You also get 30 points per $1 spent through PC Travel; and 10 points per $1 spent everywhere else.

Redeem PC Optimum Points

One of the best features of PC Optimum Rewards is that redemption is a breeze. Once you’ve accumulated 10,000 PC Optimum Points, you can redeem them for up to $10 worth of free groceries or merchandise at all participating stores; or you can stock them up for bigger savings down the line. Points are calculated based on the purchase price of Qualifying Products, less any applicable discounts and taxes printed on the receipt.

You can redeem PC Optimum Points at approximately 2,500 participating retail locations, including:

supermarkets such as Loblaws, Fortinos, No Frills and Real Canadian Superstore stores such as Zehrs and Joe Fresh drug stores such as Shoppers Drug Mart and Pharmaprix

Tell the cashier you want to “spend” your points when you scan your PC Optimum card at the register. Or you can redeem points from your bill by shopping online at the Beauty Boutique, Joe Fresh, and PC Express websites.

You can view the list of participating retailers here. While the PC Optimum rewards program is very flexible, there are some limitations. PC Optimum Points cannot be earned or redeemed for certain items, including tobacco, alcohol, and gift cards.

Each province and territory has different rules regarding earning and/or redeeming PC Optimum Points on prescriptions, medications, and other pharmacy or healthcare-related products and services. Therefore, consult the staff first.

Are there any downsides to the PC Financial World Elite Mastercard?

With no annual fee and a great rewards program, there aren’t many downsides to this rewards card. However, PC Optimum points can only be redeemed in 10,000 increments. So if you have 47,000 points, you can “spend” 40,000 for $40 off your purchase, and keep the remaining 7,000 points in your account. Plus, the earning rate is significantly lower at non-PC affiliated retailers (just 10 points per $1 spent) — so if you don’t shop at these stores, this card probably isn’t for you.

This card is aimed at higher income buyers ($80,000 minimum individual annual income or $150,000 household income), so if you’re a student or just starting out, you’re unlikely to qualify. However, there are two other PC Financial Mastercard options with lower income requirements; beware that the earning percentages are also proportionally less juicy. Also, a minimum annual spending requirement of $15,000 is now imposed.

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