How the PC Optimum Program Works

by Barry Choi February 2, 2018 / No Comments

It’s official, Shoppers Optimum and PC Plus have merged to become PC Optimum. With PC Plus having 8 million members and Shoppers Optimum having 11 million members, this merger clearly affects a lot of Canadians.

If you haven’t been following the news, we’re here to tell you the new PC Optimum program is much better for consumers. Not only will you earn points quicker, you’ll also be able to redeem points much faster and at many more retailers.

How PC Optimum works

Once you’ve merged your Shoppers Optimum and PC Plus accounts through the website or app, your points will automatically be converted to PC Optimum. The good thing is, you won’t lose any value to your points. If you had $100 in Shoppers Optimum points, you’ll now have $100 in PC Optimum points.

Earning points has become much easier. You’ll earn 15 PC Optimum points for every $1 spent at Shoppers Drug Mart / Pharmaprix and 10 PC Optimum points for every $1 spent where PC products are sold. You can also earn points on personalized offers and in-store promos.

PC Financial World Elite MasterCard


  • No annual fee
  • Earn 45 PC Optimum Points per $1 spent at Shoppers Drug Mart / Pharmaprix
  • Earn 30 PC Optimum Points per $1 spent where President’s Choice products are sold
  • Earn 10 PC Optimum Points per $1 spent on all other purchases

How to redeem PC Optimum points

The great thing about PC Optimum is that it only takes a minimum of 10,000 Points to redeem $10 in merchandise. In other words, 1,000 points = $1 which makes things easy to remember when you’re trying to figure out how much your points are currently worth.

Your points can be redeemed at nearly 2,500 stores including Real Canadian Superstore, Atlantic Superstore, City Market, No Frills, Independent, Zehrs, Loblaws, Shoppers Drug Mart, Shoppers Home Health Care. In addition, you can use them at online at Loblaw-owned Click & Collect websites, joefresh.com and beautyBoutique.ca.

While in store, just let the cashier know that you’d like to redeem some points when you’re ready to pay and they’ll let you know how many points you have available. Note that you can only make a redemption in 10,000 point increments.

PC Optimum points value

  • 10,000 PC Optimum points = $10
  • 20,000 PC Optimum points = $20
  • 30,000 PC Optimum points = $30

Since you’ll earn a minimum of 10 points for every $1 spent, and it takes 10,000 points to redeem $10, PC Optimum works out to be a 1% cash-back program. However, there are MANY ways to boost your earn potential.

How to earn more PC Optimum points

The great thing about PC Optimum is how you can earn more points quickly. Both PC Plus and Shoppers Optimum had targeted offers which allowed you to earn quite a few extra points as long as you have loaded them to your account. With PC Optimum, you’ll still get those targeted offers so that means you’ll earn more points on everyday purchases that you already make.

Shoppers Drug Mart also had 20X the points days which were quite popular with Canadians. Don’t worry, those aren’t going anywhere so think about your earn potential.

In addition, PC Financial has three different Mastercard accounts that allow you to earn a minimum of 10 PC Optimum points per dollar spent, and up to 3X the points at participating stores as long as you charge your purchases to a PC Financial World Elite Mastercard. With that card, you’ll earn up to 45 PC Optimum points for every $1 spent at Shoppers Drug Mart, 30 points for every $1 spent where PC products are sold, and 10 points for every $1 spent on all other purchases.

None of the cards have an annual fee. When you apply, PC Financial will pick the best card for you based on your annual household income. The higher tier cards offer you more points and benefits, but I wouldn’t worry much about which card you end up getting since you end up ahead no matter what.

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