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Hudson’s Bay Mastercard Review

Earn HBC Rewards with Hudson’s Bay and cash back with Neo partners when you spend money on this card.

Earn 4 points for every dollar you spend at Hudson’s Bay and 2 points for every dollar you spend everywhere else.

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N/A

Welcome Offer

$0

Annual Fee

N/A

Rewards

Finder Canada 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.

30-second take

  • Get this card if you want to earn Hudson’s Bay rewards and cash back with Neo partners when you sign up.
  • Choose something else if you’re looking for flexibility with your points or you don’t regularly shop at Hudson’s Bay.
  • There is no minimum annual income to qualify for this card listed on the website.

Getting the new Hudson’s Bay Mastercard powered by Neo

The new Hudson’s Bay Mastercard powered by Neo is designed to let you collect HBC Rewards and cash back with Neo partners when you shop. This card is now available and will replace all existing Hudson’s Bay card programs. If you’re already a customer, this means that you’ll need to re-apply for the new Hudson’s Bay Mastercard to continue earning rewards.

The basics

  • No annual fee. Avoid cutting into your savings with no annual fee.
  • Earn HBC Rewards. Earn 2 HBC points for every dollar you spend on your card, and 4 points for every dollar you spend at Hudson's Bay. 
  • Earn cash back with Neo. Earn an average of 4% in cash back at thousands of local and national Neo Financial partners (on top of your HBC points).
  • Welcome bonus. Get a 15% discount on your first-day purchases and a $25 welcome offer in Hudson's Bay Rewards points when you sign up.
  • Free shipping. Get free shipping on online purchases at Hudson’s Bay that are over $45.

The perks

  • Decent return. Earn a 1-2% return when you spend money in-store or online at Hudson’s Bay (that’s around $10 for every $500 you spend).
  • Fast approval. Most applications will be processed in under 5 minutes, though some may take up to 48 hours and require additional information.
  • Special discounts. Earn even more rewards through member-only exclusive offers, events and specials throughout the year.
  • Mobile wallet. Add your card to Apple Pay or Google Pay to make contactless payments with your smartphone.
  • Online account. Manage your balance and payments in a single easy-to-use online portal or through the Neo app.

What to watch out for

  • High interest rates. You’ll pay a minimum purchase rate of 19.99% and a maximum rate as high as 24.99%.
  • HBC-exclusive. You’ll have to use your points to make purchases at Hudson’s Bay, which will limit what you can exchange them for.
  • No insurance or benefits. This card doesn’t offer purchase protection, extended warranty coverage or other credit card benefits.
  • Long wait for a physical card. You may need to wait between 7 and 14 days for your card to arrive.

What should I know before I apply

How to apply

  1. You can apply for a Hudson’s Bay Mastercard powered by Neo in 3 different ways: online, in-store or through the Neo mobile app.
    • Online. Apply on the Hudson’s Bay Mastercard web portal with your desktop or mobile phone.
    • Mobile app. Download the Neo app on your Apple or Android smartphone.
    • In-store. Visit any Hudson’s Bay location to speak to an associate.
  2. Complete the application with details that include your name, email address, social insurance number and birth date.
  3. Read through the Disclosure Statement details and sign on the dotted line.

Compare other credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC Cash Back Mastercard
N/A
Up to 2% cash back
19.99%
$0
Min. recommended credit score: 650
Get 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Tangerine World Mastercard
15% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 15% cash back (up to $150) when you spend $1,000 in the first 2 months Until November 18, 2022. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
RBC Avion Visa Infinite
55,000 points
Up to 1 point per $1 spent
19.99%
$120
Min. recommended credit score: 650
Get up to 55,000 Welcome Points. Get 35,000 points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by October 31, 2022.
OFFER
Tangerine Money-Back Credit Card
15% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 15% cash back (up to $150) when you spend $1,000 in the first 2 months Until November 18, 2022. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
EXCLUSIVE
Neo Financial Mastercard
Get $25.00
Average 5% cash back
19.99% - 24.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at thousands of partners and at least 0.5% cashback guaranteed.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
12.99%
$0 annual fee for the first year ($20 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $20 annual fee waived in the first year.
RBC ION+ Visa
12,000 points
3 points per $1 spent
19.99%
$48
Min. recommended credit score: 660
Earn 12,000 Avion points when you get approved for the card. Apply by November 30, 2022.
RBC ION Visa
6,000 points
1.5 points per $1 spent
19.99%
$0
Min. recommended credit score: 660
Earn 6,000 Avion points when you get approved for the card. Apply by November 30, 2022.
American Express Cobalt Card
30,000 points
Up to 5x points per $1 spent
20.99%
$155.88
Min. recommended credit score: 700
Earn up to 30,000 Membership Rewards points in your first year. Earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your card (up to 30,000 points). That’s up to $300 towards a weekend getaway or concert tickets.
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Bottom line

The Hudson’s Bay Mastercard is a good credit card option for regular Hudson’s Bay shoppers. It offers a targeted rewards program at no extra cost and you can also earn cash back with Neo partners in your city. You might want to avoid this card if you rarely shop at Hudson’s Bay or you’re looking for additional insurance or benefits.

Frequently asked questions about the Hudson’s Bay Mastercard

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