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 Rewards points² at Hudson's Bay stores³ and, 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 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

Forget the fees

No annual5 or overlimit 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
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
Overlimit fee
Inactive fee
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.


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

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 % 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). 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 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%-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, 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.
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 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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