Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.99% - 24.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
28.99%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Coldwater Creek Mastercard Review
This is a store rewards card issued by Comenity Bank. If you're wondering whether Coldwater Creek Mastercard is the right card for you, read on.
Key Takeaways
- APRs: Coldwater Creek Mastercard has a variable regular purchase APR that ranges from 16.99% up to 24.99%.
- 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.
- A 28.99% balance transfer fee. Coldwater Creek Mastercard charges a fee of 28.99% on balance transfers. For example, a balance of $1,000 could cost $289.9 in transfer fees.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Coldwater Creek Mastercard
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Coldwater Creek Mastercard FAQ
Does Coldwater Creek Mastercard have a cash back or rewards program?
Coldwater Creek Mastercard is a rewards card.
| Description |
Does Coldwater Creek Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does Coldwater Creek Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Coldwater Creek Mastercard benefits?
Coldwater Creek Mastercard provides the following benefits:
- Zero fraud liability
What are the relevant APRs for Coldwater Creek 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 lower than average regular APRs.Coldwater Creek Mastercard has a variable purchase APR that ranges from 16.99% up to 24.99%. The card has a variable balance transfer APR of 28.99% . It also has a variable cash advance APR of 26.99% .
Does Coldwater Creek Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Coldwater Creek 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 Coldwater Creek Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee of up to $40 . Does Coldwater Creek Mastercard have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Coldwater Creek Mastercard?
The customer service number for Coldwater Creek Mastercard is (185) 579-69632.
What is the login page for Coldwater Creek Mastercard?
You can access the login page of Coldwater Creek Mastercard here.
How do people rate the customer service and user experience of Coldwater Creek Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Comenity Bank perform a hard credit pull?
Yes, Coldwater Creek 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 Coldwater Creek Mastercard
- Visit the website of Coldwater Creek 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.
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Hours of Operation
Sunday
9:00AM - 5:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
9:00AM - 5:00PM