Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
33.99%(Verified 05/27/2025)
Disclaimer popup with additional information
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 Mastercard Review
This is a store rewards card issued by Synchrony Bank. If you're wondering whether CB2 Mastercard is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 10x.
- 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 rewards card. It gives you rewards on your 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 Mastercard
| The Good | The Bad |
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CB2 Mastercard FAQ
Does CB2 Mastercard have a cash back or rewards program?
CB2 Mastercard is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 2 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| In-Store Eligible Purchases | Up to 10 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does CB2 Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does CB2 Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for CB2 Mastercard?
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 Mastercard has a variable purchase APR of 33.99%. CB2 Mastercard does not offer balance transfers. It also has a variable cash advance APR of 36.99% .
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 Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. CB2 Mastercard does not offer balance transfers.Does CB2 Mastercard 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 Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does CB2 Mastercard have a foreign transaction fee?
CB2 Mastercard 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 Mastercard?
The customer service number for CB2 Mastercard is (866) 226-5638.
What is the support contact email for CB2 Mastercard?
The support contact email for CB2 Mastercard is customer.service@mail.synchronybank.com.
How do people rate the customer service and user experience of CB2 Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does CB2 Mastercard report your account activity to credit bureaus?
Yes, CB2 Mastercard 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 Mastercard 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 Mastercard
- Visit the website of CB2 Mastercard.
- 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 Mastercard 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 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, 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.
^Learn more about Mastercard Benefits at: www.mastercard.us/synchronyCoreGTB
The CB2 Mastercard® is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
View CB2 Mastercard's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.
Message from CB2 Mastercard
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
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Other Credit Cards from Synchrony Bank
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
25.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
27.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
400 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Purchase APR
Up to 29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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CB2 Mastercard Community Reviews
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