What is a PC Optimum Household?

As a PC Financial Mastercard cardholder, you have the opportunity to pool your points with additional cardholders on your account. This grouping is called a “Household.” All members of a Household can contribute points to the same total, and all members have the opportunity to redeem from that same points total, too.

Only Primary cardholders can create a household by inviting their additional cardholders to join. To create a household, login to the PC Financial app or website, click on ‘Accounts’ and then select your PC Financial Mastercard. Select ‘Manage Additional Cardholders’ and click the link to start a household. You can invite all your additional cardholders to join your household.

When you join a Household, all of the PC Optimum points in your account are pooled with the points of all members of the Household. Any member of a Household may, at their sole discretion, spend any or all of the PC Optimum points that are held by members of that Household, including points that were earned by other members of the Household.

You can’t remove someone from a Household once they’ve accepted an invitation to join; however, you can leave a Household at any time.

When someone leaves a Household, they leave with their share of points, which are calculated based on their contributions or redemptions relative to the total amount of points pooled. This points amount will be shown to a member prior to leaving the household.

The total portion of redemptions attributed to the exiting member will be subtracted from the total amount of points contributed.