Hudsons Bay Rewards Review

.Hudson's Bay Mastercard Cardholder agreement

Cardholder Agreement and Disclosures

Billing Cycle/Statement Period: The duration of each billing period for which a statement may be provided varies. It is typically between 28 and 31 days.

Annual Fee: $0

Interest-Free Grace Period: You will 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.

Minimum Payment: If you reside anywhere other than the province of Quebec, your required minimum payment will be the greater of: (i) The sum of (a) 1% of your new total balance (excluding any balance on a special payment plan), (b) any interest charges you have, and (c) any monthly payment due under a special payment plan, rounded up to the nearest dollar, plus any amount past due; or (ii) $10 plus any amount past due; or (iii) any balance that exceeds your credit limit. If your new total balance is less than $10, then the minimum payment will be the new total balance.

If you reside in Quebec, your required minimum payment will be the greater of: (i) The sum of (a) 5% of your new total balance (excluding any balance on a special payment plan), and (b) any monthly payment due under a special payment plan, rounded up to the nearest dollar, plus any amount past due; or (ii) $15 plus any amount past due; or (iii) any balance that exceeds your credit limit. If your new total balance is less than $15, then the minimum payment will be the new total balance.

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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?

• The Hudson’s Bay Mastercard can be used everywhere Mastercard is accepted – and you can earn 2 Hudson’s Bay Rewards points for almost every dollar spent² outside of Hudson’s Bay Company stores¹. Plus, you’ll get a 25% bonus⁵ twice a year on all points earned outside of Hudson’s Bay and thebay.com. Your bonus is awarded in January and July based on the points you’ve earned in the previous six months and will appear on your credit statement.

  The Hudson’s Bay Credit Card is only accepted at Hudson’s Bay and thebay.com.
  
  

• 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?
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• No, you do not need to present your Hudson’s Bay Rewards Card with your 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.