Coldwater Creek Mastercard Review

Coldwater Creek Mastercard 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 is everything you need to know to make a good choice.

• 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 rewards card. It gives you rewards 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 up to 28.99% on balance transfers. For example, a balance of $1,000 could cost up to $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 stand a chance of qualifying if your credit score is not below 650.

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.

Is there a Coldwater Creek Mastercard cash back or rewards program?

Coldwater Creek Mastercard is a cashback card. This means you earn a percentage of your purchase as a cash reward.

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

What are the Coldwater Creek Mastercard benefits?

Coldwater Creek Mastercard provides the following benefits:

What are the relevant APRs for Coldwater Creek Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Coldwater Creek Mastercard has higher than average purchase APRs.

Coldwater Creek Mastercard 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% .

What are the fees for Coldwater Creek Mastercard?

The following fees apply to Coldwater Creek Mastercard:

Coldwater Creek Mastercard Fees

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

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.