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Score points and live that no fee life, every way you shop. Score points and live that no fee life, every way you shop.

Two ways to earn more PC Optimum™ points

Introducing

PC Moneyᵀᴹ Account.

The PC Money Account works like a bank account you can use worldwide, even online, anywhere Mastercard® is accepted.

No monthly fees1

  • 10 PC Optimum points per $1, everywhere2.
  • Earn up to 50,000 bonus PC Optimum points with introductory offers3, including up to 5,000 PC Optimum points for monthly bill payments.
  • Spend your money in-store and online with unlimited number of everyday transactions4.
  • Optional Overdraft Protection5.
  • Send and receive free Interac e-Transfer®.
  • Set personalized savings goals.
  • Mastercard® Zero Liability Promise for unauthorized purchases6.

Credit Card

PC Financial® Mastercard®

The PC Financial Mastercard® is the fastest way to earn PC Optimum points on your everyday purchases.

No annual fee

  • Get up to 30 PC Optimum points per $1 on all the stuff you need: groceries, beauty, household products, and more at participating stores.7
  • Earn at least 30 PC Optimum points per litre of fuel at Esso™ and Mobil™ stations in Canada.8
  • Earn 10 PC Optimum points per $1 everywhere else.
  • Unlock great benefits, like free extended warranty and purchase assurance.9
  • Add up to 4 family members to your account to earn more points through their purchases with the card.
  • Get a Welcome Bonus of 20,000 PC Optimum points.10

Subject to credit approval and other eligibility criteria.

Redemption made easy

As soon as you have 10,000 points you can redeem them for up to $10 worth of free products and groceries at any participating store or online at shoppersdrugmart.ca, pharmaprix.ca, JoeFresh.com websites.

10,000 points = $10

Earn PC Optimum points across many locations and redeem in our grocery and drugstores*.

Logos: Loblaws, Pharmaprix/Shoppers Drug Mart, No Frills, Real Canadian Superstore, Zehrs, Wholesale Club, Valu-mart, Independent, Fortinos, The Mobile Shop, Esso, Mobil, PC Travel.

Legal Stuff

    3 Earn up to 50,000 bonus PC Optimum™ points by taking advantage of introductory offers. Here are all the bonus points available to you:
  • Earn 10,000 bonus PC Optimum™ bonus points when you make your first purchase of $50 or more, using a valid PC Money™ Account, within three months of account approval. Limit one offer per PC Money™ Account. Account must have sufficient funds at the time of purchase. Bonus PC Optimum™ points will be deducted for any returns. Bonus points will be awarded to your PC Optimum™ account within 4-7 days of eligible transaction.
  • Earn one bonus of 10,000 bonus PC Optimum™ points when you link a bank account with another financial institution to your PC Money™ Account and receive a success message upon verifying your external account online. Limit one offer per customer. Both accounts must be in good standing at the time they are linked. Bonus points will be awarded to your PC Optimum™ account within 4-7 days of successfully linking accounts.
  • 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 4-7 days of a successful bill payment.
  • Earn a one-time bonus of 25,000 PC Optimum™ points when you set up automatic payroll or pension direct deposit into your PC Money™ Account for the first time and complete at least three direct deposits into the account within the three consecutive months following setup. Limit one offer per PC Money™ Account. Bonus points will be awarded to your PC Optimum™ account within 4-6 weeks of completing your third direct deposit.