Free tool
Loyalty points calculator
Triangle, PC Optimum or Scene+ — which pays you back the most?
How much do your points earn per year? Enter your monthly spend — everything runs here, nothing is sent.
Your points are worth about…
Triangle (CT Money)
$5/yr
… with the Triangle Mastercard : $48/yr
PC OptimumBest-paying program for you
$83/yr
Scene+
$18/yr
Tip: programs stack — the real strategy is buying where the price is lowest, then banking bonus points.
Approximation: Triangle ~0.4% base (4% with the MC card), PC Optimum ~1.5% at Shoppers and ~1% on groceries, Scene+ ~1% base — excluding targeted offers that often add 1–5%.
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Frequently asked questions
Which program earns the most?
It depends where you shop. PC Optimum wins if you buy groceries at Loblaws/Maxi and health items at Shoppers. Triangle wins for frequent Canadian Tire shoppers — especially with the Mastercard (4%).
Are points really worth their face value?
Roughly yes: 10,000 Optimum points = $10, CT Money redeems 1:1, Scene+ points are ~1¢ each. The real variable is targeted offers — that's where programs pay the most.
Points or the lowest price — what comes first?
The lowest price, always. 1–4% in points never beats a product that's 15% cheaper elsewhere. Compare flyers first, collect points second.