Card Details

Bank Name: Hudsons Bay
Network Type: Mastercard
Card Type: Personal
MRC Rating My Rate Compass's ratings are determined by our editorial team. Our editors rate credit cards objectively based on the benefits and features the credit card offers, interest rates, the fees, and how a credit card compares with other cards in its category.: (3)


Annual Fee: $0
Additional Card Fee: $0
Purchases Interest Rate: 17%
Cash Advance Interest Rate: 17%


  • You're a Canadian resident
  • You've reached the age of majority in your province or territory

Recommended Credit Score

Average to Excellent (670-900)

Hudsons Bay Rewards Review

Welcome Bonus:
Apply Now On Hudsons Bay's Secure Website
Hudsons Bay Rewards snapshot

The Hudson's Bay Mastercard on this page has been discontinued by the issuer, a new Hudson’s Bay Mastercard has been launched in partnership with Neo Financial. Learn more here

Hudson's Bay MasterCard Review

Even more in store

Use your Hudson's Bay Mastercard with your Hudson's Bay Rewards Card in store, and get double the points, that's up to 4 points for almost every $1 you spend.

2,000 points = $10 Gift Card
Your points can add up in no time. Redeem them for Hudson's Bay Gift Cards, then use your Gift Cards at Hudson's Bay, and Home Outfitters for the things you love.

Get access to 20+ savings events per year
Enjoy additional savings when you use your Hudson's Bay Mastercard at exclusive events. You can get advance notice of these events by signing up at don't miss out!.

Earn everywhere
Earn 2 points on almost every $1 you spend outside of Hudson's Bay Company stores.

Hudson Bay Mastercard Rewards:

Using this card, the card holder collects points on all purchases that can be redeemed at Hudson's Bay. More points are earned when the card holder makes purchases at Hudson's Bay. Card holders also get access to exclusive events offered by Hudson's Bay along with other shopping perks.


One of the downsides of this card is that you can’t apply online, all applications are done in store.

The card doesn’t have any insurance such as Purchase Security & Extended Protection Insurance.

Hudsons Bay Rewards Rewards
Categories cash back earn rate
Hudsons Bay Rewards Features
Priority airport services
Airport lounge access
Concierge service
Balance protection(Optional)
Purchase Security & Extended Protection Insurance
Flight delay insurance,Baggage Insurance
Vehicule rental insurance
Travel accident insurance
Travel medical insurance
Hudsons Bay Rewards User Reviews
Total Reviews: 0

Rating: 1 2 3 4 5 ( 3 )

Application Experience: 1 2 3 4 5

Rewards/Features: 1 2 3 4 5

Customer Service: 1 2 3 4 5

Convenience: 1 2 3 4 5

Likelihood to recommend: 1 2 3 4 5

Hudsons Bay Rewards FAQs

Hudson’s Bay Mastercard FAQ's

What’s the annual interest rate for the Hudson’s Bay Mastercard?

 The standard rate on purchases, cash advances, and balance transfers is Canadian Prime Rate + 17%. See the Hudson’s Bay Credit Cardholder Agreement for more details.

What’s the difference between the Hudson’s Bay Mastercard and the Hudson’s Bay Credit Card?

  • Do I need to present my Hudson’s Bay Rewards Card with my Hudson’s Bay Mastercard or Hudson’s Bay Credit Card when making a purchase?

Do the Hudson’s Bay Mastercard come with a grace period?

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

Is there an annual fee for the Hudson’s Bay Mastercard?

No. There’s no annual fee for the Hudson’s Bay Mastercard, the Hudson’s Bay Credit Card or the Hudson’s Bay Rewards program.

Will I be charged transaction fees?

Certain transaction fees apply for the Hudson’s Bay Mastercard. Click here to view these transaction fees.

Are there any other fees associated with the Hudson’s Bay Mastercard?

All fees associated with the card are outlined in the Disclosure Statement. See your Hudson’s Bay Credit Cardholder Agreement for more details.

Can I still apply if I’m not a Hudson’s Bay Rewards member?

Yes. And if you apply for a Hudson’s Bay Mastercard, you’ll automatically be enrolled in the Hudson’s Bay Rewards program if you aren’t already – your Hudson’s Bay Rewards Card will be mailed to you shortly after you’re approved for your credit card or be provided to you in store when you apply.

Where do I apply for the Hudson’s Bay Mastercard?

You can apply at any Hudson’s Bay store.

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

Once approved, you should receive your Hudson’s Bay Mastercard in the mail within 7 to 10 business days of the application being received by Capital One®.

What are the terms and conditions?

For complete terms and conditions, refer to the Hudson’s Bay Cardholder Agreement. You can also view the terms and conditions here.

Other Recommended Credit Cards


  • Free shipping.Get free shipping on online purchases if you meet the minimum purchase amount
  • 90-day Returns. you can enjoy up to 90-day returns on items you purchase.
  • Bonus points 2X per year. Receive a 25% bonus twice annually on points earned outside of Hudson's Bay Company stores.
  • Exclusive shopping events.Get access to 20+ savings events per year
  • Redeem points for HBC gift cards or convert them to AIR MILES.

Editor`s Review:

The Hudson's Bay Mastercard is a great store credit card with no annual fee. This credit card is issue by Capital One and doesn't offer purchase protection or extended warranty coverage.

The Hudson's Bay Rewards card! This is yet another fantastic choice, especially for those who love to shop with Canada's famous Hudson's Bay Company. With this card, individuals earn points which can be redeemed at Hudson's Bay.


Unfortunately, this card has a higher interest rate than most and can easily fluctuate since it is based off of the Canadian prime rate. In addition, other fees are in line with averages aside from cash advance fees and missed payment penalties. If you manage the card by making payments on time and in full, you won't face these penalties and, thankfully, there are no annual fees to worry about! But if you frequently use cash advance fees or make payments irregularly, shy away from this card.

In conclusion, this card has the perks of being fairly affordable and you can earn points towards your next Hudson's Bay purchase. Shopping is a reasonable expense at times, but earning points towards something that won't better your finances isn't always the way to go. Fortunately it is available to the majority of Canadians.

Unfortunately, you can't apply for the Hudson's Bay Mastercard online. Instead, the application needs to be made at the store.

if you love to shop at Hudson's Bay stores, this card could be a great choice for you.

Apply Now On Hudsons Bay's Secure Website

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Author Bio

Mohamed Konate

Mohamed Konate is a personal finance expert, blogger, and marketing consultant based out of Toronto. He is a former financial services professional who worked for many years at major Canadian financial institutions where he managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor in Business Administration from the University of Quebec (Montreal) and a Master in International Business from the University of Sherbrooke (Quebec).He is also the author of the Canadian Credit Card Guidebook.