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PC Financial Insiders
November 24, 2023
8:03 am
cgouimet
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Apparently something new in December and distinct from PC Optimum Insiders.

Anyone with ideas as to what this is?

CGO
November 24, 2023
9:48 am
Dean
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.
I found this using Google Search . . .

Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

November 24, 2023
10:23 am
cgouimet
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Dean said
.
I found this using Google Search . . .

Dean  

Something else coming ...Scn-Cap-2023-11-24-@-13.22.18.JPG

CGO
November 24, 2023
11:19 am
Dean
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cgouimet said

Something else coming ... 

With the same name ?!

I'm guessing that the link I posted (Post #2) is to the Beta version, with the official roll-out happening in Dec.

I guess we'll just have to ... Wait an' See. sf-smile

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

November 25, 2023
2:01 am
RetirEd
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Paid-subscription rewards programs are abuse of the customer. An immoral coercive technique. Canadian Tire is launching one too. You'll never get the full advertised discount, and you get pushed into one vendor even when there are better deals elsewhere.

Screw'em all.

RetirEd

November 25, 2023
5:14 am
cgouimet
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RetirEd said
Paid-subscription rewards programs are abuse of the customer. An immoral coercive technique. Canadian Tire is launching one too. You'll never get the full advertised discount, and you get pushed into one vendor even when there are better deals elsewhere.

Screw'em all.  

I don't shop at Canadian Tire enough to warrant their program but the PC MasterCard/Optimum/Insiders combo has been quite good for us: 1.5MM pts ($1500) thus far this year ($1000+/yr since 2019 plus price discounts that I don't keep track of too closely.

CGO
November 25, 2023
9:08 am
Dean
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.
As with all such programs . . .


.

... We are obliged to; 'Govern Ourselves Accordingly'.

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

November 25, 2023
12:04 pm
smayer97
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cgouimet said

... the PC MasterCard/Optimum/Insiders combo has been quite good for us: 1.5MM pts ($1500) thus far this year ($1000+/yr since 2019 plus price discounts that I don't keep track of too closely.  

Likewise... in the same ballpark. All that PLUS price-matching with Metro, Freshco, Food Basics, I estimate $2-3K saved per year. Of course, these are after-tax dollars. So like getting a raise!

Helps compensate for the rising cost of food.

November 25, 2023
3:51 pm
suburbs4life
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How is this different from PC insiders annual subscription which is currently closed? I still have this membership. They likely closed it cause they were losing too much money from it lol.

November 26, 2023
1:02 pm
Doug
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RetirEd said
Paid-subscription rewards programs are abuse of the customer. An immoral coercive technique. Canadian Tire is launching one too. You'll never get the full advertised discount, and you get pushed into one vendor even when there are better deals elsewhere.

Screw'em all.  

Completely agree, 1,000%. This is an abomination; it's PC Financial trying to launch a product that is part Koho Financial's paid subscriber rewards and Amazon's Prime subscription service. At least Prime includes some useful features, like ad-free streaming music, television and movie streaming, potentially Twitch, and unlimited full-resolution cloud photo storage. 🙂

Cheers,
Doug

November 26, 2023
1:03 pm
Doug
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suburbs4life said
How is this different from PC insiders annual subscription which is currently closed? I still have this membership. They likely closed it cause they were losing too much money from it lol.  

It's likely the exact same, or you'll be migrated from PC Insiders to the yet-to-launch new subscription program in December (or soon thereafter). You got in on the pre-release beta, essentially. They closed PC Insiders pending full public launch. 🙂

November 26, 2023
1:05 pm
Doug
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Dean said

cgouimet said

Something else coming ... 

With the same name ?!

I'm guessing that the link I posted (Post #2) is to the Beta version, with the official roll-out happening in Dec.

I guess we'll just have to ... Wait an' See. sf-smile

    Dean

  

Yes, you nailed it, Dean. It was 'closed' pending the public launch, but they may have made some changes from the beta, so beta subscribers may want to expect those changes communicated to them at launch.

Cheers,
Doug

November 26, 2023
1:36 pm
suburbs4life
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Doug said

It's likely the exact same, or you'll be migrated from PC Insiders to the yet-to-launch new subscription program in December (or soon thereafter). You got in on the pre-release beta, essentially. They closed PC Insiders pending full public launch. 🙂  

Cant wait then…I am sure they will make it worse.

November 26, 2023
1:43 pm
cgouimet
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Doug said

Yes, you nailed it, Dean. It was 'closed' pending the public launch, but they may have made some changes from the beta, so beta subscribers may want to expect those changes communicated to them at launch.

Cheers,
Doug  

Doug said

Yes, you nailed it, Dean. It was 'closed' pending the public launch, but they may have made some changes from the beta, so beta subscribers may want to expect those changes communicated to them at launch.

Cheers,
Doug  

That's a well tested program with 4+ years in beta ...

I suppose we'll learn more soon ...

CGO
December 4, 2023
8:17 am
Gogie
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So I've received an offer to upgrade to the new PC Insiders™ World Elite Mastercard. I currently have the PC Financial Elite MC (no fee) as well as a PC Optimum card. I find I get lots of points from my PC Optimum account/Elite MC and I'm a little concerned about what happens if I switch to the World Elite card. Apparently I lose my PC Optimum card/rewards but "gain" the PC Express pass, which as far as I can tell doesn't give me anything I don't already have (I get free curb-side pickup with my current set up).

Has anyone compared the World Elite MC/ PC Express pass benefits with the PC Financial Elite MC / PC Optimum card? Other than the initial sign up bonus for the new card ($150 worth of PC points) I don't see any real advantage as I lose the PC Optimum card. In fact, my fear is I'll end up getting fewer points than I do now.

December 4, 2023
8:38 am
cgouimet
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Gogie said
So I've received an offer to upgrade to the new PC Insiders™ World Elite Mastercard. I currently have the PC Financial Elite MC (no fee) as well as a PC Optimum card. I find I get lots of points from my PC Optimum account/Elite MC and I'm a little concerned about what happens if I switch to the World Elite card. Apparently I lose my PC Optimum card/rewards but "gain" the PC Express pass, which as far as I can tell doesn't give me anything I don't already have (I get free curb-side pickup with my current set up).

Has anyone compared the World Elite MC/ PC Express pass benefits with the PC Financial Elite MC / PC Optimum card? Other than the initial sign up bonus for the new card ($150 worth of PC points) I don't see any real advantage as I lose the PC Optimum card. In fact, my fear is I'll end up getting fewer points than I do now.  

You gain 1% more PC MC points on Loblaws properties.

You gain 0.5% at Shoppers Drug Mart.

You gain free PC Express.

You gain some points on Esso/Mobil gas.

You keep PC Optimum and those points and offers.

BUT!

You lose PC Optimum Insiders for 100 points per PC Products $.

To me that last one is the deal breaker. I do not do PC Express deliveries but 50-55% of my Loblaws purchases are PC, PC Blue Menu, PC Splendido and PC Black Label. So losing 10% on 50% of my my Loblaws purchases to gain 1% on all my Loblaws purchases makes no sense.

Update: And I did speak with a very pleasant CSR to confirm all of the above is correct ... A no go for moi ...

CGO
December 5, 2023
7:02 am
Gogie
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cgouimet said

You gain 1% more PC MC points on Loblaws properties.

You gain 0.5% at Shoppers Drug Mart.

You gain free PC Express.

You gain some points on Esso/Mobil gas.

You keep PC Optimum and those points and offers.

BUT!

You lose PC Optimum Insiders for 100 points per PC Products $.

To me that last one is the deal breaker. I do not do PC Express deliveries but 50-55% of my Loblaws purchases are PC, PC Blue Menu, PC Splendido and PC Black Label. So losing 10% on 50% of my my Loblaws purchases to gain 1% on all my Loblaws purchases makes no sense.

Update: And I did speak with a very pleasant CSR to confirm all of the above is correct ... A no go for moi ...  

Thanks for the great summary. I'll have to look into your last point - we do most of our grocery shopping at Fortinos so it may be a bit of an issue.

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