Redeeming PC Optimum points at checkout with a PC Financial Mastercard is easy and lets you save money instantly at thousands of participating stores.
If you’re wondering about redeeming points while paying with a different credit card, see our guide on how to use PC Optimum points when paying with another credit card.
Here’s the clear, updated step-by-step process for both in-store and online transactions.
How to Redeem PC Optimum Points at Checkout Using PC Financial Mastercard
1. In-Store Redemption Process
- Minimum requirement: You must have at least 10,000 PC Optimum points (equal to $10) in your account.
- Remember, the minimum point redemption threshold for PC Mastercard is 10,000 points, which equals $10 off your purchase.
- At checkout:
- Inform the cashier you want to redeem PC Optimum points for your purchase.
- Present your PC Financial Mastercard and ensure your PC Optimum account linked (or swipe/scan your PC Optimum loyalty card).
- The cashier will prompt you for the number of points to redeem (in increments of 10,000 points = $10).
- Confirm the points redemption, for the corresponding amount deducted from your total bill instantly or not.
- Self-checkout: Select “Redeem PC Optimum Points” on the screen, choose your points amount, and complete the transaction as usual.
2. Online Redemption for Groceries or Merchandise
- Loblaws, Joe Fresh, Shoppers Drug Mart:
- Log in with your PC Optimum/PC id.
- Add items to your cart as usual.
- At checkout, locate the option to redeem PC Optimum points and select the number of points to apply (minimum 10,000).
- Points instantly deducted against your total purchase.
3. Redemption at Esso/Mobil Gas Stations
- At Esso pumps:
- Insert your PC Financial Mastercard (linked to PC Optimum) or swipe PC Optimum card.
- Follow prompts to redeem points:
- 4,000 points = 10¢ off per litre (up to 40 litres)
- 10,000 points = one free car wash
- Confirm and proceed with the fuel purchase or car wash.
- For details on maximizing your savings, check out the value of PC Optimum points for gas and groceries including how points translate to discounts at Esso and partner stores.
Key Rules
- You can redeem up to $500 per transaction (i.e., 500,000 points).
- Points cannot be redeemed for gift cards, taxes, or fees.
- Your receipt will display the points redeemed and your updated balance.
If you notice points not credited or missing from your account, see our step-by-step guide on how to fix missing PC Optimum points on your account.
Table: PC Optimum Points Redemption at Checkout
| Where | How to Redeem | Minimum Points | Value per 10,000 Points |
|---|---|---|---|
| In-store | Ask cashier or use self-serve kiosk | 10,000 | $10 off purchase |
| Online | Select points redemption at payment screen | 10,000 | $10 off merchandise |
| Esso/Mobil | Prompt at pump or in-store | 4,000/10,000 | 10¢/litre or car wash |