PC Optimum Guide
PC Optimum stacks on top of any credit card — always scan your card.
Updated May 30, 2026 · 4 min read · By Loyalty Concierge Editorial
Program overview
PC Optimum · Operated by Loblaw Companies
Typical value: 0.1¢ per point ($1 = 1000 pts)
Earn
Earn at Loblaws, Shoppers Drug Mart, No Frills, Real Canadian Superstore, and via personalized offers.
Redeem
Redeem in 10,000-point increments ($10) at checkout.
Sweet spots
- • Shoppers 20x Optimum events
- • Loading personalized offers before shopping
Best cards to earn
AMEX · AMEX
American Express Cobalt Card
Annual fee $192 · FX 2.5%
Best for: Foodies, Groceries and dining
View card details →BMO · MASTERCARD
BMO CashBack World Elite Mastercard
Annual fee $139 · FX 2.5%
Best for: Grocery-heavy Mastercard shoppers, Costco Canada
Common mistakes
- • Skipping the offer load step