Crate & Barrel Mastercard Review

If you're wondering whether Crate & Barrel 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 of 26.74%
• 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.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, purchase protection, and fraud protection.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

Crate & Barrel Mastercard Pros and Cons:

The Good	The Bad
No annual fee. Multiple credit card perks. Extended warranty on purchases. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Crate & Barrel Mastercard reports to multiple credit bureaus. 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%.

Is there a Crate & Barrel Mastercard cash back or rewards program?

Crate & Barrel Mastercard offers a rewards program to its customers.

Crate & Barrel 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

What are the Crate & Barrel Mastercard benefits?

Crate & Barrel Mastercard provides the following benefits:

• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Crate & Barrel Mastercard?

Crate & Barrel Mastercard is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.

What are the fees for Crate & Barrel Mastercard?

The following fees apply to Crate & Barrel Mastercard:

Crate & Barrel Mastercard Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	$27
Late Payment Fee	$38

Does Crate & Barrel Mastercard report your account activity to credit bureaus?

Crate & Barrel Mastercard reports your account activity to the following credit reporting agencies:

• Equifax
• Experian

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Crate & Barrel Mastercard

• Visit the Crate & Barrel 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.