| Category | Earn Rate |
|---|---|
Gas & FuelBest | 2.5 PC Optimum points per $1 |
GroceriesBest | 2.5 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.
Typical benefits for mid tier tier cards. Actual coverage may vary.
Ecosystem Card — pc_optimum
This card offers enhanced earn rates within the pc_optimum ecosystem. Use it at partner merchants for maximum rewards.
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 ~$475/yr
0%Emergency Medical Insurance
Coverage for medical emergencies while travelling outside your province or country
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