PC Insiders Review: How To Maximize Your PC Optimum Points (2021)

Are you looking for the PC Insiders Review? If you are, then I bet you will learn everything about the program here. 

You all have heard of the PC Optimum points, right? If, you haven’t then here’s a quick brief:

First of all PC Optimum is a popular rewards program in Canada. It is accepted at over 4500+ stores across Canada.

It is free to join and start earning the reward points.  To earn points, you’ll have to swipe or scan the PC Optimum points card (digital) during the checkout, to earn points for the purchase. 

Redeeming the PC points is extremely easy as well, 10,000 points = $10 off. 

Earning PC Optimum Points is extremely easy and rewarding at the same time. What PC Insiders does is – it’ll actually increase the PC Points earning rate by multiplying the points with an X multiplier or with applicable 20% discounts during checkout.

Are you looking for the PC Insiders Subscription? Do you want to know what PC Insiders is all about and how you can earn more PC Optimum points with it? I’ve got you covered. Let’s get started. 

What Is PC Insiders? 

PC Insiders is a paid monthly or annual subscription program available exclusively to PC Optimum members. The best part of the Insiders subscription is you’ll end up scoring extra points, skip fees, and much more.

The PC Insiders subscription service was launched a few years back, I’m not sure of the exact timelines. 

It was Loblaw’s who actually introduced this subscription service that will give you these amazing benefits, but would you be willing to pay $9.99 a month or $99 annually for it? Let’s find out. 

pc insiders

PC Insiders Perks

We all shop at the Valu-mart, No Frills, Loblaws, ESSO/Mobil gas station, Shoppers Drug Mart, Real Canadian Super Store and Joe Fresh or at least visit a few of them for our daily needs and purchases.

Now, those are just a few of the places where you can earn extra PC Points using the Insiders membership. Mind you, I’ve just named a few places where you can earn extra PC Points. There are tons of other places you might actually be interested in. 

The actual multiple you’ll earn will depend on the purchase you make. Do remember, you’ll earn the normal PC Optimum points for all your purchases even without the insider’s membership, but the advantage you are getting here is the multiple at which you will earn the PC Optimum points, apart from the bonus in-store offers.

From what I’ve seen and reviewed here on my blog, I do strongly believe that PC Optimum is one of the best loyalty programs in Canada. Period.

PC Insiders Membership Types

The PC Insiders program is a subscription service that’ll actually boost the amount of PC Optimum points you’ll earn on every transaction at select food, apparel participating retailers where PC Optimum points are earned or redeemed.

By subscribing to the Insiders program, you can also earn extra PC Optimum points by shopping online at shoppersdrugmart.ca, and joefresh.com. Also, you’ll get and a one-time $99 credit with PC Travel services with annual subscriptions only.

PC Insiders Membership Types

PC Insiders offer two types of memberships – Monthly and Annual subscription packages. 

  • PC Insiders Monthly Subscription – $9.99 per month

  • PC Insiders Annual Subscription – $99 per year 

PC Insiders Promo Code

PC Insiders is offering a huge 25% discount PROMO Code for the annual subscription package. Here’s how you can get this limited-time one-time deal to maximize your PC Optimum points earnings potential. 

Use the PROMO Code – OR1501

1. During your PC Insiders sign-up process, enter the promo code – OR1501 in the first out of the four tabs – “Subscription details section”.

2. Once you enter the PROMO code, click on the “Apply Code” button and wait for the promotion to be applied and a success message which says “Referral code has been applied” will be displayed to you.

3. Then, continue with the rest of the registration process as you normally would do, in the last tab or section – make sure that the promotion code is applied. You should see a “25% off referral discount” confirmation before you pay for the PC Insiders annual subscription. 

The annual subscription price for the PC insiders program is $99 CAD, with the promotion code discount applied, you’ll end up paying only $83.90 taxes in. That’s with the 25% promo code mentioned here. 

pc insiders promo code

Where Can I Use My PC Insiders Membership?

In this section – I have listed a few stores where you can maximize your PC optimum points earning potential – Just to give you an idea.

Below is the list of few stores you can use your PC Insiders Membership and earn extra PC Optimum points on valid purchases. 

  • Loblaws

  • Zehrs

  • Atlantic Superstore

  • Valu-mart

  • Independent grocer

  • No Frills

  • Real Canadian Superstore

  • Fortinos

  • Extra Foods

  • Save Easy

  • Provigo

  • Bloor Street Market

  • Maxi

  • Maxi & Cie

  • Dominion

  • City Market

  • Shoppers Drug Mart

  • Pharmaprix

  • Joe Fresh

  • joefresh.com

  • shoppersdrugmart.ca

PC Insiders Surprise Gifts 

When you initially sign-up for the PC Insiders program – you’ll usually get a FREE gift box as part of the appreciation from the team. 

Usually, the gift box will contain – a bottle of maple syrup, large dark chocolate or almond bar, cake or cookie mix. From what I’ve been reading, the gifts vary across – but the bottom line is, PC Insiders team is doing this for all of us. 

Also, you can expect the FREE gifts annually once a year from PC Insiders. 

PC Insiders Benefits

Apart from the topics we have discussed so far, PC Insiders has other major benefits for increasing your points earning rate. Let’s look at them here. 

1. During Checkout:

2. At Participating Retailers:

  • 20% back in PC Optimum points on all brands of baby diapers and formula

  • 20% back in PC Optimum points on all PC Organics Products

  • 20% back in PC Optimum points on all PC Black Label Collection purchases

  • 20% back in PC Optimum points on all Joe Fresh purchases, in-store and at joefresh.com

  • 20% back in PC Optimum points on all beauty boutique online orders and more stores

3. PC Insiders Travel Credit – for PC Insiders Annual members only and will appear at checkout when you enter your first name, last name and phone number

  • $99 PC Insiders travel credit for travel services booked with PC Travel services

pc insiders

How To Maximize Your PC Optimum Points?

In case you’re still new or not completely familiar with PC Optimum rewards program. I have covered it in detail and you can find the article by clicking here

Here’s how PC Optimum works – You’ll earn PC points by regular shopping at close to 200+ stores. You can then redeem 10,000 PC points for $10 in groceries or merchandise at the stores I have mentioned in the previous section. 

Bonus PC Points are earned through personalized, weekly offers and in-store promos.

PC Insiders Travel 

All you need to do is – visit pctravel.ca and book your travel purchases to earn 3X the PC Optimum points on the booking amount. 

Simple Right? Yes, it is. There are no strings attached. Also, the points earning rates are petty standard across the site. 

Also, with the PC Insiders Travel you’ll get the benefit of “Best Price Match Guarantee”. So rest assured you’ll end up paying the best price in the market – be it for air tickets or for accommodation. 

You can use the PC Insiders Travel website to book – flights, hotel rooms, car rentals, vacation packages and much more. 

PC Insiders Travel

Do look out for the travel deals on the website too! 

Benefits Of The PC Insiders Travel program 

If you are a PC Financial Mastercard holder and a PC Insider member, there are 4 benefits for you

1. You’ll earn up to 3x PC Optimum points for every purchase you make

2. You get free access to exclusive bonus points promotions, which runs all round the year. 

3. You can apply the PC Insider $99 Travel credit towards your PC Travel booking (that’s a win-win situation)

4. If you are a PC Financial Mastercard holder, you’ll earn PC Optimum Points on every travel purchase – PC Mastercard and PC World Mastercard credit cards will earn you 2X points on every PC Travel purchase. If you have the PC World Elite Mastercard you will earn 3X points on every PC Insiders Travel purchase.

 Do note that, If you are a PC Optimum member only, you cannot book with the PC Insiders Travel.

For the PC Insiders loyalty points benefit, all you need to do is scan your PC Optimum loyalty card and your extra points for eligible purchases will be awarded automatically in the app.

For free shipping, waived pick-up fee or to use the travel credit available with annual subscriptions, you must use your PC id credentials that you use to sign in to your loyalty account.

PC Mastercard 

However, if you have the PC Mastercard, then you’ll earn more points on all your purchases.

For Example, the PC Financial World Elite Mastercard gives you 30 points for every $1 spent at participating stores where PC products are sold. You also earn 45 points per $1 spent at Shoppers Drug Mart.

That means your credit card gives you a 3% and 4.5% return in PC Optimum points respectively at those stores. That’s a crazy high earn rate for a credit card with no annual fee and it’s arguably better than some of the best travel credit cards in Canada.

World Elite Mastercard has a higher income requirement, but PC Credit Cards also have an entry-level card in the PC Financial Mastercard which earns you 25 PC Optimum Points per $1 dollar spent at Shoppers Drug Mart and 10 PC Optimum Points per $1 spent on all other purchases which are obviously a great way to earn you more points.

Credit cards are a great way to earn points, but the in-store promos are what really earn you some crazy amount of points.

For example, Joe Fresh recently had a promo where you would get 10,000 PC Optimum Points when you spend $50. That promo stacks with PC Insiders so that would mean you would have earned 20% back in PC Optimum points.

These types of promotions also happen at Shoppers Drug Mart on a regular basis so make sure you’re signed up for their personalized newsletter, which you’ll get weekly.

How Do I Use My PC Travel Credit?

To use your PC travel credit at pctravel.ca or through the PC travel call centre you’ll be asked to verify your first name, last name and phone number associated with your PC Insiders account.

Do remember, while checking out you’ll be asked if you’d like to redeem your travel credit.

Where can I see My PC Optimum Points Earned?

Your PC Optimum points earned will appear on a separate line within your loyalty transaction list within the PC Optimum app.

Also, you can check the points earned at pcoptimum.ca, described as “PC Insiders Subscription” points in the statement.

You can view all of your PC Insiders subscription usage and profile details by signing into your account at pcinsiders.ca using your PC id (the same credentials you use to log into your PC Optimum account).

How Soon Can I Start Using my PC Insiders Subscription?

As soon as your PC Insiders subscription payment has been processed, you’ll be able to use the benefits of your subscription.

You’ll also be able to track or manage your account by signing into pcinsiders.ca.

How Do I Contact PC Insiders? 

  • PC Insiders subscription billing – 1-833-724-6743

  • PC Optimum points related – 1‑855‑672‑7587

  • joefresh.com purchases – 1‑855‑322‑2522

  • shoppersdrugmart.ca – 1‑866‑220‑3837

  • PC Express – 1‑800‑296‑2332

  • PC Travel services – 1‑844‑862‑8466


PC optimum combined with PC Insiders and PC Mastercard is the best possible combination you’ll need to earn the most of the rewards. 

Still, PC Optimum card with PC insiders is good enough to make the most while still shopping for the regular grocery and stuff. 

I am telling this again, definitely go for the PC Insiders and PC Optimum subscription if you haven’t yet. It’s the best rewards program in Canada at the moment. To least say, PC optimum is completely free, give it a shot and you won’t regret for sure. 

To conclude, my PC Insiders review is very positive. Some of you might still think paying a monthly or annual fee for a store loyalty program is not worth it, but when you’ll take look at all the value you get, it’s clear PC Insiders is here to stay and why not, it’s fantastic!

Please let us know your thoughts and comments below. 

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PC Insiders Review


Value For Money







  • Free shipping at Joe Fresh and Shoppers Drug Mart
  • You'll earn PC points by regular shopping at 200+ stores
  • Insiders score extra points, skip fees, and much more


  • PC Insiders Monthly Subscription - $9.99 per month
  • PC Insiders Annual Subscription - $99 per year