No-fee PC Optimum card. 4.5% back at Shoppers Drug Mart/Pharmaprix (45 pts/$), 3% at Loblaw banner grocery stores (30 pts/$), 1% else (10 pts/$). Plus 3c/L+ back on Esso/Mobil gas. Points: 10,000 = $10 at Loblaw/Shoppers. Best for Loblaw ecosystem.
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