PC Plus Loyalty Program Review And Tips

PC Plus Loyalty Program review and tipsThe Loblaws Company points program, originally called PC Points, has been around since 1998. Initially one could only earn points at a select few Loblaws grocery stores. In the spring of 2013, the program expanded to include other stores under the Loblaws banner throughout Ontario as a trial run, and subsequently expanded to all provinces in November of 2013.

When the revamped program first rolled out, there were some technical glitches as the new program is largely digital now and minor issues go with the territory. Some customers experienced the app crashing at checkout, and some lost points as opposed to gaining them. However, the customer service for this program is fast so a quick call in will get any issue resolved.

Why You Should Join

The PC Plus program gives you points for things you are most likely to buy. By swiping your card on every visit, the program learns your buying patterns and begins to adjust its offers to best suit what you would actually purchase. In turn, those points can be used to purchase just about anything in the store.

This program significantly closes the gap on the lack of coupons for fresh produce. You can actually earn points on fruits and vegetables and can redeem points for them as well. Users can also specify dietary restrictions such as “vegetarian”, which would keep the program from offering you points on meat, making sure the focus is on what you prefer. This is currently the most personalized grocery loyalty program available.

How Do I Join?

Joining the program is free and easy. If you already have a PC Financial account (debit or credit card), simply register your existing account online. If you do not have a PC Financial account at this time, you can pick up a card in the store either at the cash or in the PC Financial booth. Then, go online to the PC Plus website and register your new points card.

You also have the option of downloading an app for your mobile device. The mobile device comes with a digital version of your physical card's bar code, eliminating the need to pull out your card at the cash. Simply open the app, and turn your device sideways. Your app will automatically display the bar code, and the scanner at the cash has the ability to scan this right from your phone.

It’s important to note, that if you use your PC Financial bank card or credit card to join the program you don’t actually need to show your PC Plus card at the checkout. You can actually use your bank card as the points card. You can even show you bank card to earn the points, but actually pay for your order with a different card or in cash. For instance, you might want to do this to earn points on a different credit card in addition to your PC Plus points.

Earning PC Plus Points

100 PC points is equal to 10 cents. You can earn points in various ways:

  • Personal offers emailed to you weekly.
  • Offers posted in-store on specific products identified by a special points shelf tag.
  • By using your PC Plus debit or credit card.

If you pay for your purchases at a Loblaws store using your debit card, you earn 5 points per dollar spent. You earn even more points with the PC Financial Mastercard: 10 points per dollar spent anywhere, and 20 points per dollar spent at a Loblaws banner store.

You can double or triple-up on the points as well . Let’s say you get a personal offer for something that already has an in-store offer tied to it. In that case, you would earn the sum of both point offers combined. When checking out at the store, let the cashier know you collect PC Points, and either hand them your card or show them the bar code via your digital device. They will scan it for you, and all points are automatically calculated and added to your account.

Loading Offers

When your weekly offers arrive, typically on Fridays, you must either log in to your email or your app and choose which offers to add to your account. It is a good idea to just load them all so you don't miss out on any points. It’s quicker and easier, plus there is no penalty for loading an offer and not using it.

Even if you don’t have the app and you forgot to load your offers, you can still use your smart phone to load your offers while you are in the check-out line at the store. Simply click the link sent to you in your weekly offers email, sign in to the website, and click the load all offers button. It only takes a minute and that way you won’t miss out on any points if you forgot to do it in advance.

Related: The Best Credit Cards In Canada

Redeeming Your Points

You can begin to redeem your points once you reach 20,000 points. 1000 points is equal to $1, and therefore at 20,000 points you will be able to take $20 off your grocery bill. After the first $20, you are then able to redeem in 10,000 point ($10) increments.

Sample transactions:

If your total bill is $31, you can redeem 30,000 points and only pay $1.

You can log into your account to find out how many points you have. Additionally, the cashier will tell you at checkout, and you will see your balance printed on your receipt.

How To Make The Program Work For You

Typically, Loblaws stores have prices that are a bit higher than some discount grocery chains. The trade-off is that they also typically have better quality produce, meats and bakery items. These items tend to last longer than items purchased at other stores.

Ideally, we want the best of all worlds: quality food, points on our purchases, and the lowest possible price. Currently, of all the stores participating in PC Plus, only Real Canadian Superstore (RCSS) price matches. Therefore, if you wish to have your cake and eat it too, you will need to shop at RCSS and take advantage of their price matching policy.

To get the most out of the PC Plus program, collect your flyers and look for the best prices on items you would typically purchase. Then wait for your personalized offers to come in on Friday. Finally, look for matchups - such as apples being on sale for $1 a pound at Food Basics, and having an offer of 200 points for every $1 spent on apples. Given that 200 points equals $0.20 in savings, you would be purchasing good quality apples for $0.80 per pound. A fantastic deal! Stock up on apples, making apple pie or applesauce and make them last.

Loblaws will be quite happy to offer you apples again in the near future seeing as they are now aware that you enjoyed that offer. Continue the same buying patterns and you will very quickly collect enough points for a redemption.

Watch for in-store offers as well. In addition to offers printed in the flyers, stores will have offers not advertised throughout the store. It is a good idea to take a quick trip through all the aisles and look for these offers. You never know what you might find.

Sample Savings:

One time I was able to purchase 20 cans of soup resulting in 20,000 points earned. I completed my first order, which was just the soup, and the points were applied immediately. Then, right afterwards, I used those same points to purchase $21 worth of additional items. So, in total, I was able to purchase $41 worth of stuff for $21 and then I donated half the soup to my local food bank.

Using Coupons To Improve Savings

Some of the offers you will see are linked to the number of that particular item you buy, and not to the amount you paid for them. Using coupons on these items will still get you the same number of points as you would have had you spent real money instead of using a coupon. You can also use coupons on items you purchase when planning to redeem your points. Your points are put towards your after-tax total, which stretches your points even further.

Also noteworthy: on occasion, you can even earn points when you spend points. Unless an offer specifically states that points are earned when you spend X dollars on an item, you will still earn points if you purchase the item using points.

Participating Stores

You can earn points at any of the following locations across Canada:

  • No Frills (new)
  • Dominion
  • Provigo Le Marche
  • Provigo
  • Real Canadian Superstore
  • Loblaws Great Food
  • Loblaws
  • Loblaws City Market
  • Atlantic Superstore
  • Bloor Street Market
  • Fortinos
  • Extra Foods
  • Valu-mart
  • Zehrs
  • Your Independent Grocer.

Rules And Restrictions

As with any loyalty program, it is important to understand what rules and restrictions come with the program. In order to sign up for the PC Plus program, you must be 14 years of age and a resident of Canada.

This directly from the PC Plus website:

You can redeem your points for just about everything available at participating stores, excluding tobacco, alcohol, lottery tickets, or any products or services prohibited by law or as we determine from time to time. In certain provinces, you will also be prohibited from redeeming your points on prescription medication, over-the-counter medication and milk. Third party retailers, including The Mobile Shop, the cleaners and Wine Shop, are also excluded from the program.

Is PC Plus Worth It?

The PC Plus program is a difficult one for other retailers to compete with, due to its highly personalized offers, the ease of collecting points and the variety of items you can redeem for. Savvy shoppers know to combine savings and points collection by price matching at RCSS stores. It seems Loblaws has found a way to attract many new customers to their stores.

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Amanda's picture
I've been a PC Points collector for many years but never really accumulated anything to be excited about - until this new program came along. In one shopping trip I earned as many points as I did in the previous 3 years of collecting points! I already did most of my shopping at these stores, but now I find myself going there specifically to pick up things that will earn me points (but am careful to only buy things that I'll use).
March 25, 2014 @ 10:45 am
Stephen Weyman
Stephen Weyman's picture
I agree with you Amanda, I used to collect PC Points as well years ago but basically stopped once I discovered there were better credit cards than the PC MasterCard and that using a credit card for my everyday purchases made more sense than using my PC debit card, even at the grocery store. Now with this new program, I'm actually earning a decent amount of points again. My favourite part about it is that you can earn points on fruits, vegetables, and meat and that they target the stuff you buy anyway. Before, it was really difficult because my family is very picky on what we eat and therefore almost everything we buy is much more expensive than the standard stuff and rarely has coupons available.
March 26, 2014 @ 11:16 am
kawana's picture

Hi Stephen,

Are you aware that you can combine your PC Master Care with the PC Plus card and you can present your PC Master card as a PC Plus card for earning the points without using your PC Master Card.

December 19, 2015 @ 1:16 pm
Wendy's picture

Interesting point Stephen. Hubby and I have called over 20 times to have this happen. They tell us it is set up that way, but it is not. Frustrating that we keep calling and get no help for customer service to get this set up right.

January 23, 2016 @ 1:27 pm
Stephen Weyman
Stephen Weyman's picture

I responded to the previous comment before this one - but it looks like trying to use the PC MasterCard as a PC Plus card at the checkout is hit and miss. I use my PC Debit card all the time as my points card and haven't had a problem. However, I don't PAY with my debit card. I use another better credit card for that.

January 24, 2016 @ 7:32 pm
Barb's picture

My fob broke. I got a new one at the store. Try transferring your accumulated points to a new number. That is an impossible nightmare that sends you into continuous loops. A phone call for some help has turned out to be useless.

April 07, 2016 @ 9:42 am
Stephen Weyman
Stephen Weyman's picture

They couldn't just send you a new card if you contacted customer service with the same number?

April 07, 2016 @ 2:44 pm
Carmen's picture

on the website go to your account. under my cards there should be something called add mew card. Click it. add in your new card. Delete the old fob.

April 12, 2017 @ 5:15 pm
Stephen Weyman
Stephen Weyman's picture

Yes, you can combine MasterCard points with points earned with the PC Plus card. I'm not sure if you can just use your MasterCard at the checkout and qualify for both. They are linked to the same account, so that would make sense ... but I would check with their customer service first before assuming that or test it out yourself on a small purchase.

January 24, 2016 @ 7:31 pm
Jason's picture

hey kawana, however, the PC m/c gives only 1% cashback in point value, which is less than my no annual fee tangerine card at 2% groceries.

February 01, 2017 @ 12:20 pm
michele 's picture

upgrade to a PC world elite and you will earn 3% back

May 16, 2017 @ 10:56 am
Sherri's picture
Points can also be redeemed for non loblaws gift cards
March 26, 2014 @ 10:58 am
Stephen Weyman
Stephen Weyman's picture
That's great, I didn't know that! Great way to convert your points to something redeemable at another store.
March 26, 2014 @ 11:14 am
Jen's picture

Do you know which stores are involved in the PC points conversion to gift cards? Thanks!

October 01, 2015 @ 1:31 pm
Jen's picture

I know what you mean now. You can buy different gift cards that are sold in Loblaws :) with your PC points

October 01, 2015 @ 1:42 pm
Stephen Weyman
Stephen Weyman's picture

Yes, I believe that is what she meant!

October 02, 2015 @ 2:48 pm
Sean Cooper, Freelance Personal Finance Writter and Blogger's picture
Canadian Business wrote an interesting article on how PC Plus is game in disguise: http://www.canadianbusiness.com/blogs-and-comment/loblaw-pc-plus-gamific... It seems marketers are getting smarter and smarter with separating consumers from their cash. It makes it harder and harder for those to comparison shop when PC points are thrown into the mix. I think I'll stick with shopping at No Frills where price matching is honoured.
March 28, 2014 @ 7:56 pm
Stephen Weyman
Stephen Weyman's picture
Yes, gamification is definitely a big thing and all rewards programs are an attempt to increase loyalty and better separate people from their money. I'm totally fine with that. I prefer to be among the people who take advantage of rewards programs to their full potential and in doing so it can be quite profitable. In my area, grocery store selection is quite limited and Superstore is actually reasonably competitive on price compared to the other options. I would be shopping there anyway, so PC Plus is essentially just a bonus for me. It's great that they give points on stuff I buy anyway. I admit, I have been tempted to buy a few things I wouldn't normally have bought right then and there, but all stuff that we had a need for. If you can combine it with price matching and coupons, even better!
March 31, 2014 @ 9:33 pm
HMm's picture
I don't get it...Loblaws still price matches. In fact, even though Loblaws runs out of stock of items in ads, No Frills never ever has the items. That's why many people I know just take the Loblaw and NO Frills flyers and head on to WalMart and other chains to match Loblaw's prices.
May 05, 2014 @ 1:57 am
Joycelynn's picture
Sample transactions: If your total bill is $31, you can redeem 30,000 points and only pay $1. If your total bill is $39, you would need to redeem 40,000 to pay the entire amount and you would lose the last 1,000 points. ^The second part of your example is incorrect. If your total bill is $39, you can ONLY redeem 30,000. You can not redeem 40,000 and "lose the last 1,000 points". This statement is also incorrect: You earn even more points with the PC Financial MasterCard: 10 points per dollar spent anywhere, and 20 points per dollar spent at a Loblaws banner store. An individual earns 10 points per dollar spent anywhere - this INCLUDES money spent a Lowblaw banner store. The 20 points per dollar that you are referring to only applies to the "WORLD MasterCard". I don't have time to read through and catch any other errors - but those two jumped out at me right away.
April 08, 2014 @ 4:26 pm
Stephen Weyman
Stephen Weyman's picture
Thanks for catching those things Joycelynn! I updated the MasterCard sentence to include a note indicating it is only the World edition that has the added bonus. In terms of being able to spend more points than the value you get for them, are you sure about that? You've tried it yourself I take it? I know at Shoppers Drug Mart you can spend points and not get the full value out of them. I haven't tried it myself with PC Plus and I didn't write this particular article, so I don't know either way.
April 09, 2014 @ 8:49 pm
Joycelynn's picture
Hi Stephen, yes I'm positive. Two weeks ago I was at NF (No Frills) and was aiming to redeem 40,000. My total came to $39.99 and the register would not allow me to redeem for a penny less. So I went and grabbed a banana which brought my total to $40.24, so my finally out of pocket was .24c
April 12, 2014 @ 5:05 pm
Stephen Weyman
Stephen Weyman's picture
Thanks! Updated again.
April 12, 2014 @ 9:48 pm
KJ's picture
I was wondering about No Frills. It doesn't appear to be on the list of participating stores up there ^.
April 20, 2014 @ 8:19 pm
Stephen Weyman
Stephen Weyman's picture
That's a good point KJ. We don't have no frills in my area. They aren't actually on the official list of stores on the PC website and a the previous comment from Sean Cooper would seem to imply that No Frills doesn't offer PC Plus points. However, another commenter specifically talks about redeeming them at No Frills. Does anyone know for sure?
April 20, 2014 @ 9:36 pm
Stephen Weyman
Stephen Weyman's picture
I just did a search using the president's choice store finder as well and you can filter for stores that have PC Plus. I searched in an area with a known no-frills store without any filters and it showed up in the search results. Once I applied the PC Plus filter, that store no longer showed up in the results. This, and the fact that No Frills isn't on the official list makes me think that they don't participate in the program. The other commenter must have either written the wrong store name, or shops at a special No Frills store that does participate in PC Plus. Sometimes they have test markets where they do this sort of thing so you never know.
April 20, 2014 @ 9:39 pm
Joycelynn's picture
Nope, didn't write the wrong store name, as I only have No Frills and Independent. Spoke to a CSM a few months ago and she stated that they would be implementing the program "some time in the Spring". Given that it's already end May, I don't see it happening at my particular store any time soon. With that being said, spoke to a friend in Nova Scotia (I'm in ON)and their No Frills will be doing a test run this w/end.
May 27, 2014 @ 4:44 pm
Stephen Weyman
Stephen Weyman's picture
Ok, thanks for clarifying. I figured it must be a test market type of thing if certain No Frills stores were offer PC Plus and not others. Glad to hear it will probably be rolled out to the rest of them.
May 28, 2014 @ 10:01 am
HMm's picture
Program and app is a complete joke. Nothing works as it should. I got an error message saying that I can't use the app because it is registered to another PC Plus account. Like WTF? Try to reach customer service is like trying to find Flight MH370. Both website and their network are horrific. There is no method of logging in by card number. When you are reached by Customer Service, they will leave you terribly frustrated. I had to escalate my concerns to a SENIOR manager. He agreed mistakes were made and he awarded me 40K points. However, I can't now earn any more points until I find out what's going on with my account. It's a really gong show at Loblaws with this program!
May 05, 2014 @ 1:54 am
Stephen Weyman
Stephen Weyman's picture
Yes, the system certainly isn't bug free. I haven't had anything that frustrating happen to me yet though. I'm a software developer so I know that it can be hard to work out all the kinks in the software. I'm sure they'll get it worked out eventually ... it's just unfortunate people have to deal with these kinds of things until that happens.
May 05, 2014 @ 7:55 pm
cp's picture
You can redeem your PC Points at No Frills - I did at Easter and gave the food to the local food bank. Don't think you can accumulate the bonus PC Plus offers on No Frills purchases though. Also those who complain about system glitches must work for companies that never upgrade their software. Just part of the territory for any new program. The point is do they deal with it? Loblaws has a wrong price and its free policy. Needed some batteries and there were some on a pet food aisle rack at a great price. When I rang them through on the self serve check out they come up at the regular price, almost double what was advertised. Called the cash assistant and a two minute price check got me free batteries, not the half price advertised. I didn't even have to ask just rung in N/C no questions asked. Different program but this company is determined to keep its word.
May 27, 2014 @ 12:08 pm
Stephen Weyman
Stephen Weyman's picture
The reason you got your batteries for free is because of the Scanning Code Of Practice. Normally you have to ask for it at one of the stores that participates in it, but sometimes the cashier will be nice and just give it to you. Thanks for more info about No Frills. So it looks like full PC Plus will be rolled out to them as soon as they are done testing and some/all of the stores allow you to redeem your points. Good to know.
May 28, 2014 @ 10:04 am
Carmen's picture

no frills always had pc points. She probably redeemed via her pc mastercard or pc debit.

April 12, 2017 @ 5:08 pm
Joanne Hepditch
Joanne Hepditch's picture
I am having trouble registering my card,(Points Plus)
June 17, 2014 @ 10:32 am
Martin S
Martin S's picture
The current No Frills flyer in Southern Ontario (September 19-25, 2014) prominently promotes the PC Plus card saying "it's here", as does the nofrills.ca website. Yet the pcplus.ca website still doesn't include No Frills as a participating store. Does this mean PC Plus will soon be accepted at No Frills, or is the promo misleading? A web search only brings up plans to extend the program to No Frills in Western Canada.
September 21, 2014 @ 2:45 pm
Stephen Weyman
Stephen Weyman's picture
I don't have any further information on this Martin, I'm sorry. However, if they are promoting it in the flyer then I'd have to assume that is the case. It isn't uncommon for companies to be slow in updating their websites when new things just launch or an existing program is expanded. I'd say that's probably what happened.
September 21, 2014 @ 11:21 pm
Allan's picture
I know others have mentioned it above, but confirmed that No Frills now take PC Plus! Update the participating stores list!
October 13, 2014 @ 11:07 am
Stephen Weyman
Stephen Weyman's picture
Updated, thanks!
October 13, 2014 @ 7:48 pm
Daniel 's picture

Can you also add Maxi (Quebec only) to the store list? That's where I shop for groceries and they have always had PC Plus. Thx!

April 18, 2017 @ 4:03 pm
Kelli's picture
I volunteer at a local food shelf, we used to collect a lot of register tapes which provided a few thousand dollars every year. That is no longer available and from what I am reading PC points cannot be redeemed for grocery gift cards. How can people use their points to help local community food shelves apart from asking people to buy food with them when available?
October 13, 2014 @ 5:16 pm
Stephen Weyman
Stephen Weyman's picture
That's a good question and one I don't have the answer to. You'd have to contact Loblaws directly about that one. If you find an answer, please report back and share with us!
October 13, 2014 @ 7:49 pm
Kelli's picture
thanks, I have talked to them and they don't have any options either. Too bad it was a very good source of income for non profits.
October 13, 2014 @ 10:37 pm
nate's picture

My partner and I have been using this card for a whole year and only have 400 points! Which is the equivalent of 40 cents!

It's not worth pulling the card out of your wallet for.

Then I discover on this post you are supposed to "load offers" or something. Why do they make this so difficult so that you actually have to log in and load stuff every week. Why not just have a card that you earn points on for everything you buy like a normal rewards program??

August 29, 2015 @ 12:30 pm
Stephen Weyman
Stephen Weyman's picture

If you use the smartphone app at the checkout instead of your card you can load offers all in one process which definitely makes it easier and ensures you won't miss any points.

They make it like that to keep you engaged in the program which probably helps ensure you shop at Loblaw stores more often.

August 31, 2015 @ 11:05 am
Carmen's picture

if you want the simple version, I would recommend getting a pc financial card. Pc debit pays 5 points per dollar. pc mastercard silver pays 10 pts per dollar. pc world pays 20 pts per dollar. Pcf world elite pays 30 pts per dollar. This is a personalized digital coupons program. You need to load your offers so you know what offers you have

April 12, 2017 @ 5:20 pm
Alexg's picture

I have had nothing but total frustration with this program. There are 4 card associated with my account so we all pool our points for one person that is presently unemployed. EVERY week I end up having to contact the PCplus customer service for points that have not been rewarded. All my offers are loaded and the card is scanned but no points. They now send me slightly nasty emails when I ask for the points to be rewarded and this week they are refusing to award me my points because they say they were already given to me when they in fact were given to me for the previous week's offers. That being said, when everything works out I have been able to accumulate enough points for about $300.00 worth of groceries BUT the hassle of having to get in touch with the company every single time I purchase something to have it corrected it just insane.

August 30, 2015 @ 6:28 pm
Stephen Weyman
Stephen Weyman's picture

I have experienced this as well at one store in particular. I seem to never get my points at that one store but when I shop at a different store I always get the points exactly as I should. I hope they get these issues worked out soon.

August 31, 2015 @ 11:06 am
BeckyP's picture

I'm going through a similar experience. I have several cards, all in my name, associated with my account. When I check the transactions, few of the PC Mastercard transactions have "Points earned" in the same transaction as the amount spent. Now, I check all the receipts before throwing them out. I'm going to experiment with using the PC Points card with the Mastercard and see if the points show up more reliably.

I've never had a problem with being awarded the points related to offers... just the points for the amount spent. Is that your experience as well?

November 15, 2015 @ 9:49 am
kawana's picture

Hello Alexg,

I have read your comments, my advise to you, as long you have loaded your offers and bought the items, you don't have to call the PC Plus customer services, You can adjudicate your points online yourself by signing into PC Plus account and as long as you have receipt you need to enter code # which located at the very end of the receipt and you need to list down the items you have bought that you are missing the points for.

Once you are signed on:

* Go to my account
* Scroll down the page almost at the end until you "Transactions" under transactions you will see Points Inquiry, click on it and follow the prompts. then sign out and sign in again and you will see the points you were missing get added. Good luck, if you require any more help, please let me know and I will be happy to assist you .

December 19, 2015 @ 3:07 pm
Carmen stengel
Carmen stengel's picture

Today I did a big shop. I told the teller I was getting my card and handed him my money. He put the money through the till and didn't scan my card. This has hapend twice. I have the receipt still. How can I collect the points on my bill?

May 14, 2016 @ 11:44 pm
I'm all out of bubblegum
I'm all out of bubblegum's picture

What a waste of time and data. You don't earn points for everything you buy and you don't earn points for items that are "offers" unless you "load" your "offers" before you scan your card. Also, these "offers" are never sale items. Sorry Loblaws but this is ridiculous. Rewards programs are supposed to reward the customer for shopping and spending money at your business, not punishing them. So if I don't use your stupid "load offers" nonsense I don't get any points and thus I am punished. Well if that's how you're going to be I'm not shopping at your store and not using your stupid program. If you want me I'll be down the road, shopping at your compitition. Have a nice day.

September 29, 2015 @ 8:01 pm
Stephen Weyman
Stephen Weyman's picture

I see the validity in your points. It is pretty easy to load the offers using your smartphone at the checkout though. I understand not everyone has a smartphone with a data plan, but if you do it's very convenient.

If you are a hard core grocery shoppers that only buys stuff on sale, then I can definitely see this being a problem but if you are time strapped and just buy your regular groceries every week, I think it is nice that they typically give you points on stuff you buy anyway. Good for some, not so good for others.

September 30, 2015 @ 9:23 pm
Carmen's picture

Data plans are no longer an excuse. Some stores not sure if it applies to all but my local rcss now offers free WiFi.

April 12, 2017 @ 5:06 pm
Jen's picture

I have a credit on my MasterCard and received PC points. I want to get some cash back instead of making a purchase. Will I lose the PC points that came on when I paid into my MC? Confusing I know

October 01, 2015 @ 1:39 pm
Stephen Weyman
Stephen Weyman's picture

You shouldn't have received any points when you overpaid your credit card. You get points when you make purchases, not when you pay off your balance (or over-pay). Therefore, if you request they send you a cheque refund for your overpayment, you shouldn't lose any points.

That is my understanding anyway. If you want to be sure, you should contact the customer service number on the back of your card.

October 02, 2015 @ 2:50 pm
JMB's picture

OK like a bit the way Loblaw came out with this, but I was surprised that the personalize offers is funny, this week I decide to get on board create my profile and surprise 19K point already :), then check how it's working.. and yes I'll use my smart phone much easier... then call me mom and sign her in also boom she got 50K, but looking at her offers she has the offer spend 50$ and get 10K points... wow, then I login in my profile and surprise stupid little offers... What in the world is that so each members gets really big differences in offers... I don't think this is so fair... I can understand that let's one members buy some diapers but no me and that member gets a 1000 points... but not a general offers get 10K points for each 50$ spent... that's looks like since my mom is buying more than me she getting bigger offers... I think I'll stick then with Metro much much simpler and not unfair offers...

And why so many bugs... because your reward program is maybe to complicated.

One example : buy one product and get 500 points if your hockey (The Canadian) team wins double the point well guess what it didn't ...

So with my 19K going over to earn the 1K missing so I can redeem ... and after that going with Metro...

November 01, 2015 @ 3:13 pm
Stephen Weyman
Stephen Weyman's picture

Interesting thoughts about the program JMB. Maybe you should contact them directly via their support and submit your feedback to them. Not sure if they will read it here or not.

I do kind of dislike that fairness aspect of personalized offers, but as long as they are giving you half-decent offers on a regular basis, then I think it is OK.

November 17, 2015 @ 12:02 pm
Rocks's picture

I really like this program. The more I shop the more the offers are tailored to me. And now they've updated the app so that you can hold 3 offers each week, and discontinue offers you don't want. Since I don't shop every week or necessarily need the offer listed that week I love this. Now I am missing out on a lot less points then I was.

I like it so much I finally caved and signed up for the credit card which they gave me 50,000 points or 50 dollars for signing up. Superstore Is the best choice in my area for shopping and price wise. I also discovered they have a healthy eatting part that you can sign on too. Gives you extra points for making healthy choices. I like that, and that all my cards could be linked together.

November 30, 2015 @ 7:22 pm
Stephen Weyman
Stephen Weyman's picture

Those are some great new features they are adding Rocks. I hadn't heard of the carry-over option for 3 offers yet and I will definitely use that myself because I too shop sporadically at Superstore.

December 01, 2015 @ 3:00 pm
janice Echlin
janice Echlin's picture

I was into independent in Smiths Falls Dec 31th and got $98.30 and did not get my points because it did not come up on the computer until today.Can l still get my points some how?Please email and let me no i have my slip from that day.. Many Thanks Janice Echlin

January 01, 2016 @ 1:23 pm
Stephen Weyman
Stephen Weyman's picture

This is a blog Janice and I'm not affiliated with PC Plus in any way. This is just a review of the points program. You will have to contact them directly for help with your problem.

However, to my knowledge you should be able to get customer service to add on your missing points no problem if you call them.

January 03, 2016 @ 7:33 pm
Jabro's picture

Hi Janice,
Perhaps you got your answer already, but it appears that you did your shopping on a Thursday. Offers are sent via email weekly on Fridays, so anything that you bought on the Thursday would only be applicable for points offered by PC Plus for that particular Friday to Thursday week. In that fashion, the PC Plus program works the same way as offers in regular flyers.
If I have misunderstood your question, you can also select "Points Inquiry" on the app.

March 04, 2016 @ 2:17 pm
don tebbenham
don tebbenham's picture

where do i enter the code that is located at the bottom of my receit

February 07, 2016 @ 9:38 pm
Stephen Weyman
Stephen Weyman's picture

First I've heard of needing to enter a code anywhere don. Maybe call PC Plus customer service to find out more about this?

February 08, 2016 @ 9:20 am
Carmen's picture

there should something that says enter transaction code in the points inquiry thing on the website. Enter the Code at the bottom of your receipt for that selection.
The code is also used for surveys which gives you a chance to win a 5000 dollar shopping spree or 1 million pc points

April 12, 2017 @ 5:13 pm
KM's picture

I was just wondering I heard people talking about how they save up and buy televisions and gaming consoles, is that true i thought it was just for groceries?

February 21, 2016 @ 4:43 pm
Stephen Weyman
Stephen Weyman's picture

I'm sure this is true although I've never done it. Any product inside a PC Plus affiliated store should be purchasable. They have lots of products like those you mentioned in their electronics sections.

February 22, 2016 @ 12:38 pm
J Brown
J Brown's picture

Since the beginning of the program I have collected $800.00 in points. I load the offers and as you use the card more the offers are tailored to what you buy. I also look for the specials where you get 25000 points for $250 spent. That week I will spend the extra to get the points. I love PC plus...now goimg to get the credit card to earn more points.

April 01, 2016 @ 8:50 pm
Stephen Weyman
Stephen Weyman's picture

Yes, the points can add up quick. You might want to consider another cash back or rewards card that gives you a higher percentage return on your spending though. The PC card is decent, but there are definitely better out there. Check out my best cash back credit cards rankings here:


April 01, 2016 @ 11:07 pm
Debbie T.
Debbie T. 's picture

It's nice to see that I am not the only one frustrated by the (lack of) customer service provided by the PC Points program(s). I have called asking to have the various cards, and reasons for more than one card, explained to me. I am not a stupid person and worked in the financial industry for years. I have yet to figure out why there is more than one card for the collection of points and the best way to use them. The service rep was able to 'combine' or link my cards although she was unable to explain what that meant in terms of usage and how to best check out at the store - which card to show, which card to pay with. The in-store cashiers can provide a bit of assistance but that too is hit and miss. With the current cost of food I want to get the full benefit of these points and have further complicated the matter with the addition of the PC World Elite Mastercard... what have I done?!!

May 10, 2016 @ 2:54 pm
Stephen Weyman
Stephen Weyman's picture

Yes, it is a bit confusing isn't it. I have my actual points card linked to my PC Financial debit card. I either use my phone or my debit card to swipe for points at the checkout and then pay with my MasterCard that isn't affiliated with PC in any way.

May 13, 2016 @ 2:28 pm
Carmen stengel
Carmen stengel's picture

The teller didn't scan my card. I still have the receipt. How can I collect my points?

May 14, 2016 @ 11:47 pm
Stephen Weyman
Stephen Weyman's picture

They have a form for this on their website - just Google "PC Plus" and look for it there.

May 16, 2016 @ 11:11 am
RDP's picture

You really cannot do better than this.

September 23, 2016 @ 8:55 pm
Jim's picture

I seem to recall they ran a promotion earlier this year where they tripled the value of your points - do you recall that? Would you know whether that was a one-time thing or when it might happen again? I'd been saving points just for the heck of it and when I heard of the promo, I found out my dear wife had used them all that week :(

November 18, 2016 @ 2:43 pm
Stephen Weyman
Stephen Weyman's picture

I missed that promo Jim but sounds amazing. Don't know if they will run it again though.

January 02, 2017 @ 10:21 am
Liz's picture

Just spent 3 hours in Superstore completing our Christmas dinner/gift shopping and went to the check out and tried to redeem $490 worth of PC points on a $609 bill. The redemption wouldn't work and the PC points service Centre was closed. No one at the store could help....I'm mad as hell as we had to leave everything at the store. Will be rethinking which grocery store will be gaining my loyalty for the coming year.

December 23, 2016 @ 12:31 am
Stephen Weyman
Stephen Weyman's picture

Did you try doing a smaller redemption just in case the $490 exceeded some sort of limit? That's really too bad.

January 02, 2017 @ 10:23 am
BC's picture

This is very upsetting. My husband has been saving his points for quite some time.
Sometime early morning 28th December someone in Ontario linked their card to his (how I don't know must have hacked the account). We do not travel to Ontario, so how this could go through so easily is far beyond us.

They spent all his points by the tine he checked at about 10 pm PST 28th December.

We checked the website to see if there was anyone to contact but the offices are closed now.

I am very disappointed that no red flags went off when an Ontario account is linked to a BC account and the points drained in the same day.

.Anyone else have this horrific experience?

December 29, 2016 @ 5:24 am
LJ's picture


Someone redeemed $300 of my points somehow. I contacted PC plus by phone and they have given me back all of my points. Have changed my password for my account!

January 06, 2017 @ 11:02 pm
Stephen Weyman
Stephen Weyman's picture

Good to know they will fix that for you - sounds like the person above you could benefit from doing the same thing.

January 10, 2017 @ 1:04 pm
Sonia's picture

If you have a PC World Elite MasterCard (which gives you 30 points for every dollar spent at Loblaws banner stores) and you purchase a gift card a Loblaws (for instance a $50 CDN Tire gift card from the Loblaws gift card rack), would you accumulate the 30 points for every dollar spent since you are purchasing it at Loblaws? So, $100 CDN Tire gift card would give you $3000 points?

If you were to use your PC MasterCard directly at CDN Tire, you would get 1000 points on a $100 purchase. Assuming the above is valid, you would be gaining net 2000 points per $100 purchase if you first bought the gift cards at Loblaws. That could be useful for large purchases like a snow blower....

January 11, 2017 @ 10:45 am
Stephen Weyman
Stephen Weyman's picture

This kind of strategy works with the Scotia Momentum Visa Infinite when you buy gift cards at a grocery store, so I would be willing to be it also works with the PC Financial World Elite MasterCard. Haven't tried it myself though.

January 17, 2017 @ 10:19 pm
Joan's picture

I like the program, but find it frustrating that the flyer now runs Thursday to Wednesday, but offers aren't available to load until Friday. It should match up with the flyer dates. I also tend to find that I buy something, and then it's offered to me the next week; except I no longer need it, so won't be buying it again so soon.

January 12, 2017 @ 6:48 pm
Stephen Weyman
Stephen Weyman's picture

Ya, the recency to previous buy can be a bit frustrating. I also agree on matching up with flyer dates.

January 17, 2017 @ 10:19 pm
Daniel 's picture

That's funny... In Québec the program always runs from Thursday to Wednesday, just like the fliers. It's been like that since I've been with them (over 18 months)

April 18, 2017 @ 4:12 pm
Kimmy's picture

I actually like how the flyer and points offerings don't match up. It let's me take advantage of my old offers for one day and then I can still take advantage of the new ones on the same flyer.

June 29, 2017 @ 12:12 pm
James's picture

Hi I have 790000 points I lost my card could I still redeem them by using an app
And if so can I use my points whiteout paying cash up to the total amount of points

January 15, 2017 @ 6:19 pm
Stephen Weyman
Stephen Weyman's picture

Yes, you can still redeem them with the app, or your PC debit card, or your PC MasterCard. Yes, there is no need for any cash if you have enough points. Can only redeem in $10 or $20 increments though I believe.

January 17, 2017 @ 10:21 pm
KJS's picture

Recently had card frozen. Unable to redeem twice, although points were still accruing. Contacted PC Plus customer service and advised to reset password. Just one card linked to my account. Downside to the account reset is offers and purchase history lost, so who knows what offers will come in next week. Clearly a security issue going on with these cards. I will be making a point of not letting the points pile up and spending ASAP. If it wasn't for gasoline points, wouldn't bother playing the game.

January 18, 2017 @ 1:20 pm
Danb's picture

You should also add Maxi in the store list (Quebec only). They also price match!

January 24, 2017 @ 9:00 pm
Angela's picture

Here are a couple of tips if you use the app on your smartphone:

1. You can swipe right on a specific offer to save it (max 3 offers) for the following week ...and I have carried forward for more than 1 week, not sure how many weeks you can carry forward.

Example: check Flipp on Thursday and based on offers and specials for the upcoming flyer week, you can save offer and see it again on Friday ... Therefore maximizing on points for the following week.

2. You can also swipe right and click on option so that you won't see a specific offer again :)

Hope that helps!

February 03, 2017 @ 7:21 pm
Joseph's picture

I joined PCPlus and PCFinancial in August 2014, got 20,000 pts for doing it. The points we accumulate are amazing, I started using my PC mastercard for everything. We are a retired couple, so just buy enough groceries to two people. From Aug 2014 to Feb 2017, have received over $800 of free groceries. Do not have trouble with the setup at all. You get some very good deals. And out west we get 7 cents a liter off our gas which goes towards groceries. I do not know of a better credit card to be using.

February 03, 2017 @ 10:32 pm
Stephen Weyman
Stephen Weyman's picture

The gas offer in the west is definitely a nice bonus. There are better credit cards, but it is still a good card to use.

February 12, 2017 @ 8:56 pm
Montford pritchett
Montford pritchett's picture

I have a pc plus card but cannot accumulate points as I don't get any notification as to what items are eligible eac week. Can I get those through email? Do I just load the coupons to my pic plus card? Help needed.

February 04, 2017 @ 10:29 pm
McDonald 's picture

I use PC World Elite Master card you get 3x the points. I use PC plus app and price match with a app called Flipp. In combination with digital offers I save big time. I'm well over $500.00 in free food.

February 25, 2017 @ 1:16 pm
Authentic Saver 's picture

Here is another tip for those looking to earn points faster that in an article on my website.

"If you are going to spend money at another store, first go to a Loblaw’s store and see if the carry a gift card for that store. If they do use your PC financial card to make the purchase and you’ll earn points for purchase!
For Example, if you have a PC world elite MasterCard and you know you are going to spend approximately $50 at Home Depot. If you buy a gift card from Real Canadian Superstore you would earn 1500 points which is the equivalent of $1.50.
Please keep in mind that most stores require 24 hours for your gift card to be activated, so make sure you purchases at least the day before you plan to spend it"

May 24, 2017 @ 7:20 pm
Not a happy shopper
Not a happy shopper's picture

My husband and I have been shopping and scanning our PC points card for many months. On the weekend I asked how many points we have accumulated. The clerk looked at the receipt and let us know we hadn't earned any points during our shopping trip. Spent $260 and didn't earn 1 point. When I asked how that can be she asked if we had gone on and accepted our offers. We had no idea. When we got the card nobody explained that we would have to that. All this time we thought we were earning points based on the dollar amount spent there. I now understand it's not quite that simple. Very frustrating.

June 26, 2017 @ 10:53 pm
Jacob James
Jacob James 's picture

I have one of those key chain card that I get scan when I shop to receive points but it keeps reminding me to register so I downloaded the app and sign up because I thought I could register the barcode number I have already but was given a new barcode number how can I get my key chain numbers on my account so I can continue to collect the points and also add the points I already have to my account

July 04, 2017 @ 1:03 pm
Scott Johnson
Scott Johnson's picture

I have a pc financial account and always use my debit card. I've never gotten points for that. I do earn points but never for the card usage.

July 15, 2017 @ 1:33 pm

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