Meet the new Hudson’s Bay Mastercard®—powered by Neo. Apply now →

Meet the new Hudson’s Bay Mastercard®—powered by Neo

Apply now to get up to 15% off on first-day purchases¹, collect double the Hudson's Bay Rewards points² at Hudson's Bay stores³ and thebay.com, plus earn Rewards points everywhere else you shop and an average of 2% cashback⁴ at thousands Neo partners nationwide.

Apply now →

You’ll be taken to a secure website to complete your application.

(?) This is a digital representation of your credit card. You can use it to pay in-store and online before you activate your physical card. To access your card details, tap the 'eye' icon in the app. To make contactless payments with Apple Pay or Google Pay, add your card to your digital wallet.

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How to apply

There are 3 easy ways to apply for the Hudson's Bay Mastercard—powered by Neo:

In-store

Visit any Hudson’s Bay location and an associate will be happy to help.

Mobile app

Download the Neo app on your Apple or Android smartphone.

Online

Apply on our web portal with your desktop or mobile phone.

All three ways offer a safe and secure method to validate your identity and take just minutes to complete.

A card with major style points

Collect double the Rewards points² at Hudson's Bay stores³ and thebay.com, plus earn Rewards points everywhere else you shop.

Double the Rewards points at Hudson’s Bay

Use your Hudson’s Bay Mastercard in store and at thebay.com and get double the Rewards points—up to 4 Rewards points on almost every $1 you spend.2

Earn Rewards points everywhere

Earn 2 Rewards points on almost every $1 you spend outside of Hudson’s Bay stores.3

Redeem your Rewards points anytime

Your Hudson’s Bay Rewards points2 can be redeemed instantly at Hudson’s Bay stores³ and thebay.com.

Forget the fees

No annual5 fees. Earn even more through member-only exclusive offers, events and specials throughout the year.

There’s more with Neo

The benefits of being a Hudson’s Bay Mastercard holder go beyond the Rewards points.

Everyday cashback at Neo partners

Earn an average of 2% cashback4 at thousands of local and national Neo Financial™ partners and businesses, including most major gas and grocery stores, restaurants, gyms, coffee shops, and more.

Create your ultimate rewards card

Access boosted cashback, insurance coverage, and other exclusive perks by adding reward perks⁶ for gas & groceries, travel, wellness, and more to your card.

All-digital experience

Manage your card right from the Neo app, freeze or replace your card, get proactive alerts and notifications in real time, and more. In addition to your physical card, you can add your card to Apple Pay or Google Pay™to make contactless payments with your smartphone.

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How we compare

Hudson’s Bay Mastercard

Other Retailer cards⁷

Annual Fee

At retailer points value

1-2% cash equivalent

1.25-2.5% cash equivalent

Everyday spend points value

1% cash equivalent

Cashback rewards

Avg. 2%⁴ at partners

None

Overlimit fee

$29§

$25-29

Inactive fee

$10-25

Purchase Credit Rate / APR

19.99% - 29.99%*

19.89% - 25.99%

Cash Advance Rate / APR

22.99% - 31.99%*

21.49% - 27.99%

* The standard rate on purchases and cash advances is dependent on our assessment of your credit application, credit profile, and your province. See your Cardholder Disclosure at time of application for your specific rate.
§ Overlimit fee is not applicable in Quebec.

FAQ

Can I apply for the new Hudson’s Bay Mastercard-powered by Neo if I am not a Hudson’s Bay Rewards member?

Yes. When applying for the new Hudson’s Bay Mastercard, you will automatically be enrolled in the Hudson’s Bay Rewards program if you aren’t already.

Who is Neo Financial?

Neo Financial is a Canadian-based financial services company that’s helping Canadians build a better financial future with spending, savings and rewards. Learn more at neofinancial.com.

Latest on the Hudson's Bay Mastercard (March 2025)

What is happening with Hudson's Bay?

You may have heard that Hudson's Bay is undergoing a strategic restructuring under the Companies' Creditors Arrangement Act (CCAA). This process is designed to allow Hudson's Bay to continue operating while it addresses certain financial challenges. It is not a liquidation, and Hudson's Bay stores remain open for business.

How does this affect my Hudson's Bay Mastercard powered by Neo?

Your Hudson's Bay Mastercard powered by Neo is issued and serviced by Neo. It remains fully functional, secure, and unaffected by the Companies' Creditors Arrangement Act (CCAA) process. You can keep using your card as usual for everyday purchases or any other needs.

Will my Hudson's Bay Mastercard powered by Neo stop working?

Your Hudson's Bay Mastercard will continue to function as usual. This card is issued and serviced by Neo, so it's not affected by the Companies' Creditors Arrangement Act (CCAA) process. You can keep using it for everyday purchases, bill payments, and any other transactions without interruption. Your credit limit, interest rate, and account terms remain the same, and your card data remains secure within Neo.

Will this impact my credit card balance or personal data?

No. Your credit card balance and personal data are managed by Neo, not Hudson's Bay. Your obligation to make payments remains with Neo, and your card data is securely stored with Neo.

What about my Hudson's Bay Rewards Points?

We understand that Hudson's Bay customers are currently unable to view or redeem their points. For the latest information on HBC Rewards, please visit Hudson's Bay or contact them directly. In the meantime, Neo is exploring an additional cashback offer to ensure you can keep enjoying valuable rewards while your HBC points are on pause. Stay tuned, more details will be shared as soon as they become available.

Do I need to do anything right now?

There is no additional action required. Your Hudson's Bay Mastercard powered by Neo continues to function normally, so you can keep using it for everyday purchases and make payments as usual.

Will my credit limit be changed or reduced?

No, your credit limit will not be altered because of the Companies' Creditors Arrangement Act (CCAA) process. Your credit limit is set by Neo based on your personal credit profile.

Is there a risk I won't be able to use my card for everyday purchases?

You can continue using your Hudson's Bay Mastercard powered by Neo as usual. There are no restrictions or interruptions in service.

If I usually carry a balance, should I worry about changes to my interest rate or account terms?

Your interest rate and account terms remain unchanged. Any adjustments to rates or terms would follow normal credit processes and are not affected by the Companies' Creditors Arrangement Act (CCAA) process.

Where do I make payments, and will that change?

You continue to make payments to Neo as you always have, through the Neo app or your usual payment method.

I'm concerned about Hudson's Bay's financial issues—should I be worried about having this card?

There is no need to be concerned. Your card is issued and serviced by Neo, an independent financial service provider. Hudson's Bay's Companies' Creditors Arrangement Act (CCAA) process has no impact on your card's functionality or security.

Need Help? Visit Neo Support.

1 Terms and Conditions apply. Visit https://www.thebay.com/content/instant-credit-offer for details. On approved credit. Only available to applicants of the new Hudson's Bay Mastercard–powered by Neo. Some exclusions apply (see details). A 15% off offer is valid on eligible first day purchases up to a maximum of $45 of total savings with your Hudson's Bay Mastercard at Hudson's Bay stores and thebay.com. Cannot be combined with any other offer(s). This offer is only valid for customers applying online or in participating stores. In-store offers may vary.

2 The terms and conditions of the Hudson’s Bay Rewards program apply to this offer. Visit thebay.com/rewards for more information. Hudson’s Bay and related trademarks and designs are trademarks owned by Hudson’s Bay Company. All marks used under license.

3 Hudson's Bay Company stores include Hudson's Bay, thebay.com and their licenses within the stores. Hudson's Bay, Hudson's Bay Rewards, Hudson's Bay Credit, hbc.com, thebay.com and their associated designs are trademarks of the Hudson's Bay Company.

4 Quebec only: Monthly Statements; No monthly or annual fees; 21-day grace period; Minimum payment is the higher of $10.00 or 5.0% of total statement balance; Purchase rate (19.99%-24.99%) and cash advance rate (22.99%-25.99%).

5 Average based on current offers at select partners. Cashback varies by perks, offer and partner.

6 Cashback and other offers and rewards are operated by Neo.

7 Based on research comparing no-fee retail co-brand credit cards operating in Canada (Nordstrom Rewards Visa, Amazon.ca Rewards Mastercard, and Walmart Rewards Mastercard), excluding promotional periods or waived fees. Research conducted by Neo Financial and based on data taken from public websites as at February 18, 2021.

8 The variable monthly premium is based on the statement amount owed at the end of the billing cycle and is calculated based on the average daily balance for every $100 in posted transactions throughout the billing cycle. The insurance premium rate is calculated as $1,39 per $100 average daily balance over the insured period.

Bonus cashback only available to new applicants of the Hudson's Bay Mastercard—powered by Neo at participating locations. Earn bonus cashback up to a maximum of $100 CA over 90 days from the date of sign-up. Cashback may be limited and varies by perks, offer, and partner. Cashback, perks, insights, bill split, and other offers and rewards are operated by Neo.

The Hudson’s Bay Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.

Apple Pay is a trademark of Apple inc.

Google Pay is a trademark of Google LLC.

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