Meet the new Hudson’s Bay Mastercard®—powered by Neo. Apply now →
Designed to shop anywhere.
Apply in minutes and start using your
virtual card
?
right away to shop online at
thebay.com
and everywhere else.
Apply now →
(?) 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.
Find out more
Find out more
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.
How we compare
Hudson’s Bay Mastercard
Other Retailer cards⁷
Annual Fee
$0
$0
At retailer points value
1-2% cash equivalent
1.25-2.5% cash equivalent
Everyday spend points value
1% cash equivalent
1% cash equivalent
Cashback rewards
Avg. 2%⁴ at partners
None
Overlimit fee
$29§
$25-29
Inactive fee
$0
$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)
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 % 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.
Apple Pay is a trademark of Apple inc.
Google Pay is a trademark of Google LLC.
