Yes, you can earn PC Optimum points when buying gift cards with your PC Mastercard, if you purchase gift cards from eligible stores and pay with your PC Financial card.
Key Details and Rules to Earn PC Optimum Points for buying Gift Cards with PC Mastercard
- Buying Gift Cards In-Store (Loblaw Banners):
- Purchasing gift cards at Loblaw family grocery stores (Loblaws, Real Canadian Superstore, No Frills, etc.) with your PC Mastercard will earn base points just as with any other purchase.
- Example: Base earn rates are 10-40 points per $1 depending on your card tier.
- Gift Cards Bought Online (Gift of Choice Shop):
- You earn up to 30 points per dollar spent on gift cards bought through giftofchoice.ca using your PC Mastercard.
- Exceptions:
- Some bonus offers, personalized points events, or specialized rewards may exclude gift card purchases.
- check offer details in the PC Optimum app for exclusions.
- Shoppers Drug Mart generally does not award PC Optimum points on third-party gift card purchases, regardless of payment method.
Reference: https://www.giftofchoice.ca/en/pc-financial/
Important Caveats
- If you purchase a gift card during a special points event or personalized offer, review the fine print.
- Many “Spend $X, Get Y Points” events may exclude gift card purchases.
- Points earned on gift card purchases are usually just the base credit card rate – bonus, personalized, or flyer offers often do not apply.
Best Practices
- Always scan your PC Optimum card and pay with your PC Mastercard.
- Choose Loblaw grocery banners or giftofchoice.ca for eligible gift cards.
- Don’t expect points for gift card purchases at third-party retailers or non-partner stores.
Looking to maximize your PC Optimum points when buying gift cards? Discover the most effective ways to use PC Insiders together for maximum PC Optimum points, including stacking your card benefits and promo offers.
For most scenarios, you can earn PC Optimum points buying gift cards with PC Mastercard at designated stores or online, but only base points typically apply, and not all stores or offers qualify.
Always confirm exclusions for events and special promos to ensure you’re earning PC Optimum points buying gift cards with PC Mastercard.