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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) 16.99% - 24.99%
Balance Transfer APR  (Variable APR) 28.99%
Credit Score Range 650 - 850
Annual Fee $0

Coldwater Creek Mastercard Review

This is a store rewards 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
  • Competitive APRs. Coldwater Creek Mastercard has a variable 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.
  • 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 your credit score is above 650.
Pros & Cons of Coldwater Creek Mastercard
The Good The Bad
  • No annual fee.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Coldwater Creek Mastercard is accepted.
  • Does not offer a signup bonus.
  • 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?

Coldwater Creek Mastercard is a rewards card.

Coldwater Creek Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

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 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?

The following fees apply:

Coldwater Creek Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $40
Late Payment Fee $40

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

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

What is the support contact email for Coldwater Creek Mastercard?

The support contact email for Coldwater Creek Mastercard is webmaster@comenity.net.

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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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

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $2
Returned Payment Fee $40
Late Fee Amount $40
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
Cash Advance APR (Variable APR) 26.99%
Balance Computation "daily balance (including current transactions)."
Purchase APR (Variable APR) 16.99% - 24.99%
Balance Transfer APR (Variable APR) 28.99%
Balance Transfer Fee % 28.99%
Card Type
  • Rewards
  • Balance Transfer
  • 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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