Refer your friends to earn up to 250,000 points.

Earn 25,000 PC Optimum™ points for each friend you successfully refer* to PC Financial®. You can refer up to a max of 10 friends.

Three simple steps to earning more points.

It's simple. Log in, get your unique code & share it with your friends. You'll earn 25,000 bonus points after your pal is approved for any PC Financial® product and spends $100 within 60 days of their account opening.




Click on your profile avatar and select 'My Profile'

Select 'Refer a friend'

Share your code or unique URL with your friends

Redemption made easy

As soon as you have 10,000 points you can redeem for up to $10 worth of free products and groceries at participating stores or online at (opens in a new window)External link, (opens in a new window)External link, (opens in a new window)External link and (opens in a new window)External link.

For PC Express™ service, valid for store pick‑up only.

  • Loblaws
  • No Frills
  • Shoppers Drug Mart
  • Real Canadian Superstore
  • Zehrs
  • Wholesale Club
  • Value-mart
  • Independent
  • Fortinos
  • The Mobile Shop
  • PC Express

Frequently asked questions

How do I earn 25,000 PC Optimum points through the Refer a Friend program?

Earn 25,000 PC Optimum™ points for each referral that signs up and spends $100 with their new PC Financial® card, to a maximum of 250,000 points.

The steps are easy:

  1. Log in to your PC Financial online account and select "Refer a friend" in your profile dashboard
  2. Share your referral code with up to 10 friends or family members. All referral points will be awarded to your PC Optimum account within 14 business days of the below conditions being satisfied.

Are there any other requirements to earn points when referring friends to PC Financial® products?

In order to earn a referral bonus in PC Optimum™ points from President's Choice Bank ("PC Bank"), you must ensure the following requirements are met:

  • You have provided your valid Refer-a-Friend referral code to your friend, who must enter it as part of their online application for a PC® Mastercard® or a PC Money™ Account.
  • Your friend must not have had an account with PC Bank at any time in the past.

Your friend must spend a minimum of $100 on either their PC® Mastercard® or PC Money™ Account within 60 days of account opening. Cash advances, or cash equivalent transactions will not count towards the minimum spend requirement.

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