PC Optimum vs Scene+ vs Moi Rewards: Which Canadian Loyalty Program Actually Pays
PC Optimum, Scene+, Moi Rewards and Air Miles compared for 2026: what points are worth, which stores each covers, and the weekly habit that gets more from any of them.
Four loyalty programs cover Canada's big grocery chains in 2026: PC Optimum (Loblaw banners and Shoppers Drug Mart), Scene+ (Sobeys-family banners), Moi Rewards (Metro-family banners) and Air Miles, which is no longer the program at Metro or Food Basics in Ontario.
They redeem differently, run different bonus offers and reward different habits. Here's how they compare in April 2026, how to use each one, and the habit that gets the most out of any of them.
What changed recently in Ontario
Older loyalty comparisons still map Metro and Food Basics to Air Miles. That's out of date. Metro stopped offering Air Miles in Ontario in 2024 (MoneySense) and launched its own Moi Rewards program at Ontario Metro and Food Basics stores on October 24, 2024 (Metro).
It was Food Basics' first loyalty program. In Quebec, Moi has covered Metro, Super C, Jean Coutu, Brunet and Première Moisson since May 2023 (Supermarket News).
Longo's runs its own Thank You Rewards program, separate from Scene+ (Longo's).
The baseline redemption rates
Here's what each program pays when you redeem at the register:
- PC Optimum: 10,000 points = $10 (MoneySense).
- Scene+: 1,000 points = $10 at participating grocery stores (Scotiabank).
- Moi Rewards: 500 points = $4, redeemable in $1 steps after that (Metro).
Base earn rates vary by banner, credit-card pairing, personalized offer and time of year, so one headline "earn rate" per program is misleading. What matters more is how each program stacks personalized offers, category bonuses and credit-card earn on top.
PC Optimum: the personal-offer game
With PC Optimum, the base rate matters less than the offers. The value comes from:
Personalized weekly offers. Every Thursday, members get offers for items they've bought before or are likely to buy, based on their purchase history (MoneySense). You load them in the app.
Spend-threshold bonuses. Offers like "spend $50, get bonus points." These lift your return on a trip when the threshold matches what you needed to buy anyway.
Category multipliers. For example, extra points on all produce for a week. They help when they fit what you were already buying.
Paid add-ons. Loblaw also sells PC Express Pass for free pickup and delivery on online orders over $35. MoneySense lists it at $9.99 a month or $99.99 a year. It only pays off if you order online often.
The best PC Optimum approach:
- Load every weekly personalized offer.
- Stack personalized offers with flyer sales when they overlap.
- Take the highest spend-threshold bonus when you needed to stock up anyway.
If you shop mostly at Loblaw banners and load offers every week, PC Optimum gives you the most ways to earn beyond the base rate. In our view, that makes it the program with the highest ceiling for engaged shoppers.
Scene+: a fixed rate and a card that stacks
Scene+ also earns outside grocery, including at Cineplex (Scotiabank). Within grocery, here's how it works:
Where it earns. Scene+ is the program at Sobeys, Safeway, IGA, FreshCo, Chalo! FreshCo, Foodland, Thrifty Foods, Rachelle Béry and Les Marchés Tradition (Scotiabank). Earn rates vary by banner and promotion.
A fixed redemption rate. 1,000 points = $10 on groceries at participating stores. That works out to 1 cent per point.
Credit-card stacking. The no-fee Scotiabank Scene+ Visa earns 2 points per $1 at Sobeys, Safeway, Foodland and participating Co-ops (Scotiabank). If you shop Sobeys-family stores a lot and pay the card off in full, the card and program together add a second layer of points.
Weekly bonus offers. Scene+ also pushes bonus-point offers through its app.
The best Scene+ approach:
- Link a Scotiabank card that earns Scene+ on groceries if you qualify and will pay off the balance.
- Scan the weekly app offers before you shop.
- Redeem in 1,000-point blocks when you need them. At the standard $10 per 1,000 points, waiting doesn't raise their value.
Moi Rewards: the new Ontario player
Moi Rewards is Metro Inc.'s own program. It launched at Ontario Metro and Food Basics stores in October 2024, after running in Quebec since 2023.
What it replaces. If your closest discount store is a Food Basics, Moi is now the loyalty program at the register there.
How it earns. At Metro in Ontario, the base rate is 1 point per $3 spent. Food Basics has no base earn, only bonus offers (Rewards Canada). Linking an eligible RBC card adds 1 point per $2 on eligible spending (Metro). As with PC Optimum, the personalized offers in the app are where you earn beyond the base rate.
How to use it. Load offers in the app before you shop, shop Metro-family banners in weeks when their flyer is strongest, and pay with a grocery-category credit card for an extra layer.
Air Miles: still an earning option, just not the Ontario grocery default anymore
Air Miles is no longer the program at Metro or Food Basics in Ontario. If you still carry an Air Miles card from your Metro runs, Moi is what earns at those stores now.
Check Air Miles' current partner list to see where your card still earns.
What about stacking programs?
Can you use all of these? Yes. Each program is tied to different stores, so carry whichever one covers the store you're in:
- Loblaws, No Frills, Real Canadian Superstore, Shoppers Drug Mart, Maxi, Valu-mart: PC Optimum.
- Sobeys, Safeway, IGA, FreshCo, Foodland, Thrifty Foods: Scene+.
- Metro and Food Basics (Ontario), Metro and Super C (Quebec): Moi Rewards.
- Longo's: Thank You Rewards (its own program).
- Walmart: no points program at the till. Its rewards come through the Walmart Rewards Mastercard (Milesopedia).
- Costco: no points program. The Executive membership pays an annual 2% reward on most purchases (Costco).
The bigger gain comes from pairing each store's program with a grocery credit card. Scotiabank cards earn Scene+ on Sobeys-family trips. A grocery-category cashback card works for your PC Optimum store runs. The Amex Cobalt earns 5x points on groceries and other eats and drinks, up to a $2,500 monthly spending cap (Rewards Canada).
One store program plus one grocery-category card earns two sets of rewards on the same spending. How much depends on your basket size, your card's cap, and how consistently you load app offers.
Where the programs genuinely don't pay
A few warnings:
Redeeming outside grocery. Scene+ grocery redemption is worth 1 cent per point (1,000 points = $10). Before redeeming for movies, gift cards or anything else, check whether you're getting at least that much.
Chasing category bonuses that don't fit your basket. "100x points on baby formula!" isn't valuable if you don't buy baby formula. Skip offers that require you to change your shopping, unless the product is one you need.
Buying a specific brand because it has a bonus. If the bonused item is a premium brand you wouldn't normally buy, the points rarely cover the price gap. Check the unit price. If the branded item costs 40% more than the store brand and the bonus is worth 8%, you're still paying more.
Paid add-ons for light shoppers. A delivery pass or other paid membership only pays off if you shop that chain often enough to beat its fee.
Every Thursday or Friday, open the loyalty app for whichever store you plan to shop that week: PC Optimum for Loblaw banners, Scene+ for Sobeys banners, Moi for Metro and Food Basics. Load all the personalized offers before you go.
Honest ranking for April 2026
Putting it all together:
- PC Optimum has the highest ceiling, in our view: weekly personalized offers plus spend-threshold and category bonuses for shoppers who load them.
- Scene+ pairs a 1,000-for-$10 grocery rate with a no-fee Scotiabank card that earns 2 points per $1 on Sobeys-family trips.
- Moi Rewards is the program to carry if Metro or Food Basics is your main store in Ontario.
- Air Miles is no longer the program at Metro or Food Basics in Ontario.
If you could only have one, pick the program at the store you already shop most. If you're flexible, PC Optimum works at Loblaw grocery stores and Shoppers Drug Mart (MoneySense), so one card covers both grocery and pharmacy runs.
How Deal Dish helps
Deal Dish is a free app for iPhone, iPad and Android that shows this week's flyer deals at 3,500+ Canadian grocery stores across 35 banners, including Loblaw, Sobeys and Metro banners. You can compare prices at nearby stores before chasing a points offer, since a bonus at one store doesn't help if the same item is cheaper at another.
Compare grocery deals at Loblaw, Sobeys and Metro banners in one app. Get Deal Dish free on the App Store.
Put this into practice
Deal Dish is a free app for iPhone, iPad and Android that collects weekly flyer deals from 3,500+ Canadian grocery stores. The same team writes these guides.
