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

Gas at Esso™ and Mobil™ stations: Earn at least 30 points per litre at Esso™ and Mobil™ stations in Canada. Points amount includes the 10 points per $1 for all qualifying purchases with a 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 the specified points per litre, points will be topped up to ensure a minimum of the specified points per litre are awarded in all transactions paid with a PC Financial® Mastercard® at Esso™ and Mobil™ locations. For qualifying purchases of gas at participating Esso™ and Mobil™ locations using a PC Financial® Mastercard® credit card, bonus PC Optimum™ points are calculated for each transaction based on the transaction data provided by Imperial Oil Limited.

PC Financial® Mastercard®

Earn 10 PC Optimum™ points per $1 on qualifying purchases made with a PC Financial® Mastercard® credit card at participating Loblaw banner stores, Shoppers Drug Mart® stores and Joe Fresh® stores in Canada.

PC Financial® World Mastercard®

Earn 20 PC Optimum™ points per $1 on qualifying purchases made with a PC Financial® World Mastercard® credit card at participating Loblaw banner stores, Shoppers Drug Mart® stores and Joe Fresh® stores in Canada. 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 $1.

PC Financial® World Elite Mastercard®

Earn 30 PC Optimum™ points per $1 on qualifying purchases made with a PC Financial® World Elite Mastercard® credit card at participating Loblaw banner stores, Shoppers Drug Mart® stores and Joe Fresh® stores in Canada. 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.

PC Insiders™ World Elite Mastercard®

Earn 40 PC Optimum™ points per $1 on qualifying purchases made with a PC Insiders™ World Elite Mastercard® credit card at participating Loblaw banner stores and Joe Fresh® stores in Canada. For these purchases you will earn the regular 10 PC Optimum™ points per $1, plus an extra 30 PC Optimum™ points per $1 charged on your card(s) for a total of 40 PC Optimum™ points per $1.

Earn 35 PC Optimum™ points per $1 on qualifying purchases made with a PC Insiders™ World Elite Mastercard® credit card at participating Shoppers Drug Mart® and Pharmaprix® stores in Canada. For these purchases you will earn the regular 10 PC Optimum™ points per $1, plus an extra 25 PC Optimum™ points per $1 charged on your card(s) for a total of 35 PC Optimum™ points per $1.

Earn at least 50 PC Optimum™ points per litre at Esso™ and Mobil™ stations in Canada. Points amount includes the 10 points per $1 for all qualifying purchases with a PC Financial® Mastercard®. In addition, earn at least 30 PC Optimum™ points per purchased litre of gasoline or diesel fuel at Esso™ and Mobil™ stations in Canada when you pay with your PC Insiders™ World Elite 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. Earn an additional 20 bonus points per litre of fuel purchased during a calendar month if you purchase a total of at least 150 litres at Esso™ and Mobil™ stations that month. The additional 20 points per litre of fuel will apply to all fuel purchases made in the same calendar month in which the 150-litre threshold was achieved, and applies to purchases of full litres only; partial litres purchased will not be eligible to earn bonus points.

Earn at least 5 PC Optimum™ points per $1 on qualifying purchases made with any PC Money™ Account, wherever such cards are accepted.

Earn 10 PC Optimum™ points per $1 on qualifying purchases made with any PC Money™ Account at participating Loblaw banner stores, Shoppers Drug Mart® stores, Pharmaprix® stores, Joe Fresh® stores in Canada, and Esso™ and Mobil™ stations in Canada. For these purchases you will earn the regular 5 PC Optimum™ points per $1 plus an extra 5 PC Optimum™ points per $1 charged on your card(s) for a total of 10 PC Optimum™ points per $1.

Bill payments, electronic funds transfers, account fees and interest are not qualifying purchases for the purpose of earning PC Optimum® points.

You will also be eligible for any bonus PC Optimum™ points offers made to all PC Money™ Account customers. Bonus offers may allow you to earn PC Optimum™ points on non-qualifying purchases or other types of transactions and are subject to terms and conditions which will be provided to you at the time of offer. All such offers are calculated separately and, where applicable, based on the PC Optimum™ points per $1 earning rates set out above.

“Qualifying purchase” means any amount charged to your PC Financial® Mastercard® or PC Money™ Account at a merchant or business, but does not include withdrawals, cash advances, balance transfers, convenience cheques and other cash-like transactions.

PC Optimum™ points will be deducted for any credits or returns. Account must be in good standing at time of qualifying transaction and awarding of points. President’s Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates at any time. Minimum 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.

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.

When calculating the per-litre PC Optimum™ points earned for making purchases on your PC Financial® payment card at Esso™ and Mobil™ stations, purchases of 0.5 litres or more will be rounded up to the next litre and purchases of 0.49 litres or less will be rounded down, except where specified otherwise in the relevant offer or earn rate.