3 Ways The PC® Mastercard® Can Earn You Up To 10% Back in Points with the PC Optimum™ program!

May 1, 2024
Tapping a PC Mastercard on a card machine with a lot of points pucks around it

Waiting to earn rewards from sluggish loyalty programs can be a real drag, we get it. But what if we told you there are ways you can fast forward to free1, simply by paying with your PC® Mastercard® and earning unlimited points that don’t expire?

The PC® Mastercard® is the ONLY credit card that can get you up to 10% back in PC Optimum™ points in combination with the PC Optimum™ program*, by rewarding you for buying essentials like groceries, beauty products, gas, and apparel.

Want to know how you can fast forward to free with your PC® Mastercard®? It might just be some of the things you’re already doing:

1. Unleash the points magnet!

Show your PC® Mastercard® some love and pay with it every time you shop to accelerate your points earning on every dollar you spend. You can earn:

  • Up to 30 points/$1 on groceries at Loblaw banner grocery stores2.

  • Up to 45 points/$1 on health and beauty purchases at Shoppers Drug Mart® stores3.

  • At least 3¢/L in points when you fuel up at Esso™ and Mobil™ stations in Canada4.

  • Up to 30 points/$1 on apparel at Joe Fresh®2.

  • 10 points/$1 everywhere else you shop2.

2. Score more points at your favourite shopping spots!

Shop at over 4,500 participating (opens in a new window)External link stores like Loblaws®, Joe Fresh®, Shoppers Drug Mart®, No Frills®, and many more to earn points on essentials when you shop with your PC® Mastercard®. Plus, fuel up at over 2,400 Esso™ & Mobil™ stations nationwide to keep your rewards rolling in. Want to score more points? Don't forget to look out for bonus events like PC Optimum™ Points Days, 25x Points Days at Shoppers Drug Mart® and Pharmaprix® stores (and redemption events where you can get even more value out of using the points you’ve already earned!)

3. Thursdays are the new Fridays!

Open the PC Financial® app (opens in a new window)External link every Thursday to get your weekly personalized offers.

These are tailored to your shopping habits to help you earn more points on the things you buy most often. Also remember, offers from local flyer deals + personalized offers = MORE POINTS on featured items! Then pay with your PC® Mastercard® to maximize your PC Optimum™ points earning potential (opens in a new window)External link.

Forget about TGIF because Thursdays just got a whole lot more exciting!

When it comes to credit cards, trust and recognition go hand in hand. The PC® Mastercard® has consistently been ranked as the #1 most trusted no annual fee credit card by Canadian shoppers in the BrandSpark® Most Trusted Awards. Additionally, the PC® World Elite® Mastercard® was recently named the Best Points Credit Card for Gas by MoneySense, AND Best Family Card for Gas and Groceries according to RATESDOTCA.

But don't just take our word for it. Here's what one of our customers had to say about their experience with the PC® Mastercard®:

A customer testimonial talking about their experience with the PC Mastercard and how he strategically plans and stacks his points to reduce his grocery budget by 10%

Now that you know how you could get up to 10% back in points with the PC® Mastercard® in combination with the PC Optimum™ program*, go on and give your wallet a break! Earn unlimited points that never expire and easily redeem them to chip away at some of your everyday expenses. And let’s be honest, who doesn’t love being rewarded for simply going about their daily routine? So, get set to accelerate your points earnings!

Explore our card suite (opens in a new window)External link, apply now and fast forward to free with points on every purchase.

General information not about PC Financial® products is provided for your reference and interest only. The above content is intended only to provide a summary and general overview on matters of interest and is not a substitute for and should not be construed as the advice of an experienced professional. PC Financial® does not guarantee the currency, accuracy, applicability, or completeness of this content.

*Annual 10% back in points may be achieved in numerous ways; including when you spend on average $7,000 using your PC Financial® Mastercard® in combination with the PC Optimum™ loyalty program and bonus points events, with approximately: (i) 65% of that spend allocated to purchases in our stores that maximize personalized offers in our grocery stores from the PC Optimum™ program; (ii) 15% at Shoppers Drug Mart/Pharmaprix on 20x Points Days and (iii) 20% everywhere else. Our 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. Value shown is for illustrative purposes only; results may vary based on individual purchase behaviour.

1Minimum redemption is 10,000 PC Optimum™ points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President's Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions.

2Earn 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.

3All PC Optimum™ 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 Insiders™ World Elite Mastercard® cardholders.

4Points amount shown includes the 10 points per dollar for all purchases with the PC 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 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 Esso™ and Mobil™ locations. For full details including how points are awarded to your PC Optimum™ account and rounding rules, visit pcfinancial.ca/en/legal-stuff/pc-optimum-mastercard/

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