FREE comes faster with PC Optimum™.

Use your PC Financial® card everywhere you shop and watch how fast your PC Optimum™ points add up*.

Unlock more value with your PC Optimum™ points.

Load weekly offers
Simply load your offers each week in the PC Optimum™ app and take advantage of points offers on the things you buy most.
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NEW! Pay your annual fee with PC Optimum™ points
PC Insiders™ World Elite® Mastercard® cardholders, can now use their points to cover all or part of their annual fee², while still earning the most points* on groceries, gas, health, beauty, and apparel.
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Earn more on everything you buy
Earn more points as a PC Optimum™ member when you use your PC Financial® credit card or PC Money™ Account* to shop for groceries, beauty, essentials, gas, and more. With a PC Financial® card, you earn points on every purchase, so you always get rewarded for your everyday banking^4,5 and spending.
Fuel up on points
When you buy fuel at Esso™ and Mobil™ stations in Canada with a PC® Mastercard®, you get at least 30 PC Optimum™ points per litre¹.
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PC Financial® Mastercard®: Earn a minimum of 10 PC Optimum™ points per dollar on all of your purchases charged to the credit card. Any bonus PC Optimum™ points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC Optimum™ points per dollar spent. This offer may be terminated or changed at any time.

PC Insiders™ World Elite® Mastercard®: Earn 40 PC Optimum™ points per dollar on qualifying purchases made with a PC Insiders™ World Elite® Mastercard® credit card at participating Loblaw banner stores. For these purchases you will earn the regular 10 PC Optimum™ points per dollar plus an extra 30 PC Optimum™ points per dollar charged on your card(s) for a total of 40 PC Optimum™ points per dollar. Any bonus PC Optimum™ points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC Optimum™ points per dollar spent.

PC Money™ Account: Earn at least 5 PC Optimum™ points per dollar on qualifying purchases with your PC Money™ Account, wherever your card is accepted. Earn 10 PC Optimum™ points (5 regular PC Optimum™ points plus a bonus of 5 PC Optimum™ points) per dollar on qualifying purchases at participating Loblaw banner stores, Shoppers Drug Mart® stores, Joe Fresh® stores, and Esso™ and Mobil™ stations in Canada. Bill payments, electronic funds transfers, account fees and interest are not qualifying purchases for the purpose of earning PC Optimum™ points. PC Optimum™ points will be deducted for any credits or returns. President's Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates at any time. Account must be in good standing at time of qualifying transaction and awarding of points.

^Footnote1

Points amount shown includes the 10 points per dollar for all purchases with the PC Financial® Mastercard®. In addition, earn at least 10 PC Optimum™ points per purchased litre of gasoline or diesel fuel at Esso™ and Mobil™ stations in Canada when you pay with your PC Financial® Mastercard®. You will also earn at least 10 PC Optimum™ points per litre available to all PC Optimum™ loyalty members at Esso™ and Mobil™ stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at Esso™ and select Mobil™ Stations. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate is available at the station. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 30 points per litre, points will be topped up to ensure a minimum of 30 points per litre are awarded in all transactions paid with a PC Financial® Mastercard® at Esso™ and Mobil™ locations. For full details including how points are awarded to your PC Optimum™ account and rounding rules, visit pcfinancial.ca/en/legal-stuff/pc-optimum-mastercard/ (opens in a new window).

^Footnote2

Offer available exclusively to primary cardholders of an eligible PC Insiders™ World Elite® Mastercard® account (“Account”) and holders of an eligible PC Optimum™ account, both of which must be open and in good standing at the time of redemption. With this offer, you may redeem PC Optimum™ points using your PC Financial® online account against the amount of the annual fee charged to your Account. Redemptions must be made within 45 calendar days from the date the annual fee is posted to your Account. PC Optimum™ points may be redeemed solely in the increments set out in your PC Financial® online account and for redemption value up to the amount of the annual fee charged and not otherwise credited or rebated to your Account. In the event the annual fee is later credited or rebated to your Account, the redemption credit will be refunded to your PC Optimum™ account as PC Optimum™ points at the then-applicable points value of such credit. Only one redemption is permitted per charging of the annual fee. Redemption credits under this offer will reduce the balance on your Account, but are not classified as payments and do not count towards the minimum payment obligation on your Account. Credits may take up to 3 business days to post to the Account. This offer is non-transferable, may not be combined with any other offer, and is subject to change or cancellation without notice to you. This offer and all redemptions pursuant to it are subject to the PC Optimum™ Program Terms & Conditions available online at https://www.pcoptimum.ca/company-policy/terms-and-conditions.

^Footnote3

Minimum redemption is 10,000 PC Optimum™ points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President's Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca (opens in a new window) for details, participating stores and full loyalty terms and conditions.

^Footnote4

Earn a bonus of 1,000 PC Optimum™ points for each of up to five bill payments of $50 or more to unique payees, per calendar month, made using a valid PC Money™ Account. Bonus points will be awarded to your PC Optimum™ account within 2-3 weeks of a successful bill payment.

^Footnote5

Earn a monthly bonus of up to 5,000 PC Optimum™ points when you deposit funds to your PC Money™ Account using automatic payroll or pension direct deposits. Payroll or pension deposits totaling between $1,500 and $2,999 within a calendar month will earn a bonus of 2,000 PC Optimum™ points, and deposits totaling greater than $2,999 will earn an additional bonus of 3,000 PC Optimum™ points, for a maximum monthly bonus of 5,000 PC Optimum™ points. Limited to one bonus per customer, per month, even if you have multiple PC Money™ Accounts. The classification of a direct deposit as a payroll or pension direct deposit is determined solely by President’s Choice Bank. Interac e-Transfer® services, electronic funds transfers, and other forms of deposits or transfers to your account do not count towards this bonus. Bonus points will be awarded to your PC Optimum™ account within 2-7 business days of when you meet the minimum direct deposit amount(s).

^®/TM Trademarks of Loblaws Inc., used under license.

Mastercard^® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President's Choice Bank is a licensee of the marks.

Shoppers Drug Mart^®, Pharmaprix^® and logos are trademarks of 911979 Alberta Ltd., used under license.

^®/TM Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Mobil™ is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial oil, licensee.

PC Money™ Account is provided by President’s Choice Bank.

The PC Optimum™ program is provided by President's Choice Services Inc.