Points on points on points: Your guide to maximizing PC Optimum™ points with PC Financial® cards
Are you ready to become a PC Optimum™ points earning pro? You’ve come to the right place. This guide will show you how PC Financial® can help you earn points on points on points each year¹. Just by shopping! Use this as a checklist to make sure you’re maximizing all the ways you earn points with your PC Financial® cards.
Before you get started, make sure all your points are going to the same place by linking your PC Optimum™ and PC Financial® accounts. Here’s a step-by-step guide on how to do this (opens in a new window).
Onto the points!
1. Shop points events with your PC® Mastercard® or PC Money™ Account.
One of the best ways to earn big is during PC Optimum™ points events. PC Optimum™ customers can earn points from shopping Points Days and Shoppers 20X events. However, to earn points faster, pay with your PC® Mastercard®² or PC Money™ Account³ and earn points on every dollar you spend over the points you earn through the events.
Get all your fav beauty finds at Shoppers Drug Mart® stores and earn up to 45 points⁴ per dollar spent with your PC® Mastercard® or up to 25 points⁵ per dollar spent with your PC Money™ Account.
Grabbing groceries at one of our⁶ stores? You can earn up to 30 points per dollar with your PC® Mastercard® and 10 points per dollar with your PC Money™ Account.
Don’t forget gas! You can earn at least 3 cents per litre in points⁷ with your PC® Mastercard® when you fuel up at Esso™ or Mobil™ stations in Canada.
TIP: Be sure to check the PC Optimum™ app for news about the next points events (and mark your calendar). Or sign up for PC Optimum™ and Shoppers Drug Mart® emails to stay in the loop. Finally, add your card to your mobile wallet (opens in a new window) for streamlined and seamless paying.
2. Check your personalized offers in your PC Financial® app.
Thursday mornings are about to be your favourite time. That’s when you can open your PC Financial® app to see your weekly personalized offers (opens in a new window). Not only do these offers allow you to earn points on items you buy most often, you also earn points for every dollar you spend using your PC® Mastercard® or PC Money™ Account. But that’s not all!
Linking your PC Optimum™ and PC Financial® accounts (opens in a new window) unlocks the full potential of the app. You can easily track points, view points redemption options towards free purchases at participating stores, and access personalized offers, all within your PC Financial® app.
3. Stack your personalized offers with flyer deals (and pay with your PC Financial® card).
This is how you can earn points on points on points! Get in on it, stat. Every week, check for banner flyers at your local Loblaws®, No Frills®, Maxi®, Real Canadian Superstore®, and other participating stores. Simply, open your PC Optimum™ app, click on Flyers, and look for featured items with points offer. If you also have a personalized offer on that item, you can stack the offers. That means you earn points from the flyer offer and your personalized offer! Then, pay with your PC Financial® card and you’ve discovered the ultimate points accelerator.
4. Redeem your points during redemption events.
Redeeming your points⁸ is something to get super excited about. And you should plan what you’re saving for. Keep an eye out for occasional Shoppers Drug Mart® redemption events where the redemption rate is increased. It’s a great chance to redeem your points on electronics, fragrances, or that new skincare product you’ve been eyeing. And you’ll earn points back too, which means you’re getting more for the points you’ve earned with your PC Financial® cards. Keep your eyes peeled to the PC Optimum™ app and Shoppers Drug Mart® emails for news about these great events.
Now you're ready to earn (and redeem) like a PC Financial® pro.
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.
¹Annual 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, 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.
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.
³Earn at least 5 PC Optimum™ points per dollar on qualifying purchases with your PC Money™ Account, wherever your card is accepted. Earn 10 PC Optimum™ points (5 regular PC Optimum™ points plus a bonus of 5 PC Optimum™ points) per dollar on qualifying purchases at participating Loblaw banner stores, Shoppers Drug Mart® stores, Joe Fresh® stores, and Esso™ and Mobil™ stations in Canada. Bill payments, electronic funds transfers, account fees and interest are not qualifying purchases for the purpose of earning PC Optimum™ points. PC Optimum™ points will be deducted for any credits or returns. President's Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates at any time. Account must be in good standing at time of qualifying transaction and awarding of points.
⁴All PC Optimum™ members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart® and Pharmaprix®. 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; and 30 points per dollar for PC Financial® World Elite Mastercard® cardholders.
⁵All PC Optimum™ members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart® and Pharmaprix®. When you use your PC Money™ Account, you will earn an additional 10 points (5 regular PC Optimum™ points plus 5 bonus PC Optimum™ points) per dollar of your purchases.
⁶Our grocery stores means affiliated Loblaw banner grocery stores. Visit pcoptimum.ca for details on participating stores where the PC Optimum™ program is offered.
⁷Points 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/.
⁸Minimum 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.