Best Grocery Loyalty Programs in Canada (2025): PC Optimum, Moi, Scene+, Air Miles & More
Introduction
Grocery loyalty programs are a cornerstone of Canadian shopping in 2025. With food prices rising and competition fierce, the right program can save you hundreds of dollars a year. This guide reviews the best grocery rewards programs in Canada, how they work, their pros and cons, and how to maximize your value every time you shop.Table of Contents
- Why Grocery Loyalty Programs Matter in 2025
- Top Grocery Loyalty Programs in Canada
- How Each Program Works
- Comparison Table: Features & Value
- Tips for Maximizing Your Grocery Rewards
- FAQ
- Conclusion
1. Why Grocery Loyalty Programs Matter in 2025
- Food inflation makes rewards and discounts more valuable than ever.
- Personalized offers and digital apps help you save on what you actually buy.
- Stacking loyalty with credit cards and partner offers can multiply your savings.
2. Top Grocery Loyalty Programs in Canada
- PC Optimum (Loblaws, No Frills, Shoppers Drug Mart, Real Canadian Superstore, Zehrs, etc.)
- Moi by Metro (Metro, Super C, Jean Coutu, Brunet, Première Moisson)
- Scene+ (Sobeys, Safeway, Foodland, FreshCo, IGA, Rachelle-Béry, Les Marchés Tradition, and more)
- Air Miles (Metro, Shell, select independents)
- Walmart Rewards (Walmart Canada, limited scope)
- Costco Executive Membership (for frequent bulk shoppers)
3. How Each Program Works
PC Optimum
- Earn 10 points per $1 at most banners; 15 points per $1 at Shoppers Drug Mart.
- Personalized digital offers every week in the app.
- Redeem 10,000 points = $10 off groceries, pharmacy, or gas.
- Frequent bonus events (20x points, redemption events, etc.).
- Stack with PC Financial Mastercard for even more points.
Moi by Metro
- Earn 1 point per $1 at Metro, Super C, Jean Coutu, etc.
- Personalized offers and "accelerator" events for bonus points.
- Redeem 500 points = $4 off groceries or pharmacy.
- Link with RBC Avion for double-dipping.
Scene+
- Earn 1 point per $1 at Sobeys, Safeway, IGA, and partners.
- Redeem 1,000 points = $10 off groceries, travel, movies, or dining.
- Stack with Scotiabank Scene+ credit cards for accelerated earning.
- Frequent bonus events and digital offers.
Air Miles
- Earn 1 mile per $20 spent at Metro (Ontario), Shell, and select partners.
- Redeem 95 Cash Miles = $10 off groceries or gas.
- Dream Miles for travel, merchandise, or experiences.
- Bonus events and partner offers.
Walmart Rewards
- Earn $1 for every $140 spent with the Walmart Rewards Mastercard.
- Redeem for statement credits or Walmart purchases.
- No personalized offers or app-based bonuses.
Costco Executive Membership
- 2% annual reward on most Costco purchases (up to $1,000/year).
- Annual fee required; best for high-volume shoppers.
4. Comparison Table: Features & Value
| Program | Where to Earn | Base Earning Rate | Redemption Value | Personalized Offers | Credit Card Stack |
|---|---|---|---|---|---|
| PC Optimum | Loblaws, No Frills, Shoppers, RCSS, Zehrs, Esso | 10 pts/$1 | 10,000 pts = $10 | Yes | PC Financial |
| Moi by Metro | Metro, Super C, Jean Coutu, Brunet | 1 pt/$1 | 500 pts = $4 | Yes | RBC Avion |
| Scene+ | Sobeys, Safeway, IGA, Foodland, FreshCo | 1 pt/$1 | 1,000 pts = $10 | Yes | Scotiabank |
| Air Miles | Metro (ON), Shell, select partners | 1 mile/$20 | 95 miles = $10 | Some | BMO, Amex |
| Walmart Rewards | Walmart | $1/$140 (MC only) | $5 increments | No | Walmart MC |
| Costco Exec | Costco | 2%/yr | Annual cheque | No | Any |
5. Tips for Maximizing Your Grocery Rewards
- Always use the program's app to activate digital offers before shopping.
- Stack loyalty with a compatible credit card for double/triple points.
- Plan big shops around bonus events (20x points, redemption weeks, etc.).
- Link accounts (e.g., Moi + RBC Avion, Scene+ + Scotiabank) for extra value.
- Don't spread yourself too thin—focus on 1–2 programs that match your habits.
- Redeem points for groceries or gas for the best value (vs. merchandise).
6. FAQ
Q: Which grocery loyalty program is best in Canada?A: PC Optimum is the most popular and flexible, but Moi and Scene+ are excellent for Quebec and Sobeys banners. The best program depends on where you shop most.
Q: Can I use more than one program?
A: Yes! Many Canadians use 2–3 programs, especially if they shop at multiple banners.
Q: Are grocery loyalty programs worth it?
A: Absolutely—if you use the app, activate offers, and shop during bonus events, you can save hundreds per year.
Q: Can I stack loyalty with credit card rewards?
A: Yes—using a compatible credit card can double or triple your rewards.
Q: Do points expire?
A: PC Optimum and Scene+ points do not expire if your account is active. Moi points expire after 12 months of inactivity.