Crate & Barrel Mastercard

Crate & Barrel Mastercard

in Personal Credit Cards from Synchrony Bank


Crate & Barrel Mastercard


in Personal Credit Cards from Synchrony Bank

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Purchase APR  (Variable APR) 26.74%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

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 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 & Cons
The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Cardholders can earn rewards on purchases everywhere Crate & Barrel Mastercard is accepted.
  • 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 & Barrel Mastercard FAQ

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 Spend Requirement $0

Does Crate & Barrel Mastercard have a signup bonus?

Crate & Barrel Mastercard doesn't offer a cash signup bonus.

Does Crate & Barrel Mastercard offer an annual loyalty bonus?

Crate & Barrel Mastercard doesn't offer a cash loyalty bonus.

What are the Crate & Barrel Mastercard benefits?

Crate & Barrel Mastercard provides the following benefits:

  • 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 have a foreign transaction fee?

Crate & Barrel 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.

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

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 & 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.

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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.


  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 Minimum $10
Cash Advance Fee (%) 29.99%
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee $27
Late Fee Amount $38
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
Credit Bureau Reporting
  • Experian
  • Equifax
Credit Card Benefits
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Purchase Protection
Rewards Categories
  • Every Purchase
  • Groceries
  • Retail
Balance Computation Daily Balance
Purchase APR (Variable APR) 26.74%
Card Type
  • Rewards
  • Bonus Offers
  • Charge Card
Card Network Mastercard

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