PC Financial®

Free comes faster with PC Optimum

Mobile phone showing the PC Optimum app
For every $1 spent on zucchini
200 pts - For every $1 spent on bread - Loaded
500 pts - For every $1 spent on cereal

Get rewarded.

Use your PC Financial® card everywhere you shop* and watch how fast your PC Optimum points add up. For every 10,000 points you earn, redeem for $10 worth of free stuff from beauty to groceries and so much more at 4,500+ locationsExternal link across Canada.

Earn on everything you buy.

Score points for your purchases everywhere when you shop with a PC Financial® Mastercard® or PC Money™ Account*.

Your guide to more points.

  • Load weekly offers

    Register at PCOptimum.caExternal link to get weekly offers tailored to you. Simply load your offers each week in the PC Optimum™ app and take advantage of points offers on the things you buy most.

  • Earn points at
    Shoppers Drug Mart and Pharmaprix

    You get points on points when you shop in-store and online at Shoppers Drug Mart or Pharmaprix. On top of the points you earn with your PC Financial® card*, get the additional 15 points all PC Optimum members earn for almost every dollar spent on beauty, essentials, and more.

  • Shop special in-store events

    Take advantage of exclusive points events at participating stores, like Shoppers Drug Mart or Pharmaprix 20x events.

  • Fuel up on points

    When you buy fuel at Esso™ and Mobil™ stations in Canada with PC Financial® Mastercard®, you get at least 30 PC Optimum points per litre1Additional information provided in legal stuff at the bottom of the page..

  • Get more of a good thing with PC Optimum Insiders™ subscription

    Earn 10% back in points on all PC® product purchases, plus much more, with PC Optimum Insiders™ subscription. Try one month free3Additional information provided in legal stuff at the bottom of the page..

Redemption made easy

As soon as you have 10,000 points you can redeem11 for up to $10 worth of free products and groceries at participating storesExternal link or online at shoppersdrugmart.caExternal link, or pharmaprix.caExternal link, joefresh.comExternal link and pcexpress.caExternal link.

10,000 points equals $10.

More points. More Places.

Earn and Redeem PC Optimum points where you love to shop.

  • Loblaws
  • No Frills
  • Shoppers Drug Mart
  • Real Canadian Superstore
  • Fortinos
  • Independent
  • Value-mart
  • Wholesale Club
  • Zehrs