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Last Updated: 07/28/2025

CB2 Credit Card

in Credit Cards from Synchrony Bank

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
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Highlights

Purchase APR (Variable APR)

33.99%(Verified 05/27/2025)
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Balance Transfer APR (Variable APR)

N/A(Verified 05/27/2025)

Credit Score Range

Starting at 670
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Annual Fee

$0
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CB2 Credit Card Review

This is a store cashback credit card issued by Synchrony Bank. If you're wondering whether CB2 Credit Card is the right card for you, read on.

Key Takeaways

  • Generous reward rate. You can get a rewards rate of up to 10x.
  • Earn 10% back in Reward Dollars* every day on purchases at Crate & Barrel, Crate & Kids, and CB2 Or, for a limited time receive up to 24-months special financing*** on qualifying purchases.
  • APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 33.99%
  • No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if you have a fair credit score or better.

Pros & Cons of CB2 Credit Card

CB2 Credit Card FAQ

Does CB2 Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. This card features rewards for purchases in the following categories:
  • In-Store Eligible Purchases

Does CB2 Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does CB2 Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the relevant APRs for CB2 Credit Card?

According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.
CB2 Credit Card has a variable purchase APR of 33.99%. CB2 Credit Card does not offer balance transfers.
Note that late payments are subject to an APR of 39.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does CB2 Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers. CB2 Credit Card does not offer balance transfers.

Does CB2 Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for CB2 Credit Card?

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does CB2 Credit Card have a foreign transaction fee?

CB2 Credit Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for CB2 Credit Card?

The customer service number for CB2 Credit Card is (866) 226-5638.

What is the support contact email for CB2 Credit Card?

The support contact email for CB2 Credit Card is customer.service@mail.synchronybank.com.

What is the login page for CB2 Credit Card?

You can access the login page of CB2 Credit Card here.

How do people rate the customer service and user experience of CB2 Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does CB2 Credit Card report your account activity to credit bureaus?

Yes, CB2 Credit Card reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Synchrony Bank perform a hard credit pull?

Yes, CB2 Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for CB2 Credit Card

  • Visit the website of CB2 Credit Card.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

CB2 Credit Card Disclosure: */**Purchases subject to credit approval. Special financing purchases do not earn Reward Dollars. See cb2.com/rewards or the Rewards Program Terms for details on earning rewards. *Special financing purchases do not earn Reward Dollars. Cardholders will earn 20% back instead of 10% back in Reward Dollars for every $1.00 in net merchandise purchases (minus returns, refunds or credit adjustments) made at CB2 or Crate & Barrel catalogs, stores or websites located in the United States 05/15/25-05/27/25, unless the Special Financing Option is chosen. Gift Cards do not earn Double Rewards. Accrued Reward Dollars will be posted to your Reward Dollars balance within 1–2 billing cycles from when the purchase is posted to your Account and will automatically be redeemed for Reward Certificates within 1–2 billing cycles when the threshold (currently 20 Reward Dollars) is met. Reward Certificates are issued in $20 increments with a maximum of 10,000 Reward Dollars being redeemed in any one billing cycle and are valid for 90 days. The full amount of the Reward Certificate must be used at time of redemption (any remaining amount not used is forfeited). Reward Certificates may not be combined with any other discount (including associate discounts), except as otherwise provided. Rewards Terms and Conditions apply. See the Rewards Program Terms for details. **No Interest If Paid In Full Within 6, 12 or 24 months on qualifying purchases in store or online at CB2 or Crate & Barrel with your CB2 Credit Card or Mastercard. 6 months on purchases of $749-$1,498.99 or 12 months on purchases of $1,499–$2,998.99 or 24 months on purchases of $2,999 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promo period. Minimum monthly payments required. Qualifying purchase amount must be on one receipt. Special Financing purchases do not earn Reward Dollars. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The promo balance is equal to the promo purchase amount and any related optional debt cancellation fees. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. **/^^New Accounts as of 1/1/2025: Variable Purchase APR 33.99%. Variable Penalty APR 39.99%. Min Interest Charge $2. CB2 Mastercard: Variable Cash APR 36.99% and 5% Fee ($10 min). Foreign Trans Fee 3%. Existing cardholders: See your credit card agreement terms.

View CB2 Credit Card's published terms & conditions

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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Message from CB2 Credit Card

When you apply, you will first be considered for the CB2 Mastercard, if you do not qualify for the CB2 Mastercard you will then be considered for the CB2 Credit Card.

Contact

Headquarters

777 Long Ridge Rd
Stamford, CT 06905
Visit Site

Hours of Operation

Sunday
8:00AM - 12:00AM
Monday
8:00AM - 12:00AM
Tuesday
8:00AM - 12:00AM
Wednesday
8:00AM - 12:00AM
Thursday
8:00AM - 12:00AM
Friday
8:00AM - 12:00AM
Saturday
8:00AM - 12:00AM

Other Services by Synchrony Bank