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PC Optimum points Earning Rates for PC Financial® Payment Cards

All PC Financial Mastercard® credit cards

At least 10 PC Optimum points per $1 on qualifying purchases made with any PC Financial Mastercard credit card, wherever such cards are accepted.

Gas at Esso: earn at least 10 PC Optimum points per litre when you charge an eligible purchase of gasoline or diesel fuel at a participating Esso™ or Mobil™ branded gas station in Canada to your eligible PC Financial Mastercard® credit card. Bonus points earned are in addition to the regular 10 PC Optimum points per $1 earned for all purchases charged to your card, and at least 10 PC Optimum points per litre available to all PC Optimum loyalty members. Earn an additional 10 PC Optimum 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 earning rate at the station nearest you is available in the station locator located at pcfinancial.ca/gas. For qualifying purchases of gas at participating Esso™ and Mobil™ locations using a PC Financial Mastercard card, bonus PC Optimum points are calculated for each transaction based on the transaction data provided by Esso. Eligible purchases of 0.5 litres or more will be rounded up to the next litre and eligible purchases of 0.49 litres or less will be rounded down.

You will also be eligible for any bonus PC Optimum points offers made to all PC Financial Mastercard credit card customers. All such offers are calculated separately and based on the regular 10 PC Optimum points per $1 earning rate.

PC Financial Mastercard credit card
20 PC Optimum points per $1 on qualifying PC™ travel services purchases made with a PC Financial Mastercard credit card. For these purchases you will earn the regular 10 PC Optimum points per $1 plus an extra 10 PC Optimum points per $1 charged on your card(s) for a total of 20 PC Optimum points per $.

PC Financial World Mastercard
20 PC Optimum points per $1 on qualifying purchases made with a President's Choice Financial® World Mastercard® credit card at participating Loblaw Banner Stores, Joe Fresh stores in Canada, and PC™ travel services. For these purchases you will earn the regular 10 PC Optimum points per $1 plus an extra 10 PC Optimum points per $1 charged on your card(s) for a total of 20 PC Optimum points per $.

PC Financial World Elite Mastercard
30 PC Optimum points per $1 on qualifying purchases made with a President's Choice Financial® World Mastercard® credit card at participating Loblaw Banner Stores, Joe Fresh stores in Canada, and PC™ travel services. For these purchases you will earn the regular 10 PC Optimum points per $1 plus an extra 20 PC Optimum points per $1 charged on your card(s) for a total of 30 PC Optimum points per $1.

Rounding Rules for PC Optimum points earning with all PC Financial payment products

When calculating the per-dollar PC Optimum points earned for making purchases with your PC Financial payment card, the purchase amount will be rounded down to the nearest full dollar.