Using your PC Mastercard and PC Insiders World Elite Mastercard together can be a powerful way to maximize your PC Optimum points and rewards.
Whether you have both cards or want to understand how the benefits complement each other, here’s a practical guide to help you optimize.
How to Use PC Mastercard and PC Insiders Together for Maximum Rewards
1. Link Both Cards to Your PC Optimum Account
- Make sure both your PC Mastercard and PC Insiders World Elite Mastercard are linked to the same PC Optimum account. This allows you to accumulate points into one central account for faster redemption.
- You can add both card numbers to your PC Optimum profile online or through the PC Optimum website/app.
2. Use Cards Strategically to Maximize Points
- PC Insiders World Elite Mastercard: Use this card for your biggest grocery and performance spend categories (e.g., Loblaw banner grocery stores, pharmacies, Esso stations where it earns up to 40 points/$1), especially during bonus point events or when free PC Express Pass benefits apply.
- Looking to really boost your rewards? Get insider strategies on how to maximize points during bonus point events at Shoppers and Loblaws.
- PC Mastercard (base or World): Use for non-premium or everyday purchases where you still earn solid base points (10-20 points/$1), such as dining, gas outside partner stations, or when you want to keep spending separate.
3. Take Advantage of Exclusive PC Insiders Benefits
- If you hold the PC Insiders World Elite Mastercard, enjoy unlimited free PC Express delivery and pickup on grocery orders of $30 or more—a great synergy when using your PC Mastercard to earn points repeatedly.
- The higher earn rates on PC Insiders also stack with in-store or app-based bonuses, increasing your rewards per dollar.
4. Monitor Offers and Promotions Separately
- Keep track of personalized offers and weekly flyer promotions via the PC Optimum app or website.
- Some offers may apply only to one card, and some only to the other, so using both cards strategically can unlock cumulative points.
5. Manage Payments and Statements Separately
- Pay each card’s statement individually but monitor cumulative points through your PC Optimum account.
- Paying in full and on time on both cards increases your credit standing and eligibility for future upgrades or bonus offers.
Ready to take your rewards even further? Learn exactly how to upgrade your PC Mastercard to Insiders World Elite for higher earn rates and exclusive member benefits.
Summary Table: Using PC Mastercard + PC Insiders World Elite Mastercard
| Strategy Aspect | Use PC Insiders World Elite Mastercard | Use PC Mastercard (Basic or World) |
|---|---|---|
| Earn rates on Groceries | Up to 40 points per $1 | 10-20 points per $1 |
| Use for Grocery Delivery | Free PC Express pass benefit | Not applicable |
| Everyday non-grocery Spend | High earn rates on eligible categories | Good earn rates on general spending |
| Bonus and Promo Leveraging | Stack highest earn rates with app offers | Use for smaller or routine purchases |
| Payment Management | Separate payments, keep statements current | Same |
To use PC Mastercard and PC Insiders together effectively, link both to your PC Optimum account and strategically split spending for maximum rewards using PC Mastercard and PC Insiders together smartly.