Annual Fee
Extra Card Fee
Cash Advance
Balance Transfer
Personal Income
Household Income
Canadian resident who has reached the provincial age of majority.
  • Earn 2 points for every $1 spent plus a 25% bonus.
  • Earn 4 points for every $1 spent in Hudson’s Bay Stores.
  • Redeem points for HBC gift cards or even convert them to AIR MILES.
  • AIR MILES Gold & Onyx members get a 15-25% bonus when transferring HBC points to AIR MILES.
  • Enjoy shopping privileges like free shipping and additional savings, when shopping at HBC.
  • No annual fee.
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The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

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