| Category | Earn Rate |
|---|---|
Gas & FuelBest | 10 PC Optimum points per $1 |
Groceries | 4.5 PC Optimum points per $1 |
Dining & Restaurants | 1 PC Optimum points per $1 |
Shopping | 1 PC Optimum points per $1 |
Bills & Utilities | 1 PC Optimum points per $1 |
Streaming & Subscriptions | 1 PC Optimum points per $1 |
Transit & Rideshare | 1 PC Optimum points per $1 |
Travel & Hotels | 1 PC Optimum points per $1 |
Point values vary by redemption method. See redemption values below
| Redemption Method | Value / Point | Rating |
|---|---|---|
| In-Store at Loblaws / Shoppers Redeem at 10,000+ point thresholds for $10+ off groceries | 1.0¢ | Best |
Redeem in-store at Loblaw-banner grocers for a fixed 1cpp value
Enter your monthly spending to estimate annual rewards with this card.
Is the $120/yr fee worth it for you?
Calculate BreakevenTypical benefits for premium tier cards. Actual coverage may vary.
Based on card-specific requirements where available; household income estimated by tier.
Cash advance, balance transfer, and late payment fees are typical for this card tier. Check the issuer for exact rates.
Benefits You Use: ~$0 of ~$1,100/yr
0%Emergency Medical Insurance
Coverage for medical emergencies while travelling outside your province or country
Trip Cancellation & Interruption
Reimburses non-refundable trip costs if you need to cancel or cut your trip short
Trip Delay Insurance
Covers meals, accommodation, and essentials when your trip is delayed 4+ hours
Extended Warranty
Doubles the manufacturer warranty (up to 1 extra year) on eligible purchases
Purchase Protection
Covers theft or accidental damage on new purchases for 90 days
Rental Car Insurance
Collision and damage coverage when you rent a vehicle and pay with your card
Airport Lounge Access
Complimentary access to airport lounges (e.g., Priority Pass, Plaza Premium)
Lost or Delayed Baggage
Coverage for lost, stolen, or delayed luggage during your trip