PC Optimum Points Calculator

Calculate the value of your PC Optimum points

Use the creditcardGenius PC Optimum Calculator to get the most out of your rewards. Find out how much your points are worth and choose the best redemption option.

Rewards Points Calculator

Enter your rewards balance to calculate how much your points are worth. Review your redemption options and recommendations to get the most value.

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Points Balance

Our recommendations:

Use your points for Car Washes to get the most value.

$15

Avoid using points for Statement Credits as this gives you the lowest value.

$7

Using your points for Car Washes instead of Statement Credits will save you $8.

Point Values

Redemption Option	Point Value	Total Value
Car Washes	0.15 cents	$15
Loblaws stores	0.1 cents	$10
Fuel at Esso	0.1 cents	$10
Statement Credits	0.07 cents	$7

Redemption Options

Car Washes

Free car washes at Esso stations

$15

Loblaws stores

Use points towards purchases at all Loblaws banner stores

$10

Fuel at Esso

Fuel discounts at Esso stations

$10

Statement Credits

Pay your PC Mastercard balance with points

$7

Best ways to redeem your PC Optimum points

Unlike straight-up store loyalty programs that only earn in-store discounts, PC Optimum allows you to redeem your PC points for discounts, car washes, and fuel discounts.

You might be surprised to learn that your best redemption option is actually car washes at Esso stations. But if you're earning points more often than you're looking to wash your car, you still get solid value redeeming 10,000 points for $10 in groceries or fuel.

Learn more about PC Optimum

Loblaw Companies manages the PC Optimum Rewards program, which allows you to earn PC points at Loblaw-banner stores like Loblaws, Shoppers Drugmart, Joe Fresh, Atlantic Superstore, and more. Download the PC Optimum app to access personalized offers.

You'll also earn points for fuel purchases at Esso and Mobil. You'll find fuel-related bonuses in the app as well.

The best PC Optimum credit cards

In addition to earning points for purchases, you can earn them for opening a PC Money Account or when using a PC Financial credit card. PC Financial offers a selection of Mastercards, with varying requirements and earn rates.

The best of these is the PC World Elite Mastercard. Although it has steep income requirements, there's no annual fee, making it a rare no-fee World Elite Mastercard. In addition to World Elite Benefits and 4 types of insurance, you'll earn:

• 45 points per $1 spent at Shoppers Drug Mart
• 30 points per $1 spent at Esso and Mobil stations in Canada
• 30 points per $1 spent at Loblaw banner grocery stores
• 10 points per $1 spent on all other purchases