optimum points statement. Account must be in good standing. Offer subject to change. PC® travel services are provided by 8742995 Canada Inc. doing business as Travel Nation Canada. President's Choice Bank and its related companies are not affiliated with Travel Nation Canada and are not responsible for delivery of the services or liable in connection therewith.


5Earn a minimum of 10 PC Optimum points per dollar on all of your purchases charged to the credit card. Any bonus PC Optimum points offers available to all PC Financial Mastercard customers are calculated based on the regular earnings rate of 10 PC Optimum points per dollar spent. This offer may be terminated or changed at any time.


7Results based on data entered as estimated purchases made on a PC Financial Mastercard, PC Financial World Mastercard, or PC Financial World Elite Mastercard under the following assumptions.


Calculation Assumptions for PC Financial Mastercard


  • Grocery and drug store category purchases are calculated at an earnings rate of 10 PC Optimum points per $1 spent.
  • Gas category purchases are calculated at a rate of 30 PC Optimum points per litre.
  • Travel category purchases are all made with PC travel services at pctravel.ca at an earnings rate of 20 PC Optimum points per $1 spent.
  • All other purchases are calculated at an earnings rate of 10 PC Optimum points per $1 spent.

8Calculation Assumptions for PC Financial World Mastercard


  • Grocery category purchases are all made at participating grocery stores where President's Choice products are sold at an earnings rate of 20 PC Optimum points per $1 spent. Participating grocery stores means the following: Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi & cie, no frills, Provigo, Real Canadian Superstore, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs, and Dominion stores in Newfoundland and Labrador.
  • Drug store category purchases are all made at either Shoppers Drug Mart or Pharmaprix at an earnings rate of 20 PC Optimum points per $1 spent.
  • Gas category purchases are calculated at a rate of 30 PC Optimum points per litre.
  • Travel category purchases are all made with PC travel services at pctravel.ca at an earnings rate of 20 PC Optimum points per $1 spent.
  • All other purchases are calculated at an earnings rate of 10 PC Optimum points per $1 spent.

9Calculation Assumptions for PC Financial World Elite Mastercard


  • Grocery category purchases are all made at participating grocery stores where President's Choice products are sold at an earnings rate of 30 PC Optimum points per $1 spent. Participating grocery stores means the following: Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi & cie, no frills, Provigo, Real Canadian Superstore, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs, and Dominion stores in Newfoundland and Labrador.
  • Drug store category purchases are all made at either Shoppers Drug Mart or Pharmaprix at an earnings rate of 30 PC Optimum points per $1 spent.
  • Gas category purchases are calculated at a rate of 30 PC Optimum points per litre.
  • Travel category purchases are all made with PC travel services at pctravel.ca at an earnings rate of 30 PC Optimum points per $1 spent.
  • All other purchases are calculated at an earnings rate of 10 PC Optimum points per $1 spent.

®/™Trademarks used under licence.


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


Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Mobil and Fuel Technology Synergy are trademarks of ExxonMobil Corporation or one of its subsidiaries. Imperial Oil, licensee.


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


The loyalty program is provided by President's Choice Services Inc.