Pointers for turning PC Optimum™ points into holiday magic
The season to celebrate is in full swing and that can mean time with loved ones, festive feasts, and thoughtful gifts. In other words, there’s no better time to redeem those points you’ve been collecting all year long to help you really light up the holidays!
Earning points like a pro starts with the right strategy
When you maximize your points earning with PC Financial® cards and PC Optimum™ promotions, you can redeem toward great gifts and treats to help you stuff even more in those stockings. Here are some ways to take your points earning to the next level:
Open the PC Financial® app to get your personalized offers every Thursday. And if you love a points hack (who doesn’t?), combine your app offers with local flyer offers for even more points on featured items!
Shop at participating stores to earn points on essentials. Don’t miss out on extra earning potential during bonus events like PC Optimum™ Moredays™, 25x the points at Shoppers Drug Mart® stores, and more!
Pay with your PC Financial® credit card to accelerate your points earning. (opens in a new window)
Redeeming points is easy, and oh so rewarding!6
Whether you’re looking to make an unforgettable holiday meal, check off your gift list, or fill up the tank7 for a family get together, the PC Optimum™ program is tailored to your needs and wants, letting you redeem points toward rewards that matter.
And with points that never expire, no limit on how many you can earn, and most items available for redemption at over 1,000 grocery locations, 1,300 Shoppers Drug Mart® and Pharmaprix® stores, and 2,400 Esso™ locations across Canada—using your points isn’t just easy, it’s convenient. Don’t forget, you can stretch your points even further with exclusive in-store offers like bonus redemption events at Shoppers Drug Mart® stores. Download the PC Financial® app today (opens in a new window) so you never miss an event.
So, whatever your holiday plans hold this year, make them more rewarding with these simple tips designed to help you make the most of your PC Optimum™ points and the most wonderful time of the year!
1Earn 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.
2All 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.
3Points 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/
4Earn 40 PC Optimum™ points per dollar on qualifying purchases made with a PC Insiders™ World Elite Mastercard® credit card at participating Loblaw banner stores. For these purchases you will earn the regular 10 PC Optimum™ points per dollar plus an extra 30 PC Optimum™ points per dollar charged on your card(s) for a total of 40 PC Optimum™ points per dollar. 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.
5All PC Insiders™ World Elite® Mastercard® cardholders earn the regular earning rate of 50 points per litre at Esso™ and Mobil™ stations in Canada, which includes: the standard 10 points per dollar for all qualifying purchases with the PC Financial® Mastercard®, the 30 PC Optimum™ points per litre of gasoline or diesel fuel when you pay with your PC Insiders™ World Elite® Mastercard®, and the 10 PC Optimum™ points per litre available to all PC Optimum™ loyalty members. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 50 points per litre, points will be topped up to ensure a minimum of 50 points per litre are awarded. In addition to the regular earning rate of at least 50 points per litre, PC Insiders™ World Elite® Mastercard® cardholders can also earn 20 bonus points per litre – for a total of 70 points per litre – by purchasing at least 150 litres of fuel at Esso™ and Mobil™ stations in a calendar month. The additional 20 points per litre will apply to all fuel purchases made at Esso™ and Mobil™ stations in the same calendar month in which the 150-litre threshold was achieved. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93, 94) 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. 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/
6Minimum redemption is 10,000 PC Optimum™ points (worth $10 in free rewards) and in increments of 10,000 PC Optimum™ points thereafter at participating stores. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.
7Limited to one redemption per day at Esso™ stations. 10 cents off per litre fuel redemption option valid at Esso™ stations across Canada. Car wash redemption option available at participating Esso™ stations with car wash facilities where advertised. Only redeemable at points level specified in a single transaction. 10 cents off per litre valid on actual number of litres fueled, to a maximum of 40 litres per redemption transaction, or a single car wash depending on the redemption option selected. Limit of one redemption per PC Optimum™ account per calendar day at participating Esso™ stations (in accordance with President’s Choice Services Inc.’s official records). A valid PC Optimum™ card, PC Money™ Account card or President's Choice Financial® Mastercard® must be used as part of the payment transaction in order for PC Optimum™ points to be redeemed on fuel or car wash purchases, as applicable. Car wash options available for redemption are subject to availability and do not include coin operated car washes. Car wash codes can only be used at the station where the reward was issued unless otherwise specified in writing at the time of redemption and may be subject to expiration timelines. Redemption not available using manual card number entry, phone number entry, or the Esso and Mobil™ app. For fuel redemption, taxes payable on full purchase price before application of reward. Points are not redeemable for cash or credit. We are not obligated to award or redeem points based on errors or misprints. PC Optimum™ redemption is not available at Mobil™ stations.
.webp)