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  Crate & Barrel Mastercard

Crate & Barrel Mastercard

in Personal Credit Cards from Synchrony Bank

Claimed

Crate & Barrel Mastercard

Claimed

in Personal Credit Cards from Synchrony Bank

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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0 users recommend
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1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 24.74%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

Crate & Barrel Mastercard Review

This is a store cashback credit card issued by Synchrony Bank. If you're wondering whether Crate and Barrel credit card 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
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 24.74%
  • 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.
  • 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 will have good approval odds if your credit score is above 650.
Pros & Cons of Crate and Barrel credit card
The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Crate & Barrel Mastercard reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
Crate and Barrel credit card FAQ

Does Crate and Barrel credit card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the Crate and Barrel credit card benefits?

It provides the following benefits:

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

What are the relevant APRs for Crate and Barrel credit card?

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 of 24.74%. It also has a variable cash advance APR of 29.99% .

Does Crate and Barrel credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Crate and Barrel credit card 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 Crate and Barrel credit card?

The following fees apply:

Crate and Barrel credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $29
Late Payment Fee up to $40

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

Does Crate and Barrel credit card have a foreign transaction fee?

Crate and Barrel credit card 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 Crate and Barrel credit card?

The Crate and Barrel credit card customer service number is (866) 226-5638.

What is the support contact email for Crate and Barrel credit card?

The support contact email for Crate and Barrel credit card is customer.service@mail.synchronybank.com.

How do people rate the customer service and user experience of Crate and Barrel credit card?

Overall, Crate and Barrel credit card is strongly not recommended based on community reviews that rate customer service and user experience.

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

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

  • Equifax
  • Experian
  • Transunion

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

How to apply for Crate and Barrel credit card

  • Visit the Crate and Barrel credit card 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.

Message From Crate & Barrel Mastercard

We’ve built relationships with national and regional retailers, healthcare providers, manufacturers and more. We serve hundreds of thousands of partner locations across the U.S. and Canada, and each one is important to us. Our financial expertise spans key product areas, including apparel, electronics and appliances, home furnishings, automotive, power products and sports, jewelry and luxury, other retail, elective healthcare procedures and services, and more. Our investments in technology across multiple platforms—in-store, online and mobile—allow us to engage consumers when and where they want. Our programs and tools strengthen the relationship between our business partners and their customers, driving growth and opportunity across the board.

Earn reward dollars or receive special financing when you shop at Crate and Barrel or CB2. The Crate and Barrel Credit Card and Mastercard have no annual fee. The Crate and Barrel Mastercard also offers extended warranty, price protection, and id theft protection. The Crate and Barrel Credit Card can be used to make purchases at Crate and Barrel and CB2 brand catalogs, stores, or websites - crateandbarrel.com and cb2.com - located in the United States. Additionally, the Crate and Barrel Mastercard can be used anywhere Mastercard is accepted.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee $29
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
Rewards Categories
  • Cash Back on Retail
  • 2% Cash Back on Groceries
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 29.99%
Balance Computation Daily Balance
Purchase APR (Variable APR) 24.74%
Card Type
  • Cashback
  • Store Card
Card Network Mastercard

Crate & Barrel 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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