Rewards
Base earn rate10 PC Optimum points per $1 spent
ProgramPC Optimum
Welcome bonusEarn a one-time bonus of 50,000 PC Optimum points when you spend $100 CDN or more in total qualifying purchases at participating Loblaw banner grocery stores, The Mobile Shop stores, Joe Fresh stores, Shoppers Drug Mart stores, Pharmaprix stores, Esso or Mobil stations in Canada within 60 days of account approval
Rewards typepoints
Fees & rates
Annual fee$0
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Redeem PC Optimum points instantly in-stores and in-app to pay down your balance
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident