Loyalty
Best loyalty programs in Canada: grocery stores and local businesses
What is the best loyalty program in Canada? For groceries, three programs share Quebec. Here is where they work, what a point is really worth, how to tell which card is the most rewarding for you, and what an independent business can learn from them.
Key takeaways
- In Quebec, groceries are split between PC Optimum (Maxi, Provigo, Loblaws), Scene+ (IGA, Rachelle-Béry, Tradition) and Moi (Metro, Super C, Jean Coutu, Brunet, Première Moisson).
- Points are not worth the same: 1,000 points are worth $1 at PC Optimum and $10 at Scene+; 125 Moi points are worth $1.
- The most rewarding card is the one from the store where you already do most of your shopping, with its personalised offers activated.
Where can you find digital grocery loyalty programs in Canada?
In Quebec, three programs cover most grocery stores: PC Optimum (Maxi, Provigo, Loblaws), Scene+ (IGA, Rachelle-Béry, Marchés Tradition) and Moi (Metro, Super C, Jean Coutu, Brunet, Première Moisson). All three run through an app with personalised offers to activate.
| Program | Where (Quebec) | Point value | How you earn |
|---|---|---|---|
| PC Optimum | Maxi, Provigo, Loblaws | 1,000 points = $1 | Mostly through personalised offers |
| Scene+ | IGA, IGA Extra, Rachelle-Béry, Marchés Tradition | 1,000 points = $10 | Mostly through personalised offers |
| Moi | Metro, Super C, Jean Coutu, Brunet, Première Moisson | 125 points = $1 | 1 point per dollar at Metro, Jean Coutu, Brunet and Première Moisson; offers at Super C |
Rules change regularly: check them in each program’s app before choosing.
Which loyalty card is the most rewarding?
The one that returns the most on your actual spending. Work out the dollar value you earn each month, not the number of points: 1,000 points are not worth the same from one program to another. Personalised offers, activated in the app, often matter more than the base rate.
- Estimate your monthly spending at each store.
- Convert the points earned into dollars using each program’s point value.
- Add the offers you really activate, not the ones you ignore.
The most generous program on paper can be the least rewarding if the store is far from home: loyalty follows proximity and habit first.
What are the best loyalty programs?
The best programs share three traits: a reward you can see coming, a card you cannot forget because it is on your phone, and offers that reflect what you actually buy. That holds for a grocery chain as much as for a neighbourhood café.
The big grocery programs have all moved to apps and personalised offers: they understood that the point matters less than the data that lets them make the right offer to the right customer.
An independent business does not have their budget, but can apply the same logic at its own scale: a card in the phone’s wallet, a reachable reward, and targeted messages (birthday, customers absent for a month, top customers).
What an independent business can learn from the big programs
The chains’ principle applies to neighbourhood businesses: know your customers and reach them at the right time. A Wallet card provides that ability with no app to build, with automated messages triggered by actual visits.
Frequently asked questions
What is the best loyalty program in Canada?
There is no best program in absolute terms: the best one is the program of the store where you spend the most. For groceries in Quebec, compare PC Optimum, Scene+ and Moi based on your usual store, the value of a point and the personalised offers you actually activate.
Can I put my PC Optimum, Scene+ or Moi card on my phone?
Yes: these programs have their own apps, and a card with a barcode can also be added to Google Wallet or Samsung Wallet. Our article on adding a loyalty card to your phone covers the steps for iPhone, Android and Samsung.
Sources
- Milesopedia (2026). Programmes de fidélité à l’épicerie : lequel choisir pour maximiser vos économies ?.