Best Free Rewards/Loyalty Programs in Canada


We all love getting rewarded in our favourite places to shop.  And after all, is all about saving you money with everyday living and trying not to make you spend money.

There’s nothing like getting free stuff by being a loyal user these days. But what are the better loyalty programs available in Canada?

So I’m going to go through my “Daily list” on what I use as an everyday user.

Why are loyalty programs so Popular in Canada?

The answer is the major companies want you to stay spending in their stores or restaurants, so you keep returning time and time again, and there are some winners out there.

How Do I rate them?

  1. Simplicity – it must be easy to use – or I know I won’t use it for the full potential. I prefer good old plastic as a backup. I personally find Reward iPhone applications a painful if something goes wrong with an update somewhere between a new IOS or the application itself has an update.  So I prefer programs where I can personally have both in my wallet and on my phone.
  2. Value: How often I must use the rewards program in order to see a benefit.  And this is where individual tastes and shopping habits will vary from person to person.
  3. Expiration Dates: The longer the expiry rewards allow the better the program.
  4. Redemption Process: The cashing in the big Rewards.

MY Ultimate Favorite is:

PC Optium:


  • Free to Join
  • Allows both Cards a Mobile Application
  • Multiple users per account ( great for families)

Get points for purchases made at any Loblaws store as well as Shoppers Drug Mart.  – Huge bonus as SDM has both great grocery purchase items plus high-end cosmetics as well as everything in between.

Point value is Okay, and it involves some tweaking on consumer end to really max it the potential. I personally just let my normal shopping habits guide me, I don’t look at the rewards to start with unless I know there’s a large in points to spend a minimum amount.  I find the more I use it, the more in tuned it does become with my shopping habits on what I buy in a 3 month period of time. My husband does a great deal of the grocery shopping these days, so he watches the bonus points every week,

Redemption Process? So Easy -Just tell the cashier if they don’t ask you to redeem your PC optimum rewards points. You can redeem for as little as $10.00

I redeem at least a $100.00 every six months, and We’re not pros, and we are almost empty nesters. I do a redemption in July and another at Christmas season.

Tim Hortons:

I love my Timmies coffee every morning when I go to my day job. So every other week I get a Free Coffee.

The Tim Hortons rewards system is new in 2019, and is Purchase 7 orders and get a free hot beverage or baked good free on the 7th visit.  Now you don’t have to wait for the “Roll up to win” contest in order to get a Free Tim Hortons Coffee.

Value: for me, it’s awesome – as I am shopping there 5 days a week anyhow.  Nw I get a free coffee every second week. So for me, I’m saving the value of Two Extra Large Coffees per month.  ( SWEET!!)

Only Con: It’s one reward per purchase and you must wait 30 minutes between purchases. So if you order 4 coffees it will only count as a Single Purchase and you will only earn 1 point.


If you aren’t a Tim Horton’s Fan of coffee – then you are a McDonald’s coffee fan it seems.

McDonald’s has had its Reward Program since they came up with McCafe! Rewards are simple: Purchase 7 coffees and get 1 Free. ( any size)


  • Online Mobile App and you can always use their cup stickers.
  • Also if you order 4 coffees you can get all 4 purchases towards your free beverage.

Value: Great if you purchase their coffee on a regular basis.

Cons: No baked goods.

 Boston Pizza


Free Food for rewards: Free Appetizer for simply joining, Free Birthday Dessert, Free Pizza on your 1st year anniversary of joining. Free pizza bread with your first online order and much more such as $5 off $25 on your fifth order and 15% off your tenth order

Kids: Register a Kids Card and get 6th Kid meal free.

Value: It’s well worth it to sign up and enjoy the free food that’s for sure.

Cons: It’s not a cheap place to eat out all the time. But a few extra dollars add up.


Canadian Tire Money

Now Called Triangle Rewards!

Earn Canadian Money with Purchases at various stores besides Canadian Tire: Marks, Sports Chek and a few other stores.

Pros: Now you can use your Triangle Membership Card to add your points.  You no longer have to carry around actual Canadian Tire money around anymore.

Value: I find it very unrewarding for myself, but I think if you frequently shop at the locations, and have the Gas Bar accessible I can see how you can add some points in order to save money – Especially on bonus days.

Redeem: Can be redeemed any time for any amount.

Cons: Low value unless you catch a bonus type.


Related Articles:

Gas Pump Incentives 


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