Coldwater Creek Mastercard Reviews (Oct. 2020) | Personal Credit Cards

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

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

View all personal credit cards offered by Comenity

View Comenity Profile

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

Coldwater Creek Mastercard Community Reviews

Would you recommend Coldwater Creek Mastercard to your friends?

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 - 850 850 300 650

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

Card Type	Rewards Balance Transfer Cashback Store Card Bonus Offers Gas
Card Network	Mastercard

Compare All Personal Credit Cards

Coldwater Creek Mastercard

in Personal Credit Cards from Comenity