Get the maximum value at the best stores to earn PC Optimum points using PC Mastercard in every eligible scenario.
Earning PC Optimum points using your PC Mastercard is all about shopping at the right partner stores across Canada.
By targeting these top retailers, you’ll maximize your rewards on groceries, health, beauty, fuel, and apparel, meeting every scenario a user or Google searcher might consider.
Best Stores to Earn PC Optimum Points Using PC Mastercard
1. Loblaw Banner Grocery Stores
- Loblaws
- No Frills
- Real Canadian Superstore
- Zehrs Markets
- Fortinos
- Dominion
- Maxi
- Atlantic Superstore
- Valu-Mart
- Wholesale Club
- The Independent Grocer
Earn the highest PC Optimum points per dollar at Loblaw-affiliated grocery stores with a PC Insiders World Elite Mastercard (up to 40 points/$1), or high rates on other tiers.
For a full breakdown of eligible grocery items and how points add up at each store, see our guide on how points are earned on grocery purchases.
2. Shoppers Drug Mart & Pharmaprix
Shop at Shoppers Drug Mart (Pharmaprix in Quebec) for up to 45 points per dollar spent on health, beauty, and pharmacy purchases with your PC Mastercard. Stack bonus offers and event days like 20x Points Days for even bigger rewards.
3. Joe Fresh & JoeFresh.com
Both in-store and online at Joe Fresh, your PC Mastercard earns up to 30 points/$1 (World Elite and Insiders tiers), making it a prime destination for apparel points boosts.
4. Esso & Mobil Gas Stations
Fuel up at over 2,400 Esso and Mobil locations. Earn up to 7¢ per litre in points and stack bonuses during fuel promos, plus redeem points for gas or car washes.
Curious about gift cards? Learn the rules for earning PC Optimum points when buying gift cards with your PC Mastercard, so you never miss a points opportunity.
5. Beauty Boutique by Shoppers Drug Mart
Shop for cosmetics and skincare and earn the same high rates as at Shoppers Drug Mart locations, with frequent bonus offers for PC Optimum members.
6. PC Express (Online Grocery Pickup & Delivery)
Order groceries online from Loblaw banner stores through PC Express and pay with your PC Mastercard to secure maximum earn rates and enjoy unlimited free delivery or pickup if you’re an Insiders World Elite cardholder.
7. Other Loblaw-Affiliated Retailers
Pick up essentials or shop for deals at additional PC Optimum-affiliated stores nationwide. Find all participating stores near you using the PC Optimum store locator.
Ref: pcfinancial.ca/en/pc-optimum/
How Much PC Optimum Points do you earn using PC Mastercard?
| Store Group | Base Earn Rate (PC Mastercard) | Max Earn Rate (Insiders World Elite) |
|---|---|---|
| Loblaw grocery banners | 10 points/$1 | 40 points/$1 |
| Shoppers Drug Mart/Pharmaprix | 15 points/$1 | Up to 45 points/$1 |
| Joe Fresh | 10 points/$1 | Up to 30 points/$1 |
| Esso/Mobil gas stations | At least 3¢/L (points) | Up to 7¢/L (points) |
| Everywhere else | 10 points/$1 | 10 points/$1 |
Maximize Points With Events and Offers
Look for Points Days, personalized app offers, flyer deals, and bonus redemption events in-store and online. Always pay with your PC Mastercard and scan your PC Optimum card or app for multiplied rewards.
Plan your shopping at the best stores to earn PC Optimum points using PC Mastercard to accelerate your rewards.