Overview

Who is this credit card designed for?

Crate & Barrel Mastercard is a a charge card issued by Synchrony Bank, which is based in Draper, UT. 

Crate & Barrel Mastercard is designed for people with a credit score of 650 to 850. It's perfect for consumers looking for a card without an annual fee. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks.

What are the relevant APRs?

Is an introductory APR offer available?

No, Crate & Barrel Mastercard does not come with an introductory APR offer for balance transfers.

Crate & Barrel Mastercard does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to Crate & Barrel Mastercard:

• There is no annual fee.
• A late payment penalty of up to $38.
• Crate & Barrel Mastercard does not charge a returned payment fee.
• A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

Crate & Barrel Mastercard offers a rewards program to its customers. This card features rewards for purchases in the following categories:

• Every Purchase
• Groceries
• Retail

Is a signup bonus offered?

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

Is an annual loyalty bonus offered?

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

What additional benefits are offered?

 Crate & Barrel Mastercard provides the following benefits:

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.