PC Insiders Review: Maximize Your PC Optimum Points In 2019

You all have heard of the PC Optimum points right? If, you haven’t yet here’s a brief – 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 potential 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 time lines here. 

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. 

We all shop at Valu-mart, No Frills, Loblaws, Shoppers Drug Mart, Real Canadian Super Store and Joe Fresh. Just to name a few of the place where you can earn PC Points. Even though you might not shop in all the places listed above, you’ll still end up visiting a few places at-least. Mind you, I’ve just named a few places where you can earn PC Points. There are ton’s of other places you might actually be interested in. 

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

What Is PC Insiders? 

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 Monthly Subscription – $9.99 per month

  • PC Insiders Annual Subscription – $99 per year 

Also Read – 7 Quick Ways To Maximize Your PC Optimum Points In 2019

Where All Can I Use The PC Insiders Membership?

Below is the complete list of stores you can use your PC Insiders Membership and earn PC Optimum points

  • 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

Features And Benefits Of The PC Insiders Program 

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. Benefits At 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 beautyBOUTIQUE online orders and more stores

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

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

pc insiders

Maximizing 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.

Also Read – 7 Quick Ways To Maximize Your PC Optimum Points In 2019

How do I Identify Myself As A PC Insiders Member To Get Extra Benefits?

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 Optimum + PC Insiders + PC Mastercard = Maximum PC Optimum Points earned 

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 have 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 is obviously a great way to earn you more points.

Related: I’ve covered the PC Mastercards in detail here

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. When checking out you’ll be asked if you’d like to redeem your travel credit.

How Do I See The PC Optimum Points Earned From My PC Insiders Subscription?

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 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, definetely 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 wont regret for sure. 

To conclude, my PC Insiders review is very positive. Some of 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. 

10 Latest & Popular Posts 

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 

Leave a Reply

Your email address will not be published.