You may check 4 Real Earning Rates about how many points you warn with PC Mastercard on groceries…
When you ask “How many points do you really earn with PC Mastercard on groceries,” the rates range from 10 to 40 points per $1 depending on your card tier and bonus offers, ensuring real value with each shop.
Using the PC Mastercard on groceries means you accumulate PC Optimum points based on which card you have, where you shop, and whether you stack bonus offers.
Here’s a clear, upto date breakdown of real earning rates so you’ll know exactly what to expect.
Points Earned Per Dollar at Loblaw Grocery Stores
| Card Type | Points per $1 at Groceries | Typical Earn Rate (% back) | Notes |
|---|---|---|---|
| PC Insiders World Elite Mastercard | 40 points | 4% in points | $120 annual fee, top tier |
| PC World Elite Mastercard | 30 points | 3% in points | No annual fee |
| PC World Mastercard | 20 points | 2% in points | No annual fee |
| PC Mastercard (base) | 10 points | 1% in points | No annual fee |
- PC Mastercard (base): Earns 10 points per $1 at Loblaw grocery stores such as Loblaws, No Frills, Real Canadian Superstore, Zehrs, and more.
- Spend $100: You earn 1,000 points ($1 value).
- Upgrade tiers mean higher earning world and elite tiers earn 2-4x as much for the same spend.
- Points never expire and accumulate with every purchase.
Wondering if you can boost your total by buying gift cards? Discover the ins and outs of earning PC Optimum points when buying gift cards for groceries and more.
Bonuses, Events, and Stacking
- Personalized app offers, flyer coupons, and special events like “20x Points Days” can multiply your earnings much higher sometimes up to 20x base points (e.g., spend $50, get 10,000 points).
- These promotions stack with your credit card base earn rate.
Keep in mind there are some limits on how many points you can earn or redeem per transaction. To avoid surprises, check the latest PC Optimum points limits and caps for grocery shopping and promotions.
Sample Calculation
- Buy $75 in groceries at No Frills with a World Elite Mastercard:
- Base earn: 30 * 75 = 2,250 points ($2.25 value)
- If there’s a 10x event active: 22,500 points ($22.50 value)
Curious how the math stacks up? See the real reasons when PC Optimum points beat cashback credit cards for groceries and how to calculate your best strategy.
Redeeming Your Points
- PC Optimum points are redeemed at checkout: 10,000 points = $10 off your groceries.
- No minimum redemption except 10,000 – point increments.
Grocery Stores Where Points Apply
- Loblaws, No Frills, Real Canadian Superstore, Zehrs, Fortinos, Valu-Mart, Maxi, Atlantic Superstore, Dominion, Wholesale Club, and other, all participating Loblaw banner stores.
Reference: pcfinancial.ca/en/credit-cards/