PC Travel Review 2020: Great For PC Insiders

Last updated Mar 23, 2020

The PC Insiders program launched in 2018 and has exploded in popularity.

Since PC Travel is closely tied with PC Insiders and PC Optimum, I thought I would do a PC Travel review to see if it would be worth using to book travel.

Review of: PCTravel

Use: Online Travel Booking 


PC Travel is great for the $99 travel credit for PC Travel Insiders and those who collect PC Optimum points. Customer support and price competitiveness can be an issue for customers.

Get a $99 PC Insiders Travel Credit

What is PC Travel

Source: pctravel.ca

PC Travel is a travel agency started by the President’s Choice brand. You can book hotels, flights, vacations, cruises, and car rentals through the website.

Who can use PC Travel?

There are only two ways you can be qualified to use PC Travel services:

  1. If you hold one of the three President’s Choice Financial Mastercard.
  2. If you are a PC Insiders Member.

Here are the three different Mastercard’s that qualify. Note the salary requirements:

Source: https://www.pcfinancial.ca/en/credit-cards

What is PC Insiders

The PC Insiders program is a new subscription service that unlocks perks & benefits on select food, apparel and more at participating retailers where PC Optimum points are earned and redeemed, and also online at shoppersdrugmart.ca, and joefresh.com.

Cost: Annual Subscription for $99/year

Benefits: 20% back in PC Optimum points at participating retailers on:

  • All brands of baby diapers and formula
  • All PC Organics products
  • All PC Black Label Collection purchases
  • All Joe Fresh® purchases
  • All beautyBOUTIQUE online orders

Free Shipping on:

There is also a $99 PC Travel services credit for annual subscribers, meaning if you use this travel credit, your PC Insiders membership is essentially free.

If you already shop a lot at PC Brands stores like Superstore, Loblaws, Nofrills, and Shoppers Drug Mart, the PC Insiders program is a great deal.

If you take at least one flight a year, you can take advantage of the $99 travel credit also on PC Travel, which essentially makes your PC Insiders membership free. With that kind of deal, there’s no downside to joining up with PC Insiders.

How to earn PC Optimum points with PC Travel

Here is a breakdown of the different credit cards you can use and how many PC Optimum points you can earn when booking with PC Travel.

  1. If you are a PC Financial Mastercard holder, you will earn 20 points per $1 spent on PC Travel
  2. If you are a PC Financial World Mastercard holder, you will earn 20 points per $1 spent on PC Travel
  3. If you are a PC Financial World Elite Mastercard holder, you will earn 30 points per $1 spent on PC Travel.

Translating this into dollar amounts:

Source: pctravel.ca

For every 10,000 points you receive, you will $10 in Optimum points, which is the same as cashback since it is deducted from your purchases at PC stores.

If you’re booking with PC Travel, and you have the maximum card of PC Financial World Elite card, you will get 30 points for every dollar spent. This means to earn 10,000 points you will need to spend around $333, to earn $10 in Optimum points. This is equal to 3% cashback.

If you don’t have the max card and are only earning 20 points for every dollar, you will need to spend $500 to earn $10 in Optimum points, which is equal to 2% in optimum points awards.

3% is an excellent points rewards for a no-fee credit card. There are also elite-level rewards like travel medical insurance included when you purchase the flights.

PC Travel vacations vs Redtag.ca vacations

I made a comparison for an identical vacation from Toronto to Cancun, Mexico. There was the same hotel, Smart Cancun by Oasis, which was $1,168 on PC Travel, but only $968 on redtag.ca.

That is a massive $200 difference. The PC Optimum points you earn will not even come close to making up that difference. I found a few examples similar to this.

PC Travel offers a best price guarantee, so you could give that a try if you find a much cheaper price elsewhere.

Make sure you comparison shop before booking with PC Travel.

Source: pctravel.ca

Source: redtag.ca

How long does it take to receive my PC Optimum points?

Looking at PC’s terms and conditions, it will take between 3-5 weeks for your PC Points to be awarded to your account.

Where can you redeem PC Optimum points?

When you get 10,000 PC optimum points, you can redeem them for up to $10 worth of free products and groceries at any participating stores. Here is the list of those stores, there are a lot of choices!

  • Loblaws
  • Real Canadian Superstore
  • Shoppers Drug Mart
  • Joe Fresh
  • joefresh.com
  • shoppersdrugmart.ca
  • Zehrs
  • Atlantic Superstore
  • Valu-mart
  • Independent grocer
  • No Frills
  • Fortinos
  • Extra Foods
  • Save Easy
  • Provigo
  • Bloor Street Market
  • Maxi
  • Maxi & Cie
  • Dominion
  • City Market
  • Pharmaprix

PC Travel Flights vs Google Flights

I did a search for a Vancouver to Edmonton flight, to compare prices with the PC Travel platform and Google Flights.

Although the flight prices for Air Canada and Westjet were the same for both platforms, one thing that stood out is that on PC Travel, you won’t be able to book discount airlines such as Swoop or Flair.

Google Flight – Flair Airlines is available

PC Travel – Same Flight, no Flair Air was available to book!

Source: pctravel.ca

Who should use PC Travel

  • If you’re a PC Insiders member, make sure to use up your $99 PC Travel credit every year.

Who should not use PC Travel

  • If you don’t shop at any PC or Loblaws affiliated stores much.
  • If you don’t have PC Insiders membership or PC Mastercard.


Get the PC Insiders if you shop a lot at PC Brands like Superstore, Loblaws, NoFrills, Shoppers Drug Mart. Then, you can use the $99 travel credit to fly using PC Travel. You can’t redeem PC Optimum for travel, but you can earn PC Optimum points by booking with your credit card through PC Travel.

PC Travel flights and PC Travel vacations don’t seem to be a great deal though, and there are better deals to be had elsewhere.

If you liked this article…

<a href="https://wealthawesome.com/author/christopher-liew/" target="_self">Christopher Liew, CFA</a>

Christopher Liew, CFA

Creator of Wealth Awesome

A Canadian CFA Charterholder with 11 years of finance experience and the creator of Wealthawesome.com. Read about how he quit his 6-figure salary career to travel the world here.

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