PC Financial®

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 a PC Financial® product. You can refer up to a max of 3 friends.

150K Offer Bubble

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 with their new card by November 6, 2023.




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 shoppersdrugmart.caExternal link, pharmaprix.caExternal link, joefresh.comExternal link and pcexpress.caExternal 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 50,000 PC Optimum™ points through the Refer a Friend limited time offer?

Until November 6, 2023, earn an additional 25,000 PC Optimum™ points on top of the standard 25,000 points, for a total of 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 above 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 OR by November 6, 2023, whichever comes first. Cash advances, or cash equivalent transactions will not count towards the minimum spend requirement.