Last Updated: 07/28/2025
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Crate & Barrel Mastercard Review
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 10x.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 33.99%
- 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 up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Crate & Barrel Mastercard
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Crate & Barrel Mastercard FAQ
Does Crate & Barrel Mastercard have a cash back or rewards program?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 2 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| In-Store Eligible Purchases | Up to 10 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Crate & Barrel Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does Crate & Barrel Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for Crate & Barrel Mastercard?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Does Crate & Barrel Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Crate & Barrel Mastercard does not offer balance transfers.Does Crate & Barrel 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 Crate & Barrel Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Crate & Barrel Mastercard have a foreign transaction fee?
Crate & Barrel Mastercard charges a foreign transaction fee of up to 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 & Barrel Mastercard?
What is the support contact email for Crate & Barrel Mastercard?
What is the login page for Crate & Barrel Mastercard?
How do people rate the customer service and user experience of Crate & Barrel Mastercard?
Does Crate & Barrel Mastercard report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Synchrony Bank perform a hard credit pull?
How to apply for Crate & Barrel Mastercard
- Visit the website of Crate & Barrel Mastercard.
- 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.
Crate & Barrel Mastercard Disclosure: */**Purchases subject to credit approval. Special financing purchases do not earn Reward Dollars. See crateandbarrel.com/rewards or the Rewards Program Terms for details on earning rewards. *Special financing purchases do not earn Reward Dollars. Cardholders will earn 10% back in Reward Dollars for every $1.00 in net merchandise purchases (minus returns, refunds or credit adjustments) at Crate and Barrel (including Crate & Kids) and CB2 catalogs, stores or websites located in the United States, unless the Special Financing Option is chosen. Accrued Reward Dollars will be posted to your Reward Dollars balance within 1–2 billing cycles from when the purchase is posted to your Account and will automatically be redeemed for Reward Certificates within 1–2 billing cycles when the threshold (currently at 20 Reward Dollars) is met. Reward Certificates are issued in $20 increments with a maximum of 10,000 Reward Dollars being redeemed in any one billing cycle and are valid for 90 days. The full amount of the Reward Certificate must be used at time of redemption (any remaining amount not used is forfeited). Reward Certificates may not be combined with any other discount (including associate discounts), except as otherwise provided. Rewards Terms and Conditions apply. See the Rewards Program Terms for details. **No Interest If Paid In Full Within 6, 12 or 24 months on qualifying purchases in store or online at Crate & Barrel or CB2 with your Crate & Barrel Credit Card or Mastercard. 6 months on purchases of $749-$1,498.99 or 12 months on purchases of $1,499–$2,998.99 or 24 months on purchases of $2,999 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promo period. Minimum monthly payments required. Qualifying purchase amount must be on one receipt. Special Financing purchases do not earn Reward Dollars. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The promo balance is equal to the promo purchase amount and any related optional debt cancellation fees. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. **/^^New Accounts as of 1/1/2025: Variable Purchase APR 33.99%. Variable Penalty APR 39.99%. Min Interest Charge $2. Crate & Barrel Mastercard: Variable Cash APR 36.99% and 5% Fee ($10 min). Foreign Trans Fee 3%. Existing cardholders: See your credit card agreement terms. ^Learn more about Mastercard Benefits at: www.mastercard.us/synchronyCoreGTB The Crate & Barrel Mastercard® is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
View Crate & Barrel Mastercard's published terms & conditions
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