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Refer your friends to earn up to 150,000 points.

For a limited time, earn 50,000 PC Optimum™ points for each friend you successfully refer* to PC Financial®. You can refer up to a max of 3 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 50,000 bonus points after your pal is approved for any PC Financial® product and spends $100 by December 31st, 2021.




Redemption made easy.

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

Find locations in your areaExternal 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 Travel
  • PC Express

Frequently asked questions

How do I earn 50,000 PC Optimum points through the Refer a Friend limited time offer?

Until December 31, 2021, earn 50,000 PC Optimum™ points for each referral that signs up and spends $100 with their new PC Financial® card, to a maximum of 150,000 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 3 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®?

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 Financial® 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 Financial® 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.