The HBC Credit Card
With no annual fees and points earned per dollar spent, HBC offers a credit card that helps you reap the rewards from your spending – no matter where you shop.
HBC, originally known as the Hudson’s Bay Company and often simply called “The Bay” is a large retail group that has been in existence since the late 1600s.
With Hudson’s Bay stores located across Canada, HBC offers a no fee credit card that allows you to earn points per dollar spent. While more points can be earned when shopping at Hudson’s Bay stores, the credit card will allow you to earn points no matter where you shop.
Our guide explains the HBC credit card, as well as its the features and benefits. Learn about the eligibility requirements, as well as how to apply for an HBC credit card.
finder does not currently have access to this credit card provider. Please review the product details, application criteria and terms and conditions on the provider website if you are considering applying for this product.
HBC offers a no fee Mastercard that allows you to earn points per dollar spent, whether you shop in store at Hudson’s Bay or anywhere else. Earn one to two points per dollar spent when using your card, while you can earn up to four points per dollar spent at Hudson’s Bay stores. Your points can be redeemed for gift cards which can be used in-store at Hudson’s Bay, online or at Home Outfitters. In addition, the card gives you access to Hudson’s Bay savings throughout the year, as well as bonus points and shopping privileges. Mastercard credit cards come with zero liability and the option to add further insurance.
The benefits HBC offers
Some of the features you can enjoy when you get an HBC credit card include:
With an HBC credit card, you typically earn one to four points per dollar spent, depending on where you shop with your card. You can use your points to redeem gift cards, which can be used in store at Hudson’s Bay as well as online and in-store at Home Outfitters. Cards additionally offer access to shopping discounts and savings events throughout the year.
HBC Internet and mobile banking
If you have an HBC credit card, you can access your account through HBC’s official website. Furthermore, you can download the HBC app for your smartphone and access your account that way too.
HBC credit card complimentary extras
Mastercard credit cards come with zero liability, which means you are protected from any unauthorized transactions. Additional insurance can be added to the card if you require it.
HBC credit cards security
HBC protect clients with the use of Chip & PIN technology. Furthermore, with the use of its fraud monitoring system, you will be contacted immediately if there is any suspicious or unusual activity on your credit card account. Alternatively, if you detect fraudulent activity on your credit, contact HBC immediately.
How to apply for an HBC credit card
If you’ve done your due diligence and compared different credit card providers and have decided you’d like to apply for an HBC credit card, you can begin your secure online application by navigating to the HBC website. You’ll be redirected to a secure credit card application page, where you can begin the application process if you have all of the necessary documents and details ready.
Before you get started on your application, make sure that you meet the eligibility requirements for this specific credit card and be sure that you have the necessary documents on hand. Eligibility requirements typically vary between cards but generally include the following:
- How old are you? You should be at least 18 years old to apply for your own credit card.
- What is your Canadian residency status? You usually need to be a Canadian citizen or a permanent resident of Canada to apply for a Canadian credit card.
- What is your credit history like? Ideally, you should have a good to excellent credit score and no recent evidence of defaults or bankruptcy. Some cards will accept fair to poor credit, however check with the provider before you apply if you have less than good credit.
Information you will need for your application
If you meet the eligibility requirements for the credit card, you can proceed with your application by collecting the following information:
- Personal information. You’ll need to provide personal information such as your address and your contact information. You’ll also need to verify your identity by providing an accepted form of identification, such as your driver’s licence number or passport number.
- Financial information. You may also need to detail information about your current employment, income and assets like shares or property and your employer’s contact details. If you’re self-employed, you may need to provide information regarding your expenses, liabilities and your accountant’s contact information.
Frequently asked questions about the HBC credit card
We’ve compiled a list of the most commonly asked questions about HBC’s credit card. If you can’t find the answer to your question here, or if you’d like to leave us some feedback, get in touch with us using the form at the bottom of this page.
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