Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
50 points per $1 at Shoppers Drug Mart and Pharmaprix (5% back), including the 15 points per $1 every PC Optimum member earns there.
40 points per $1 at Loblaw banner stores and Joe Fresh (4% back).
A further 20 points per $1 on eligible PC Express pickup orders. Butter does not model this, because it depends on how you collect the order rather than where you shop.
10 points per $1 (1%) on everything else.
At least 50 points per litre at Esso and Mobil, rising to 70 with 150+ litres in a month. Per-litre again, so excluded from ranking.
The top PC Optimum card: 5% back at Shoppers and 4% at Loblaw for $120 a year, bundled with free grocery delivery — strong if you live in the Loblaw ecosystem, pointless if you do not.
Households doing large weekly shops at Loblaw banners who will also use the free delivery.
People already paying for grocery delivery
the included pass roughly covers the fee on its own.
You shop mainly outside the Loblaw and Shoppers ecosystem. Everything else earns 1%, which does not cover a $120 fee.
You want flexible or cash rewards.
Watch-outs The delivery pass is included with the card, not a separate subscription you must buy — but if you already hold a paid PC Optimum Insiders subscription it is cancelled and refunded pro rata on approval, and cannot be re-enrolled. · The first-year fee waiver is not counted in Butter's ranking, so the card looks slightly worse here than it will in year one.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.