PC Optimum Points Calculator

Calculate total PC Optimum Points based on spend with PC Financial credit cards and calculate the cash value of your points when redeemed with Loblaw.

Program Details

President's Choice Financial, known as PC Financial, is the financial service brand of Loblaw Companies which is a Canadian supermarket headquartered out of Brampton, Ontario, Canada. Loblaw has more than 20+ regional and market segment banners operating under them as well as pharmacies, banking, and apparel.

The PC Optimum program is available to everyone regardless of whether or not you're a PC Financial cardholder.

Credit Card Rewards Calculators

The PC Optimum Points Calculators will calculate how many PC Optimum Points you can earn based on your monthly/yearly spend across categories. Each calculator will also output the cash value of the card based on your spend, how much you value the benefits of each card, and any annual fees the card may have.

compare pc financial credit cards
Compare credit cards side by side based on spend, benefits and annual fees.

You can compare the results side by side any credit cards featured on the site to find out which earns you the most rewards and the best return. All spend entered (primary/first column only) will carry over to all credit card calculators on the website.

PC Optimum Points Credit Card Calculators

PC Financial offers three credit cards that earns bonus points on purchases made with Loblaw Companies. The Mastercard earns 10x per $1, the World Mastercard earns 20x per $1, and the World Elite Mastercard earns 30x per $1 spent. All of these cards have no annual fee and great options for anyone looking to maximize the PC Optimum rewards program.

Redeeming Rewards & Cash Value

PC Optimum Points are worth $0.001 cent each meaning 10,000 points are worth $10. They can redeemed at:

  • Loblaw Companies
    • Loblaws
    • NoFrills
    • Valu-Mart
    • Zehrs
    • Real Canadian Superstore
    • Independent
    • Fortinos
    • Wholesale Club
    • Joe Fresh
    • NoFrills Won't Be Beat
    • Atlantic Superstore
    • Loblaws CityMarket
    • Shoppers Drug Mart
    • Beauty Boutique
    • Maxi
    • Pharmaprix
    • Provigo
    • Dominion
    • Galerie Beauté
  • Beautyboutique.ca
  • JoeFresh.ca
  • PC Express

You can only redeem PC Optimum Points in increments of $10 and they cannot be used to pay the tax. You also cannot redeem PC Optimum Points for:

  • Gift Cards
  • Alcohol
  • Tobacco
  • Lottery Tickets
  • Prescription Medication

Bonus Cash Back

Rakuten Rewards features Shoppers Drug Mart as an affiliate which can earn you additional cash back on top of your purchases. Cash back earned through portals stack on top of the rewards you would normally. So you could end up with cash back, PC Optimum Points, and rewards offered by your credit card. Here's how cash back portals work:

  • Start at the cash back portal's website
  • Find your store and click Shop to start a new session
  • You'll be dropped off on that store's home page to shop as normal
  • Once you checkout, the cash back site will be notified
  • Cash back will be credited to your account
shoppers drug mart
Get the details on coupons and sales plus earn cash back on top of your PC Optimum Points.

The best thing about cash back portals is that they are free and easy to use. You'll have simple options to get paid as well with options like by paper cheque, PayPal, and more. I recommend using cash back portals for all online shopping and especially when booking travel. I've made quite a large amount of money using cash back portals with most being from Rakuten.

rakuten lifetime earnings
I've made a lot with Rakuten alone over the past few years.

If you're not signed up with a cash back portal, you can sign up using the links below. Signing up using any of the links below will help out The Point Calculator after you make your first purchase and you'll also earn bonus cash back as well. Remember that signing up is free so feel free to see what each portal has to offer!


Recommended Reads