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.
35 points per $1 at Shoppers Drug Mart and Pharmaprix (3.5% back). That figure includes the 15 points per $1 every PC Optimum member already earns there — the card itself adds 20.
20 points per $1 at Loblaw banner stores: Loblaws, No Frills, Real Canadian Superstore, Maxi, Zehrs and Independent (2% back). No member top-up applies at Loblaw.
10 points per $1 (1%) on everything else.
30 points per litre at Esso and Mobil. This is a per-litre rate, not per-dollar, so Butter does not count it toward the card's ranking — the value depends on the pump price rather than what you spend.
The middle PC Optimum card: no fee, 3.5% back at Shoppers Drug Mart and 2% at Loblaw stores — worth holding only if you shop that ecosystem.
People who do most of their grocery and pharmacy shopping at Loblaw-owned stores.
You shop mainly at Metro, Sobeys, Costco or Walmart
the accelerated rates simply do not apply.
You want rewards you can take as cash.
Watch-outs The 2% Loblaw rate is lower than what the plain PC Mastercard is currently recorded as earning there. Verify both before choosing between them. · The Esso gas rate looks generous but is per litre, so its real value moves with fuel prices and is excluded from ranking.
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.