PC Financial®

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.




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 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®?

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.