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Using HBC Rewards Points

By Robb Engen | July 8, 2011 | Comments Off on Using HBC Rewards Points


The HBC family of stores consists of Hudson’s Bay, thebay.com, and Home Outfitters. You can collect HBC Rewards points when you shop at any of the Hudson’s Bay Company (HBC) family of stores across Canada. HBC also offers the chance to earn more points with their HBC Rewards partners, including Esso and Travelodge.

As with most loyalty programs you can also double your points by using affiliated reward credit cards like the HBC Credit Card or HBC MasterCard. You’ll earn 100 points for virtually every dollar you spend by using this method of payment along with your HBC Rewards Card.

HBC Rewards

Earning HBC Rewards points

For virtually every dollar that you spend, earn:

  • 50 Points: When you shop at any Hudson’s Bay, thebay.com, and Home Outfitters
  • 100 Points: When you use your HBC MasterCard or your HBC Credit Card together with your HBC Rewards Card when shopping at Hudson’s Bay, thebay.com, and Home Outfitters
  • 50 Points: When you use your HBC MasterCard everywhere else MasterCard is accepted.

Tips to Earn More HBC Rewards

Your points can add up quickly. Here are four ways to help you collect HBC Rewards points even faster:

  • Use your HBC MasterCard or your HBC Credit Card together with your HBC Rewards Card every time you shop at the HBC family of stores to earn twice as many points.
  • Use your HBC MasterCard every time you shop outside of the HBC family of stores and earn 50 HBC Rewards points on every dollar you spend.
  • Shop with the HBC program partners and take advantage of their special offers.
  • Watch for special promotions and offers for points both in-store and on this website at Collecting Points.

Redeeming Your HBC Rewards

To give you an idea how many points are required to redeem for products, you can redeem 80,000 rewards points for a $10 HBC Gift Card, or redeem 200,000 points for a $25 HBC Gift Card.

Related: Shoppers Optimum Program Review

To put this in perspective you would need to spend $1,600 in order to earn a $10 HBC Gift Card, which is a 0.625% return. You can obviously increase your rate of return if you shop with your HBC Credit Card at sponsor locations.

Other Redemption Options

  1. Redeem your points for Air Miles rewards automatically each week or whenever you choose.
  2. Exchange your points for ESSO Extra points. You are still able to choose from the entire selection of HBC Rewards, as well as taking advantage of Esso Extra options, including free gas and car washes.
  3. Redeem your points for Chapters e-certificates. You can shop online at www.chapters.indigo.ca and get a great selection of books, music, movies and gift items.
  4. Donate your points to one of their preferred charity partners.

Final Thoughts On HBC Rewards

Gone are the days of Club Z points (Zellers) and Air Miles (the Bay). HBC Rewards has been around for about a decade now and it is a decent retail loyalty program option, but it’s not the best value for your money spent.

The bottom line is that if you enjoy shopping at HBC stores then it’s a good idea to have this card in your wallet, but don’t bother with their credit card option since their are much more lucrative reward credit cards out there.

Managing Your Rewards Cards With A Mobile App

By Robb Engen | July 3, 2011 | Comments Off on Managing Your Rewards Cards With A Mobile App


The typical Canadian has over half a dozen rewards cards in their wallet at any given time.  It seems like every retailer (large or small) has their own rewards card and loyalty program, along with incentives to save money if you join.  It doesn’t take long before we have dozens of rewards cards in our wallet, most of which have only been used once.

Recently I discovered that you can manage your rewards cards with a mobile app.  There are two mobile apps to choose from, CardStar and Key Ring Reward Cards.  Now you can relocate all of your rewards cards safely onto your mobile device and still easily access them when you go out shopping.

Let’s take a look at each of the different mobile apps for managing rewards cards.

CardStar Mobile App

The CardStar mobile app lets you store your rewards, club and loyalty membership cards on your BlackBerry device.  With CardStar you enter in your membership and barcode numbers for each merchant.  Once you save your information you will receive notice within the mobile app of certain promotions going on for each merchant.

The CardStar mobile app is free and comes available on most platforms including BlackBerry, iPhone, Android and Windows phones.

Key Ring Loyalty Cards Mobile App

With the Key Ring Loyalty Cards mobile app you can simply scanor type the barcode number from each of your rewards cards to enter them.  After you’ve added your cards you can instantly receive any available coupons within the app that you can print.

The Key Ring mobile app is also free and comes available on most platforms including BlackBerry, iPhone, Android and Windows phones.  The Key Ring mobile app takes up only 789.4 KB of memory, compared to 1.4MB for the CardStar mobile app.

Adding Your Rewards Cards to the App

With the CardStar mobile app you need to manually select each retailer that you have a loyalty card for and then enter in your membership or barcode number.

The Key Ring mobile app has the same option to manually enter your rewards cards memberships, or you can simply scan each barcode to add it to the app.  If there is no barcode you can select the ‘no barcode’ box and type in your membership number.

The scanning does work but can be a bit of a pain.  Holding the card under a light or out in the sun makes the barcodes easier for the BlackBerry camera to read and decode without a hassle.

Scanning at the Retailer

Both CardStar and Key Ring have the option of displaying your barcode or membership number in case the scanner won’t scan it.  The flatbed scanners at the retailer rarely work for either app, so hopefully that gets better as the retailers improve their scanning technology.

Signing Up For New Loyalty Programs

The nice thing about Key Ring is that there is an option to join new programs that are available in your area.  Just fill in your information and you’re automatically enrolled and your membership number is loaded into the app, which will save you time filling out the flyers at the retailer check-out.

Related: What Is Air Miles Cash?

When joining new programs within Key Ring, there may be special offers available once you sign up.

Unfortunately with CardStar you’ll have to either sign up online or actually go into that store and sign-up manually to get your membership number.

Simple Ways to Manage your Rewards Cards

Using a mobile app to manage your rewards cards saves you time and saves you the hassle of carrying around multiple cards in your wallet.  Our of the two mobile apps, the Key Star mobile app seems to be the best option to easily manage, add and use your rewards cards on the go.

Even though your wallet might start to look a bit thinner after removing all of your rewards cards, you should be able to easily save more time and earn more rewards by switching to a mobile app to manage your rewards cards and loyalty programs.

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