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 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.
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How to apply

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


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.


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 points at Hudson's Bay stores and, plus earn points everywhere else you shop.2

Double the points at Hudson’s Bay

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

Earn points everywhere

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

Redeem your points anytime

Your Hudson’s Bay Rewards points can be redeemed instantly at Hudson’s Bay stores and

Forget the fees

No annual⁴ or overlimit fees. Earn even more through member-only exclusive offers, events and specials throughout the year.

Enjoy free shipping

No Minimum Purchase with Hudson's Bay Mastercard.⁵

There’s more with Neo

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

Everyday cashback at Neo partners

Earn an average of 2% cashback⁶ at thousands of local and national Neo Financial partners and businesses, including most major gas and grocery stores, restaurants, gyms, coffee shops, and more.

Cash out 24/7

There are no minimum thresholds. You’ll find your cashback rewards balance in the app where you can cash out in one tap.

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
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%⁶ at partners
Overlimit fee
Inactive fee
Purchase Credit Rate / APR
19.99% - 24.99%*
19.89% - 25.99%
Cash Advance Rate / APR
21.99% - 26.99%*
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.


What is happening to my existing Hudson’s Bay Credit Card/Hudson’s Bay Mastercard?

The new Hudson’s Bay Mastercard—powered by Neo is replacing our existing card programs and is now available. All existing cardholders will be required to re-apply for the new Hudson’s Bay Mastercard if they wish to continue with a Hudson’s Bay Mastercard. 

Through our new partnership with Neo Financial, customers will continue to earn points on purchases outside of Hudson’s Bay while getting cashback at thousands of local and national Neo partners.

Will this impact my Hudson’s Bay Rewards Points balance?

No, there will be no changes to your points balance. You can continue to earn and redeem points instantly in store or online at any time.

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.

How long does it take to process my application? When will I receive my card in the mail?

Most applications will be processed in under 5 minutes. Some applications may take 24 to 48 hours for approval and require additional information. You can add the card to your digital wallet should you use one right away, and your physical card will be delivered to you through Canada Post within 7 to 14 business days after being approved.

Is there an annual fee for the Hudson’s Bay Mastercard—powered by Neo?

No. There are no annual or overlimit fees.

Do the new cards come with a grace period?

Yes, you will benefit from an interest-free grace period of at least 21 days on new purchases if you pay your new regular balance in full by the payment due date. There is no interest-free grace period on cash advances.

Do I need to apply in store to access the new Hudson’s Bay Mastercard?

No. You can apply using your phone by going to or downloading the Neo app.

What are the terms and conditions?

For complete terms and conditions, you can refer to the Neo Financial Cardholder Agreement which can be found at

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

1 Terms and Conditions apply. Visit for details. On approved credit. Only available to applicants of the new Hudson's Bay Mastercard–powered by Neo. Some exclusions may apply (see details). A 15% off offer is valid on eligible first day purchases with your Hudson's Bay Mastercard at Hudson's Bay stores and Cannot be combined with any other offer(s).
2 The terms and conditions of the Hudson’s Bay Rewards program apply to this offer. Visit 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, and their licenses within the stores. Hudson's Bay, Hudson's Bay Rewards, Hudson's Bay Credit,, 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%-26.99%).

⁵ Items sold by Hudson’s Bay receive FREE SHIPPING with the Hudson’s Bay Mastercard—powered by Neo. Items that are sold and shipped by Hudson's Bay Marketplace Sellers will have their own unique shipping policies.
⁶ Average based on current offers at select partners. Cashback varies per plan, offer and partner.
⁷ Based on research comparing no-fee retail co-brand credit cards operating in Canada (Nordstrom Rewards Visa, 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.
The Hudson’s Bay Mastercard is powered by Neo Financial and issued by ATB Financial pursuant to license by Mastercard International Inc. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.

Apple Pay is a trademark of Apple inc.

Google Pay is a trademark of Google LLC.
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