PC Financial / PC Money

PC Financial is the banking arm of President's Choice, offering credit cards and the PC Money Account. All PC Financial products earn PC Optimum points on every dollar spent, everywhere. It is the most effective way to accelerate your PC Optimum points earning for free groceries and beauty products.

Point Value
10,000 points = $10 (PC Optimum value).
Sign-up Bonus
N/A

How It Works

  • Apply for a PC Financial Mastercard or PC Money Account.
  • Link your existing PC Optimum account to your card.
  • Use your card for all everyday spending (groceries, gas, online).
  • Earn 10–30+ points per $1 spent, depending on the card and retailer.

Benefits

  • Earn PC Optimum points on every purchase, everywhere.
  • No monthly fees on the PC Money Account.
  • Bonus points on gas at Esso and Mobil stations across Canada.
  • Easy integration with the PC Optimum app for tracking and redemptions.

✅ Pros

  • •The absolute fastest way to earn PC Optimum points.
  • •No annual fees on most PC Financial Mastercard products.
  • •PC Money Account works like a debit card but earns rewards like a credit card.
  • •Points are earned on almost everything, including rent/bill payments via PC Money.

❌ Cons

  • •Points earned are limited to the PC Optimum ecosystem.
  • •Mastercard products require a minimum income for premium tiers (World Elite).
  • •PC Money Account is a prepaid reloadable card, not a full-service chequing account.

Best Redemptions

  • Free groceries at Loblaw, Zehrs, Provigo, and No Frills (10,000 pts = $10).
  • Beauty products at Shoppers Drug Mart (especially during bonus redemption events).
  • Apparel at Joe Fresh.

Who It's Best For

  • Loblaws banner store regulars who want to maximize their grocery rewards.
  • Shoppers Drug Mart beauty enthusiasts.
  • Canadians looking for a no-fee daily spending account that earns rewards.

Frequently Asked Questions

Is PC Financial the same as PC Optimum?
No, PC Financial is a bank that uses PC Optimum as its rewards currency. PC Optimum is the loyalty program itself.
Do I earn points on rent with PC Money?
Yes, you can earn PC Optimum points on bill payments and rent (via bank transfer) with the PC Money Account.

💳 Best Credit Cards for PC Financial / PC Money

Looking for the best credit card to pair with PC Financial / PC Money?

View Our Credit Card Guide →
Program Rules
Point Expiration: Points do not expire
Blackout Dates: No blackout dates

Program Stats

Overall7.3/10
Value7.4/10
Ease of Use7.5/10
Redemption7.1/10
Coverage7.2/10

Program Details

Countries
CA
Categories
financial, featured
Official Website
Official Website

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