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  Coldwater Creek Mastercard

Coldwater Creek Mastercard

in Personal Credit Cards from Comenity

Unaffiliated

Coldwater Creek Mastercard

Unaffiliated

in Personal Credit Cards from Comenity

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 19.99% - 26.99%
Balance Transfer APR  (Variable APR) 28.99%
Credit Score Range 650 - 850
Annual Fee $0

Coldwater Creek Mastercard Review

This is a store cashback credit card issued by Comenity. If you're wondering whether Coldwater Creek Mastercard is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.99% up to 26.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Coldwater Creek Mastercard
The Good The Bad
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere Coldwater Creek Mastercard is accepted.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Does not report to credit bureaus.
  • Charges a 28.99% balance transfer fee.
  • Does not include many credit card benefits.
Coldwater Creek Mastercard FAQ

Does Coldwater Creek Mastercard 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.

Coldwater Creek Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus Spend Requirement $0

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR that ranges from 19.99% up to 26.99%. The card has a variable balance transfer APR of 28.99% . It also has a variable cash advance APR of 28.99% .

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?

The following fees apply:

Coldwater Creek Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $38
Late Payment Fee $38

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

Does Coldwater Creek Mastercard have a foreign transaction fee?

Coldwater Creek Mastercard charges a foreign transaction fee of 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 Coldwater Creek Mastercard?

The Coldwater Creek Mastercard customer service number is (855) 796-9632.

How do people rate the customer service and user experience of Coldwater Creek Mastercard?

Overall, Coldwater Creek Mastercard is strongly not recommended based on community reviews that rate customer service and user experience.

How to apply for Coldwater Creek Mastercard

  • Visit the Coldwater Creek Mastercard website.
  • 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.

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.

Contact

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

Other Services by Comenity

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View all personal credit cards offered by Comenity

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee (%) 28.99%
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee $38
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
Cash Advance APR (Variable APR) 28.99%
Balance Computation Daily Balance
Purchase APR (Variable APR) 19.99% - 26.99%
Balance Transfer APR (Variable APR) 28.99%
Balance Transfer Fee % 28.99%
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Gas
  • Rewards
  • Store Card
Card Network Mastercard

Coldwater Creek Mastercard Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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