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Shoppers Drug Mart has the most generous card-tier bonuses
PC Financial cards earn extra points per dollar that stack with base earning
Check the PC Optimum app for your weekly loaded offers
How PC Optimum Works
- Points redeem at a flat rate — 10,000 points = $10. Minimum redemption is 10,000 points.
- The base earn rate is 15 points per $1 (~1.5%) at most Loblaw grocery stores and Shoppers Drug Mart.
- Personalized offers reload in the PC Optimum app each week — these are the real value driver and can multiply your base rate 2x to 25x on specific products.
- Shoppers Drug Mart runs 20x points events a few times per year — stacking these with a PC card can push returns to 30%+ back.
- The PC Financial Mastercard adds 10 pts/$ at Loblaw stores, Shoppers, and everywhere else — no annual fee.
- The PC Financial World Elite Mastercard adds 15 pts/$ extra at Shoppers and 30 pts/L at Esso — $80K income requirement, no annual fee.
- Points never expire as long as you earn or redeem at least once every 12 months.
Estimates based on published PC Optimum and PC Financial rates as of April 2026. Actual earning may vary with targeted offers, exclusions, and promotional changes. The World Elite Mastercard earns 30 pts per litre at Esso — the Esso row approximates this as 30 pts per dollar, which may differ from your actual result depending on gas prices. This calculator is for educational purposes only.