Crate & Barrel Credit Card
Basic Information
Program ID: crate-and-barrel-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:05
Last Scraped: 01/15/2026 10:40
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Bonus rewards are typically awarded within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Rewards Dollars
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Rewards Dollars per $1 spent at Crate & Barrel, CB2, and Hudson Grace stores and online. 1x Rewards Dollar per $1 spent on all other purchases (for the Crate & Barrel Mastercard version).
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards Dollars expire 12 months after they are earned. Reward certificates issued from earned Rewards Dollars expire 90 days after issuance.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Crate & Barrel Credit Card, issued by BreadFinance, is primarily a store-specific card. Eligibility for 2026 requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet BreadFinance's creditworthiness criteria, typically requiring good to excellent credit. The primary bonus structure for new cardholders often includes a percentage back in rewards on Crate & Barrel, CB2, and Hudson Grace purchases, or a one-time discount on the first purchase made within a specified period (e.g., 10% off first purchase). Ongoing benefits usually involve earning rewards points for purchases at Crate & Barrel family brands, which can be redeemed for store credit or discounts. Special financing offers on larger purchases are also common.
Maximum Cards Per Issuer: 8
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Defaulting on payments, excessive returns, unusual spending patterns inconsistent with typical retail behavior, suspected fraud, or accumulating a high cumulative credit limit across multiple BreadFinance-issued cards without corresponding income/asset verification.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Good for frequent Crate & Barrel shoppers, offers exclusive discounts and rewards, relatively easy approval process.
Top Negative Feedback:
High APR, limited utility outside Crate & Barrel, frequent complaints about customer service and account management.
Approval Experience Score: 72.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Amazon Prime Rewards Visa Signature Card
- Discover it Cash Back
Card Value Score: 68.0 / 100
Est. Annual Rewards: $200.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 40% Store / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v2023-10