CB2 Mastercard®

Synchrony Mastercard Pending

Back Apply Now

0

Benefits

2

Reward Categories

2x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: cb2-mastercard

Issuer: Synchrony

Card Name: CB2 Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 17:39

Last Scraped: Feb 16, 2026 17:41

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
CB2 & The Land of Nod Purchases 2x Cash Back Purchases made at CB2 and The Land of Nod stores or online. No Cap
All Other Purchases 1x Cash Back Purchases made everywhere else Mastercard is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 720
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the cb2-mastercard requires applicants to be at least 18 years of age, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), maintain a U.S. physical address, and meet Synchrony's creditworthiness criteria. Bonus Rule for 2026: Earn a $50 statement credit after spending $500 outside of CB2 within the first 90 days of account opening. Additionally, receive 10% off your first CB2 purchase made with the card. Ongoing rewards include 5% back on CB2 purchases, 2% back on dining and groceries, and 1% back on all other eligible purchases. Rewards are typically issued as statement credits or CB2 gift cards. Application rules are subject to Synchrony's standard credit approval process, and store-specific restrictions may apply to certain offers and reward redemptions.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, excessive credit limit increase requests without corresponding income, frequent balance transfers without repayment, opening multiple new Synchrony accounts in a short period, suspected fraudulent activity, consistent late payments or returned payments.

Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' rules that prevent bonus eligibility based on prior card ownership like some major issuers. However, approval for new credit cards and credit limit increases are subject to an overall assessment of the applicant's total credit exposure with Synchrony and their recent application history across all Synchrony products.

Special Events: Exclusive cardholder discounts during major seasonal sales (e.g., Spring Refresh, Fall Collection launch), double rewards points days on CB2 purchases, early access to new product lines, and special financing offers on large CB2 purchases.

Holiday Promos: Black Friday/Cyber Monday (late November), Christmas/Holiday Season (December), New Year's Sales (January), Presidents' Day (February), Memorial Day (May), Fourth of July (July), Labor Day (September), Mother's Day (May), Father's Day (June).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Excellent rewards (10% back) for frequent CB2/Crate & Barrel shoppers; special financing options available; widely accepted as a Mastercard; relatively easy approval process.

Top Negative:
High APR; frequent complaints about Synchrony Bank customer service; rewards dollars can expire; limited value if not a regular CB2/Crate & Barrel customer.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Crate & Barrel Mastercard
  • Capital One SavorOne Cash Rewards Credit Card
  • Amazon Prime Rewards Visa Signature Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $265.00

Approval Probability: 78.0%

Version Control
PENDING

Version ID: October 1, 2023

Last Updated: Oct 01, 2023 00:00