I just heard about this today and I'm thinking maybe I should cash in my HBC points. I guess they won't be totally useless though if they can still be used at the Bay. I've had mostly good experiences with Zellers. Their rewards program isn't amazing but there are a lot of bonus point offers. The SPC card makes a lot of their prices comparable with Walmart. I haven't combined price matching with coupons and the SPC card. But Zellers often has some pretty good sales to combine with coupons and SPC. I'm kind of a rewards program addict so I don't think I'll like Target as much.