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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

-100%

-100% 0% +100%
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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
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Community Rating

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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

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.

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 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.
  • Gas rewards.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Coldwater Creek Mastercard Pros & Cons
The Good The Bad
  • No annual fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Cardholders can earn rewards on their purchases.
  • 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

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 ($) N/A
Signup Bonus Spend Requirement $0

Does Coldwater Creek Mastercard have a signup bonus?

Coldwater Creek Mastercard doesn't offer a cash signup bonus.

Does Coldwater Creek Mastercard offer an annual loyalty bonus?

Coldwater Creek Mastercard doesn't offer a cash loyalty bonus.

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% .

    Does Coldwater Creek Mastercard have an introductory APR offer on balance transfers?

    No, Coldwater Creek Mastercard does not come with an introductory APR offer for balance transfers.

    Does Coldwater Creek Mastercard have an introductory APR offer on new purchases?

    Coldwater Creek Mastercard does not offer an introductory rate on new purchases.
    Coldwater Creek Mastercard Purchase Intro Offer
    Description
    Introductory Rate N/A
    Purchase Intro APR Period (months) N/A

    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

    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 a foreign transaction fee.

    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 you're denied click here to find out why your application may have been rejected and what you can do about it.

    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

    • Headquarters
    •   12921 South Vista Station Boulevard
      Salt Lake County
      Draper, UT 84020 USA
    •   Visit Site

    About Coldwater Creek Mastercard

    Icon for Personal Credit Cards
    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
    • Non-Military
    • Veterans
    • Military Dependent
    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
    Bonus Rewards -20% off your first Coldwater Creek Purchase when you open and use your Coldwater Creek Credit Card. -Earn 5 points for every $1 spend at Coldwater Creek -Receive a $20 Bonus Rewards Certificate when you spend $500 on non-Coldwater Creek purchases within 90 days of opening your account
    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
    • Rewards
    • Balance Transfer
    • Cashback
    • Store Card
    • Bonus Offers
    • Gas
    Card Network Mastercard

    Coldwater Creek Mastercard Community Reviews

     

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    SUPERMONEY NET RECOMMENDATION SCORE

    -100%

    -100% 0% +100%
    No one recommends Everyone recommends

    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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