Tips and Tricks for Earning PC Optimum™ points with your PC Financial® Mastercard®

Jun 24, 2020
Find out how to load new offers, check your PC Optimum™ points balance and redeem your points towards groceries, beauty, and more

Imagine for a moment that you could choose a superpower to use for the good of you and your family. Now, imagine that this superpower could be acquired easily and used every day for free. Chances are you’d snap it up.

Signing up for both a PC Financial Mastercard® credit card and the PC Optimum loyalty program is kind of like choosing that superpower (or at least like putting your wallet on steroids). In fact, these two programs are the key to bringing you rewards in the form of free essentials from stores that participate in the PC Optimum program. Of course, you’ll want to make sure you use them effectively without leaving benefits on the table, right? Here are four ways to make the most of your superpower…err… your PC Financial Mastercard® credit card and PC Optimum account.

Get on board
Naturally, the first step is signing up. It’s simple and totally free—just ask the cashier at one of the Loblaw banner stores (opens in a new window)External link, Pharmaprix or Shoppers Drug Mart to sign you up for a PC Optimum account and then visit PC Optimum (opens in a new window)External link online to register. If you’re not going to be in one of these participating stores, you can even sign up online from the comfort of your own home. If you apply for and activate a PC Financial Mastercard (opens in a new window)External link® credit card, either online or with an in-store representative at a PC Financial pavilion, your new PC Financial Mastercard® also can serve as your PC Optimum points collection card. Now you’re set to earn points just for doing your regular shopping. PC Financial Mastercard® purchases will earn you points for every dollar you spend everywhere, in person or online. Every 10,000 PC Optimum points is worth $10 in redeemable value at participating stores*! You can redeem points at loads of stores, including Loblaw, Real Canadian Superstore®, No Frills, Joe Fresh® and Shoppers Drug Mart. You can also earn and redeem PC Optimum points when you make purchases online at (opens in a new window)External link, order groceries through PC Express (opens in a new window)External link™ or buy beauty and skincare products at (opens in a new window)External link.

Get the app
Don’t stop at signing up! Download the PC Optimum app to see all the details of your account, learn how to use PC Optimum points, view your PC Optimum points balance, and browse flyers and other notifications about special deals. You can also load personalized offers from participating stores that are customized to offer bonus points on the essentials you buy the most. The more you use the program, the better it gets!

Combine the earning power
Sure, the cards are fantastic on their own, but what about using them in tandem? When you use your PC Financial Mastercard® to purchase products and services at participating retailers, you’ll earn your regular PC Optimum points in addition to any bonus points available through the personalized offers you’ve downloaded… Think of it as “points hacking”!

Receive offers
To make sure you’re getting the most out of the PC Optimum points program, visit the app and website to discover everything it has to offer. Sign up to receive emails that can highlight your personalized offers and bonus points events. By shopping the offers that are tailored to you, you have the potential to earn more points, more quickly.

If you haven’t already signed up, what are you waiting for? Put that (super)power into your wallet.

Click here (opens in a new window)External link to find a store that participates in the PC Optimum program and here (opens in a new window)External link to find out more about PC Financial Mastercard®.

**Minimum redemption is 10,000 PC Optimum points (worth $10 in rewards) and in increments of 10,000 PC Optimum points thereafter. Some redemption restrictions apply; visit for details and full store list.

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.

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