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How To Maximize Your PC Optimum Rewards

As soon as upon a time there have been 2 separate and comparatively fashionable rewards applications: PC Plus, which you’d use if you acquired groceries, and Customers Optimum, which you’d use at Customers Drug Marts.

Then in the future these 2 applications have been merged right into a single program – PC Optimum rewards, and, after a couple of preliminary hiccups, it has develop into one of the fashionable loyalty rewards applications in Canada.

In the event you store wherever you may earn PC Optimum rewards, you must in all probability join and get your self a collector card. It's tremendous simple to gather factors, they usually have actual worth you should use for all types of on a regular basis purchases, starting from toiletries and groceries to excessive finish electronics and video games.

PC Optimum at a look

PC optimum factors worth

Determining the worth of your PC Optimum factors could be very easy, as a result of these factors have a normal and constant worth of 0.1 cent every.

You possibly can't redeem factors till you may have collected at the least 10,000 factors, however when you do, you may redeem each 10,000 factors for $ 10 off your buy.

The utmost you may redeem in any single buy is 500,000 factors, or $ 500.

Methods to redeem your PC Optimum factors

As quickly as you may have collected 10,000 PC Optimum factors, you may redeem them 10,000 at a time for $ 10 off your purchases at any taking part shops, or on-line on the Customers Drug Mart or JoeFresh web sites.

Sadly you can’t redeem your PC Optimum factors at Esso or Mobil fuel stations. You possibly can gather factors at these locations, in fact, which you’ll then redeem on the almost 2,500 different taking part Loblaws shops.

PC optimum areas

PC Optimum is owned by the Canadian retail conglomerate Loblaws corporations, and you’ll gather PC Optimum factors at a lot of the shops that fall underneath that bigger umbrella. These embrace the next shops.


  • Loblaws
  • No frills
  • Actual Canadian Superstores
  • The Unbiased Grocer
  • Zehrs
  • Fortinos
  • Wholesale membership
  • Valu-Mart
  • Unbiased CityMarket
  • Atlantic Superstore
  • Dominion
  • Maxi


  • Customers drug mart
  • Pharmaprix



In the event you're like me, you in all probability didn't understand that you may gather PC Optimum factors in any respect these locations. Simply bear in mind most of those shops will solely offer you factors by bonus affords. The one shops with common earn charges on each buy are Customers Drug Mart banner shops, and at Esso and Mobil fuel stations.

How and the place to earn PC Optimum factors

For essentially the most half, to gather PC Optimum factors, you need to store at taking part shops, however there are a couple of methods you may simply crank up how shortly you gather these helpful rewards.

Register for the PC Optimum rewards program

At the beginning, you want to join the PC Optimum program on the PC Optimum web site.

Get began by clicking on the “Register” button within the prime proper nook. You’ll need to enter your e-mail tackle and a password, conform to the Privateness Coverage and Phrases and Circumstances, then click on the “Create a PC id” button.

At this level you’ll be prompted to enter your first and final title, and given the selection to choose in to the weekly PC Optimum affords publication (which may get you numerous bonus factors as we’ll define beneath).

The following step includes linking a PC Optimum card and / or a PC Monetary bank card to your account. In case you have neither of those but, you’ll nonetheless have the choice to entry your card by the PC Optimum app, which we speak about in additional element shortly.

Get a PC Optimum collector card

In the event you don’t have a PC Optimum collector card but, you will get one at any of the Loblaws-owned shops, equivalent to No Frills, any of the Superstores, or Customers Drug Mart.

After getting a card you can begin utilizing it instantly, even earlier than linking it to your account.

You need to hyperlink that card to your PC Optimum account, nevertheless, so all of your factors correctly accumulate into your account. You possibly can hyperlink your card by the web site at any time.

PC Optimum app

In case you have a sensible cellphone with an information plan, you must also load up the PC Optimum app. This app is on the market by the Apple Retailer or Google Play.

The PC Optimum app is a really handy option to:

  • gather rewards,
  • hold monitor of the factors you've collected,
  • see an in depth breakdown of the factors you've acquired for every transaction,
  • get personalised affords that match your spending habits,
  • and see flyers out of your favourite taking part shops.

You don’t even have to hold your common PC Optimum card with you if you happen to use the app – you may deliver up a scannable barcode proper in your cellphone that retailers can use as a substitute.

When you get within the behavior of utilizing the app, you'll end up amassing much more factors with the personalised affords. It’ll additionally allow you to concentrate on the varied bonus affords which might be out there.

PC Monetary bank cards

You may as well hyperlink your PC Monetary bank card to your PC Optimum account. Each time you employ your bank card, you’ll earn bonus PC Optimum factors so as to add to your assortment.

Not one of the PC Monetary bank cards have an annual payment, and you’ll ramp up your PC Optimum factors amassing even sooner if you happen to use one.

So, what number of bonus factors are you able to earn with these bank cards?

PC Monetary World Elite Mastercard PC Monetary World Mastercard PC Monetary Mastercard
Annual payment $ 0 $ 0 $ 0
Factors on in-store purchases 30 factors per $ 1 spent 20 factors per $ 1 spent 10 factors per $ 1 spent
Factors on Customers Drug Mart purchases * 45 factors per $ 1 spent 35 factors per $ 1 spent 25 factors per $ 1 spent
Factors on Esso gasoline purchases (per liter) * 20 factors per liter 20 factors per liter 20 factors per liter
Factors on purchases at PC Journey 30 factors per $ 1 spent 20 factors per $ 1 spent 20 factors per $ 1 spent
Factors on purchases in every single place else 10 factors per $ 1 spent 10 factors per $ 1 spent 10 factors per $ 1 spent

* These totals embrace factors earned as a daily PC Optimum member.

Provided that PC Optimum typically has bonus affords the place you may earn 1000’s of additional factors in a single transaction, these might seem to be comparatively small potatoes, however they add up fairly shortly if you happen to use your PC Monetary bank card frequently.

Different prime bank cards to make use of at Loblaws banner shops

In the event you're not interested by maximizing your PC Optimum factors through the use of a PC Monetary bank card, there are different bank cards you should use at Loblaws shops.

It might really be in your greatest pursuits to take action, as a result of you should use a bank card to earn different rewards – equivalent to AIR MILES or simply straight money again – whereas additionally incomes PC Optimum factors by presenting your PC Optimum card or app.

Right here’s a fast overview of a few of our prime different bank cards you would possibly contemplate.

Bank card Welcome bonus Earn Council Annual payment Apply Now
Scotia Momentum Visa Infinite Earn 10% money again for the primary Three months, as much as $ 2,000 in spend (phrases) * 4% money again on recurring payments and grocery purchases
* 2% money again on fuel and each day transit
* 1% money again on all different purchases
$ 120 Apply Now
Brim World Elite Mastercard Earn as much as $ 500 in bonuses after making your first purchases with taking part retailers (phrases) * 2 factors per $ 1 spent (as much as $ 25,000 spent yearly)
* 1 level per $ 1 spent after that
$ 199 Apply Now
Brim Mastercard Earn as much as $ 200 in bonuses after making your first purchases with taking part retailers (phrases) * 1 level for each $ 1 spent $ 0 Apply Now
BMO AIR MILES World Elite Mastercard 2,000 bonus miles after spending $ 3,000 within the first Three months (phrases) * 1 mile for each $ 10 spent on all purchases $ 120 Apply Now
MBNA Rewards Platinum Plus Mastercard 5,000 bonus factors after spending $ 500 or extra within the first Three months (phrases) * Four factors for each $ 1 spend on eligible fuel, groceries, and eating places spent within the first 90 days
* 2 factors for each $ 1 spent on eligible fuel, groceries, and eating places
* 1 level for each $ 1 spent on all different eligible purchases
$ 0 Apply Now
Tangerine Cash-Again Credit score Card None * 2% Cash-Again on purchases in as much as Three classes of your selection
* 0.5% Cash-Again on all different purchases
$ 0 Apply Now

So, what do these playing cards have to supply?

The is certainly one of our prime money again playing cards, providing a beneficiant 4% money again on grocery purchases and recurring payments.

Mixed with 2% money again on fuel, and 1% money again on all the pieces else, this can be a strong card to think about using to actually maximize the rewards you earn on the grocery retailer.

The can also be a money again card, however this one with a flat 2% money again earn fee on the primary $ 25,000 you spend per yr.

Brim Rewards factors are price 1 cent per level, and may be redeemed within the type of assertion credit – in order that they're basically money again.

Mixed with the beautiful 15 sorts of insurance coverage coverages the cardboard comes with, this card is price one other look.

In the event you're in search of a superb money again card with no annual payment, the could be the one for you. With a 1% flat fee money again on all purchases and 5 forms of buy and journey insurance coverage, it's a superb no payment card to maintain in your pockets.

Are you an avid AIR MILES collector? Then the could be the suitable card so that you can use whereas making on a regular basis purchases.

It has among the best AIR MILES earn charges of 1 mile for each $ 10 spent on all bank card purchases, which is double the traditional AIR MILES earn fee. Mix that together with your PC Optimum card, and also you'll be racking up rewards in every single place.

In the event you're in search of a brilliant versatile journey rewards card, the is price a glance. MBNA Rewards factors are price $ 0.01 per level when redeemed for journey, and $ 0.005 per level when redeemed for money statements.

And eventually now we have the , one other strong selection for a no payment money again card. With this card you’ll earn 2% Cash-Again on purchases in as much as Three classes of your selection, and 0.5% Cash-Again on all different purchases.

Maximizing your PC Optimum factors

So we've already touched on a couple of of those, however right here's our fast listing of how you may maximize your PC Optimum factors assortment.

Join weekly personalised PC Optimum affords

All of us already get means an excessive amount of e-mail, however this one could also be price signing up for. As soon as every week you’ll obtain an e-mail from PC Optimum reminding you to test your app or PC Optimum account for this week’s personalised affords.

You’ll have to “load” these affords by checking your app or account, nevertheless, so remember to click on that button when the e-mail arrives.

Get a PC Monetary Mastercard

We already talked about this above, however if you happen to're actually eager on amassing PC Optimum factors as shortly as attainable, getting one of many PC Monetary Credit cards will allow you to earn factors wherever you store.

Obtain and use the PC Optimum app

Having the app doesn't enhance how shortly you gather PC Optimum factors, however it’s a actually handy option to gather and redeem factors, keep on prime of the present bonus affords, and monitor what number of factors you've collected.

Look ahead to particular incomes and redemption days

Occasionally PC Optimum can have a big bonus supply the place you may gather an enormous variety of factors.

For instance, simply this previous weekend I noticed that Customers Drug Mart was providing 20x factors if you happen to spent $ 50 or extra. Just by getting in and shopping for a bunch of on a regular basis gadgets we already wanted, I scored an additional 14,250 factors. That's over $ 14 in worth.

And this week I’ve one other supply for 25,000 bonus factors if I spend $ 75 or extra at Customers Drug Mart. That’s one other $ 25 in worth, only for doing my common outdated procuring.

Keep a number of accounts in a family

Whereas it's attainable so that you can share your PC Optimum account together with your partner, it actually is smart so that you can have separate accounts.

Most PC Optimum bonus affords are solely out there as soon as per account, so if you happen to're sharing an account you may solely use it as soon as. In the event you each have an account, you may every make the most of a suggestion, successfully doubling your rewards.

If you wish to maximize your rewards, it simply is smart for every particular person in your family to have their very own account.

Refill on gadgets when you may max out your factors

If you do discover these large bonus affords, why not replenish on necessities to take full benefit? You might not want $ 75 price of bathroom paper or pantry gadgets proper now, but when you will get 25,000 factors it’d make sense to replenish, particularly if these gadgets are additionally on sale.

Once I took benefit of the 20x factors at Customers Drug Mart, it was by stocking up on shampoo, bathe gel, toothpaste, and different toiletries, all of which was on sale for at the least 50% off.

The outcome? I acquired over $ 100 price of toiletries for simply over $ 50, and I acquired over $ 14 price of bonus PC Optimum factors. What's to not love about that?

Stack promotions if you happen to can

Planning this form of factor generally is a bit trickier, as a result of it's arduous to be actually positive which promotions will or gained’t stack.

Your greatest wager is to maintain a watch out for bonus level days and spend a little bit of time going by the affords out there that week to maximise the factors you’ll get.

Get your fuel at Esso or Mobil

When you can't use your PC Optimum factors to purchase fuel, you may earn factors for each liter you purchase. In the event you additionally use your PC Monetary bank card, you’ll earn much more rewards only for filling up at Esso or Mobil stations.

Be a part of PC Insiders

Lastly, PC Optimum has the “PC Insiders” membership. For $ 9.99 a month you may earn further factors, get free transport, and get free on-line grocery pickup at taking part shops.

In the event you get an annual PC Insider subscription for $ 99, not solely will you lower your expenses in your membership, you’ll additionally get a $ 99 journey credit score (making membership basically free), and an annual shock reward only for being a member.

On prime of this, members can get big level bonuses for some issues. For instance, proper now PC Insiders can get 200 PC Optimum factors for each $ 1 spent on merchandise from the PC Black Label assortment, Joe Recent, or chosen gadgets on the Customers Drug Mart web site.

And that is along with the factors you’ll already get at taking part retailers.


How versatile is the PC Optimum rewards program?

PC Optimum is reasonably versatile. You possibly can solely earn and redeem factors at retailers which might be a part of the bigger Loblaws conglomerate, however these retailers promote all kinds of on a regular basis necessities like groceries, toiletries, and fuel.

Can I take advantage of PC Optimum factors to purchase fuel?

Sadly, you can not use PC Optimum factors to pay for fuel at Esso and Mobil stations. You’ll earn factors for these purchases, nevertheless, which you’ll then use at any of the opposite virtually 2,500 taking part retailers.

Do PC Optimum factors expire?

PC Optimum factors to not expire. You can begin redeeming them as quickly as you gather 10,000 factors, and you’ll redeem as much as 500,000 factors in a single transaction ($ 500).

Can I take advantage of PC Optimum factors to pay taxes on purchases?

You might not be capable of use PC Optimum factors to cowl taxes on purchases at sure taking part retailers. There's no set listing of which shops don't will let you use factors to cowl taxes on purchases, however they'll let you recognize if you're making purchases.

How can I maximize my PC Optimum factors?

We really cowl a couple of alternative ways right here, however a very powerful issues are to ensure you use your PC Optimum card or app at any time when you may, contemplate getting a PC Monetary Mastercard, and ensuring you join the weekly PC Optimum publication. In the event you're the kind to hitch golf equipment, the PC Insiders membership can also be an effective way to get bonus factors.

Are there any disadvantages to the PC Optimum program?

The one actual drawback is that you would be able to solely gather rewards at taking part retailers, so that you're not going to earn these rewards on all the pieces you purchase. You possibly can offset this by signing up for different reward applications like AIR MILES or Aeroplan, or by getting a very good money again bank card to maximise rewards in different methods.

How can I join the PC Optimum rewards program?

You’ll need to go to the PC Optimum web site and register for an account. You’ll additionally need to both get one of many PC Optimum collector playing cards at a taking part retailer, or set up the PC Optimum app in your smartphone.

Backside line

The PC Optimum program had a couple of points when first began, however these have all been cleared up. It's an extremely fashionable rewards program in Canada now, and by paying a bit little bit of consideration to how and the place you earn factors, you may actually maximize the worth you get from it.

Are you a PC insider? Do you suppose this program is well worth the subscription charges?

What are your prime ideas for maximizing your PC Optimum rewards?

Tell us within the feedback.

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