Before the age of Smart Phones & Apps, Loyalty Programs paid out for Customers who just "showed up" and bought (and Credit Cards still do this)
In the last 5 years Loyalty Programs have gotten BOTH more strategic as well as interactive.
Loblaws PC Plus follows this model. You want the benefit of their excellent Rewards... Then you have to be fully engaged
The more engaged, the more the Rewards (rough estimate 5% to 20% depending on your planning / shopping habits)
Those who don't review / load weekly offers get 0%
Those who buy the occasional item probably earn 5% or more
Those that faithfully shop ONLY at Loblaws Group and their weekly offers 10%
Those that buy items (ADD items) just for the points, more than 10% ... But at that point Loblaws is winning the game more than the Consumer
Those that are strategic shoppers... Probably have a well stocked Pantry & Freezer, read the flyers, shop many stores, track Sales, and when shopping at Lobaws load their PC Points Offers (and also use the App to Delay / Delete Offers) can see paybacks of 15% or more...
And those who do all of the above, and have "bought into" the Loblaws Group with a PC Financial CC with a high rate of PC Points report returns of 20% or more.
As with all Loyalty Points Programs, it comes down to HOW one CHOOSES to play the game. We all know going in that there is something in it for the Retailer, but what each person GETS OUT of the program is up to each Consumer. You want to maximize rewards, but at the same time minimize outlay, then one MUST do their homework
Fact is most people don't / are not that committed, so ultimately the Retailer benefits more than the Consumer. Those that do fully engage reap the best rewards no matter the program... And those strategically engaged, get the best bang for their buck.