Coldwater Creek Mastercard
in Personal Credit Cards from Comenity
Would you recommend Coldwater Creek Mastercard to your friends?
| 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.
- 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.
| The Good | The Bad |
|---|---|
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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.
| 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:
| 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.
Contact
- Headquarters
-
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020 USA - (855) 796-9632
- Visit Site
Other Services by Comenity
Availability
- 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
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- New Hampshire
- New Jersey
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- 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?
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