*Based on our most recent annual data as of December 31, 2021, PC Optimum^TM members who load and shop their offers via the PC Optimum^TM app or online account primarily (APP users) have more opportunities to optimize on personalized points offers and reaching the “free” (minimum redemption threshold) 3x faster on average than PC Optimum^TM members who are not digitally engaged.

¹Minimum redemption is 10,000 PC Optimum^TM points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President's Choice^® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions.

²Information about fees for special requests and services for the PC Money^TM Account is available here.

³Earn 10 PC Optimum^TM points (5 regular PC Optimum^TM points plus a bonus of 5 PC Optimum^TM points) per dollar of your purchases with your PC Money^TM Account. President’s Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates at any time. PC Optimum^TM points will be deducted for any returns. Account must be in good standing at time of qualifying transaction and awarding of points. Minimum redemption is 10,000 PC Optimum^TM points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President’s Choice^® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions.

⁴Points amount shown includes the 10 points per dollar for all purchases with the President’s Choice Financial^® Mastercard^®. In addition, earn at least 10 PC Optimum^TM points per purchased litre of gasoline or diesel fuel at Esso^TM and Mobil^TM stations in Canada when you pay with your President’s Choice Financial^® Mastercard^®. You will also earn at least 10 PC Optimum^TM points per litre available to all PC Optimum^TM loyalty members at Esso^TM and Mobil^TM stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93, 94) at Esso^TM and select Mobil^TM Stations. You could earn even more points at Mobil^TM stations located adjacent to a Loblaw banner grocery store. Exact earn rate is available at the station. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 30 points per litre, points will be topped up to ensure a minimum of 30 points per litre are awarded in all transactions paid with a PC Financial^® Mastercard^® at Esso^TM and Mobil^TM locations. For full details including how points are awarded to your PC Optimum ^TM account and rounding rules, visit pcfinancial.ca/en/legal-stuff/pc-optimum-mastercard/ .

⁵Earn a minimum of 10 PC Optimum^TM points per dollar on all of your purchases charged to the credit card. Any bonus PC Optimum^TM points offers available to all PC Financial^® Mastercard^® customers are calculated based on the regular earnings rate of 10 PC Optimum^TM points per dollar spent. This offer may be terminated or changed at any time.

⁶Our grocery stores means affiliated Loblaw banner grocery stores. Visit pcoptimum.ca for details on participating stores where the PC Optimum^TM program is offered.

⁷All PC Optimum^TM members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart^® and Pharmaprix^®. When you use your President’s Choice Financial^® Mastercard^® you will earn additional points per dollar: 10 points per dollar for President’s Choice Financial^® Mastercard^® cardholders; 20 points per dollar for President’s Choice Financial^® World Mastercard^® cardholders; and 30 points per dollar for President’s Choice Financial^® World Elite Mastercard^® cardholders.