Hudson Bay MasterCard, offered by Capital One, enables cardholders, to earn points per dollar spent. However, Capital One stopped being the aim offers or finances of the Hudson Bay MasterCard. Hence, The new Hudson Bay MasterCard became a co-brand with Neo Financial after Capital one announced it was ending its relationship with Hudson’s Bay Company and Costo.

Hudson Bay MasterCard

However, the Hudson Bay Mastercard which is now offered by Neo Financial can be very useful and efficient for all those who would want to shop at the Hudson Bay store anywhere most of all on eBay. Neo Financial promises to offer shoppers doubles the point at HBC, free shipping on orders, and a cash bank at Neo partners.

With this card, you can earn points as you shop at Hudson’s Bay stores as well as other stores. we will advise you to keep reading as Hudsons Bay Mastercard Review covers all benefits you will want to know about the card.

Hudson Bay MasterCard

Don’t you think going out shopping and coming back with a good sum of the amount would not be a bad idea? now some reading this is content. Well, the possibility of having a good amount of saving on every shopping depends on the store or website you want to shop on and also the type of card you are using to shop. Now, this is where Hudson Bay MasterCard comes in. With Hudson Bay MasterCard you can earn points and get more rewards.  

Hudson Bay MasterCard Benefit

Unlike other Mastercard, the Hudson Bay Mastercard dos not have an annual fee. There are certain benefits that the card offers which make it very different from other platforms. The main benefit of this card is that you double up your earning rate when you shop in the store. Other benefit includes

  • 2 points for every $1, spent, with an additional 25% bonus
  • There are 4 points for every $1, spent in Hudson’s Bay Stores
  • Cardholders can redeem points for HBC gift cards or even convert them to AIR MILES
  • Its AIR MILES Gold & Onyx members receive a 15-25% bonus as they transfer HBC points to AIR MILES
  • Revel shopping privileges like free shipping and additional savings, as you shop at HBC
  • It comes with no annual fee charge.

You can apply for the Hudsons Bay Mastercard online, at any branch close to you or via the Neo Financial app.

Hudson Bay Rewards 

Bay Card comes with many rewards and you will love to be part of it. The Hudsons Bay rewards is a free program that entitles all anticipating applicants to enjoy and has three tiers including the

  • Hudsons Bay Rewards.
  • Hudsons Bay Rewards plus.
  • Hudsons By Rewards VIP.

for you to qualify for the upper tiers, you need to meet a minimum annual spend as per below and make at least two separate visits to Hudson Bay or in a calendar year.

Hudson Bay MasterCard Fees/Rates 

As we mentioned before, you don’t have to bother much about the fee that comes from the Hudson Bay Mastercard as it does not have an annual fee just like other cards. However, there is some little fee you will want to know that comes with the card. The following fees and rates are attached to this card;

  • Annual Fee – $0
  • Extra Card Fee – $0
  • Purchase Interest Rate – 20.70%
  • Cash Advance Rate – 20.70%
  • Balance Transfer – 20.70%

The above are fees that the card holds.

Hudson Bay MasterCard Application 

Are you considering how to get the Hudson Bay Mastercard? well, the only thing required of you is to state your application on the website. However, before you go ahead to apply for the card on the Hudson website, take a look at these criteria and requirements.

Eligibility Criteria 

Having the above in place gives you an upper hand in qualifying for a MasterCard. So, having known this, you can proceed to apply for the Hudson Bay Mastercard.

How to Apply for Hudson Bay MasterCard 

  • Launch the website on your web browser or you can click on
  • Click on the “apply now” button at the top right side of the website.
  • Fill out the given form with your “email” and “password”.
  • Tap on the “Add promo code” button that is below the form given.
  • Click on the “Apply” button below the form given.

when that is done, you have to abide by all instructions on the website and follow the on-screen instruction to complete the process on the website.

Hudson Bay MasterCard Activation  

As you receive your card via mail, you will see a phone number on it. Call the number to activate your card. Once you call, you’ll be required to confirm your identity, and offer some details of the new card. Immediately after your card is activated, you can use it for purchase. Hence, the question of how to activate the Hudson Bay Mastercard will be answered.

How to Activate Hudson Bay Mastercard

Have you gotten a Hudson Bay Mastercard and you to want to activate it? Well, you can use the steps below.

  • Visit the Hudson website at
  • Click on the “sign in” button at the top right side.
  • Tap on the “activate” button below the login form.
  • Fill out the form give with your “CVC”, “a valid thru”, “Credit card number” and “4-digit pin”
  • Click on the “Continue” button below the form given.

follow all other instructions on the website to complete the process on the site.

Sign up on Hudson Bay Mastercard

It should come to your notice that you can’t access the Hudson card without having an account on the platform. Hence, it is an important fit to engage in. Are you having a hard time signing up for an account on the Hudson website? if yes, you have nothing to bother your head about as we will be giving you guides on our next heading, Just keep reading.

How to Sign up for an Account on Hudson Bay Mastercard

In this section, we will be giving you guides on how to create an account on the Hudson website in other to access Bay credit. you can check out these steps below

  • Turn on your device.
  • Navigate the website on your web browser or you can click on
  • Click on the “sign in” button at the top-right corner of the website.
  • Tap the “sign up” button below the form given.
  • Fill out the form given with your “email” and “password”.
  • Enter the “add promo code” button below.
  • Click on the “apply” button that is below the form given.

use all directives given to you on the platform to complete the process on the website.

Hudson Bay MasterCard Log in

Have you opened an account on the Hudson website? did you apply for a card? have you activated that card? do you pay bills and you still don’t know what your financial statement looks like? Well, you can’t know all activities that go on with your account without logging in to your account.

How to Login to Hudson Bay MasterCard 

To view your card activity, view your statements and manage your account on the go follow the following login steps;

  • Launch the website on your web browser or you can click on
  • Tap on the “sign in” button at the top right corner.
  • Fill out the login form with your “email” and “password”.
  • Click on the “Sign in” button.

With the above, you can be able to sign in to your account without stress.

Hudson Bay Credit Card 

Hudson Bay credit card was an amazing offer that Hudson Bay gives to its customer. The Hudson By Credit card is no longer offered.  The two ways to earn points when shopping at Hudsons Bay demand that you either use its regular Rewards membership card or the Hudson Bay MasterCard powered by Neo card.

How to Make Hudson Bay MasterCard Bill Payment 

This card can be made at Hudson’s Bay or Home Outfitters store (by debit card or cash).  Bill payment, can also be done via your bank (by online or telephone banking). If you wish to make your bill payment via mail, make your cheque payable to “Hudson’s Bay Credit Services” and ensure your Card number is indicated on the front of your cheque.

How do I Pay my Hudson Bay Mastercard?

You can Pay your Hudson Bay Mastercard through your financial institution under the payee name of Hudsons Bay Mastercard or Hudson Bay Credit care.

Can I Use HBC Mastercard Anywhere?

You can use the card anywhere that MasterCard is accepted. it is, however, in connection with the Visa card, hence, you can use it anywhere the visa card is accepted.

What is a Neo Mastercard?

The Neo Mastercard is a cash-back credit card unlike traditional banks offering cashback rates for a spending category (grocery stores, gas stations, drugstores and more). Neo has chosen rate will vary and may be amplified by some partner offers.

What is Bay Card in Canada?

Hudson’s Bay Rewards is a loyalty program where customers earn points for purchases at the Bay stores and websites in Canada. Every 2000 points earned can be redeemed for a $10 gift card.


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