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PC Financial 20,000 Points Bonus

Open a PC Money Account and make your first purchase to earn up to 20,000 PC Optimum points. No monthly fees and rewards on everyday shopping.

1,561 views 519 clicks 4.6 (5 reviews)
Sign-up Bonus
C$20.00
Points

About This Offer

PC Financial offers a unique banking experience integrated with the PC Optimum points program, allowing Canadians to earn rewards on everyday purchases at Loblaws-owned stores including Real Canadian Superstore, No Frills, Shoppers Drug Mart, and Esso. New users who open a PC Money Account and make their first purchase can earn up to 20,000 PC Optimum points, equivalent to $20 in free groceries. The PC Money Account is a no-fee prepaid card that earns PC Optimum points on every purchase. PC Financial also offers the PC Financial Mastercard which accelerates points earning at participating retailers. Points can be redeemed for groceries, household items, beauty products, and fuel at over 4,500 locations nationwide.

Get Your Bonus

Use this referral code:

PCMONEY20KK2

Sponsored link. Terms apply.

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Key Features

  • ✓ Earn PC Optimum points on every purchase at participating retailers
  • ✓ No monthly fees on the PC Money Account prepaid Mastercard
  • ✓ Redeem points for groceries, fuel, and household items at 4,500+ stores
  • ✓ Integrated with Loblaws, Shoppers Drug Mart, No Frills, and Esso
  • ✓ Mobile app for account management and balance tracking
  • ✓ Prepaid Mastercard — no credit check required to apply
  • ✓ Instant notifications for every transaction

How to Claim

1. Visit PC Financial and apply for a PC Money Account.
2. Enter referral code PCMONEY20K during the application.
3. Complete identity verification and activate your card.
4. Make your first purchase using your PC Money Account.
5. Receive up to 20,000 PC Optimum points within 4-6 weeks.

Frequently Asked Questions

Many fintech services have no monthly fees for basic accounts. Premium features may require a subscription.
Yes, most platforms support international transfers at competitive exchange rates with transparent fees.
Typically a government-issued photo ID and sometimes proof of address are required for identity verification.
Most accounts are verified within minutes to a few business days depending on the platform and document quality.
20,000 PC Optimum points are worth $20 in free groceries, household items, beauty products, or fuel at participating retailers across Canada.
No, the PC Money Account is a prepaid reloadable Mastercard. You load funds onto it and spend only what you have, with no interest charges or credit check required.

Reviews

5 reviews

Write a Review

A
Anonymous
Jun 8, 2026
★ ★ ★ ★ ★

Best exchange rates available

Compared side by side with my bank and saved 4% on a large transfer. The bonus was icing on the cake.

Verified Purchase
A
Anonymous
Jun 2, 2026
★ ★ ★ ★ ★

Great for international use

Saved a fortune on currency exchange compared to my bank. The referral bonus covered my first transfer.

Verified Purchase
A
Anonymous
May 26, 2026
★ ★ ★ ★ ★

Good bonus, app needs polish

The bonus worked perfectly but the app crashed once during setup. Otherwise very happy.

A
Anonymous
Apr 14, 2026
★ ★ ★ ★ ★

Security features are top notch

Two-factor authentication, instant freeze, and spending alerts make me feel safe using this.

Verified Purchase
A
Anonymous
Jan 21, 2026
★ ★ ★ ★ ★

Changed how I manage money

The app is beautiful and the bonus was credited within days. No hidden fees is a huge plus.