11
Benefits2
Reward Categories5x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: coldwater-creek-credit-card
Issuer: BreadFinance
Card Name: Coldwater Creek Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Federal law limits the cost of credit for members of the Armed Forces and their dependents to an annual percentage rate of 36 percent. This rate includes costs associated with credit insurance, ancillary products, and certain application/participation fees. Call 1-866-834-3791 for details.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Coldwater Creek Purchases | 5x | Points | Eligible purchases at Coldwater Creek stores, online at coldwatercreek.com, or by phone. | No Cap | |
| All Other Purchases | 1x | Points | Eligible purchases everywhere else Visa credit cards are accepted. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 11 Total
PENDINGLifestyle 2
Annual Birthday Offer
VariesReceive a special birthday offer each year, sent via email or mail. The offer is valid for a limited time and may be subject to additional terms and conditions.
Premier Status Annual Anniversary Offer
VariesCardmembers with Premier Status receive a special anniversary offer each year.
Shopping 8
Base Points Earning on Coldwater Creek Purchases
2 points per $1Earn 2 points for every $1 spent on eligible purchases made with your Coldwater Creek Credit Card at Coldwater Creek.
Base Points Earning on Purchases Outside Coldwater Creek
1 point per $1Earn 1 point for every $1 spent on eligible purchases made with your Coldwater Creek Credit Card outside of Coldwater Creek.
Rewards Certificate Redemption
$10 per 200 pointsFor every 200 points earned, you will receive a $10 Coldwater Creek Rewards Certificate. Certificates are issued in $10 increments and expire 90 days from the date of issuance.
Exclusive Cardmember Offers
VariesReceive exclusive offers throughout the year, which may include special discounts, promotions, and early access to sales.
Premier Status Enhanced Points Earning on Coldwater Creek Purchases
3 points per $1Cardmembers with Premier Status earn 3 points for every $1 spent on eligible purchases made with their Coldwater Creek Credit Card at Coldwater Creek.
Premier Status Free Standard Shipping
Free standard shippingCardmembers with Premier Status receive free standard shipping on all purchases made at Coldwater Creek with their Coldwater Creek Credit Card.
Premier Status Early Access to Sales and Promotions
Early accessCardmembers with Premier Status receive early access to sales and promotions.
Exclusive Premier Cardmember Offers
VariesCardmembers with Premier Status receive exclusive offers tailored for Premier Cardmembers.
Status Benefits 1
Coldwater Creek Premier Status Eligibility
Spend $500 annually at Coldwater CreekAchieve Premier Status when you spend $500 or more in Net Eligible Purchases at Coldwater Creek within a 12-month period.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Year 1 Waived: | No |
| Effective Annual 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
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility: Applicants must be 18+ years old, a US resident, possess a valid SSN/ITIN, and pass a credit check. Application is typically online or in-store. Bonus Rule: For 2026, expect an initial discount (e.g., 20% off first purchase) upon account opening and ongoing rewards (e.g., 5 points per $1 spent at Coldwater Creek, redeemable for store credit) for cardholders. There are generally no complex spend-based bonus tiers common with general-purpose credit cards.
Max Cards Per Issuer: 5
Min Spend Interval: N/A for initial discount; ongoing for rewards accumulation.
Cliff Effect Rules: Not applicable; store-specific credit cards from BreadFinance generally operate independently without complex family rules or restrictions based on other BreadFinance store cards.
Special Events: Exclusive cardholder-only sales events, double/triple points days on specific categories or dates, early access to new collections, and annual birthday discounts or special offers.
Holiday Promos: Significant promotional offers and enhanced rewards during major retail holidays such as Black Friday, Cyber Monday, Christmas, Mother's Day, Valentine's Day, and seasonal clearance events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy approval process, good for building credit, occasional store discounts and loyalty rewards for frequent Coldwater Creek shoppers.
Top Negative:
High interest rates, poor customer service from Comenity, limited rewards outside the store, issues with online account management, frequent credit limit reductions.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Secured Card
- Discover it® Secured Credit Card
- Amazon Store Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $40.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0