Crate & Barrel Visa® Credit Card

BreadFinance Visa Pending

Back Apply Now

8

Benefits

3

Reward Categories

10x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: crate-and-barrel-credit-card

Issuer: BreadFinance

Card Name: Crate & Barrel Visa® Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:05

Last Scraped: Feb 07, 2026 03:53

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents, including a Military Annual Percentage Rate (MAPR) cap of 36 percent. This rate includes costs associated with credit insurance premiums, fees for ancillary products, and certain application/participation fees.

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Crate & Barrel & CB2 First Day Purchases 10x Cash Back Earn 10% back in Reward Dollars on your first day of purchases at Crate & Barrel and CB2 when you open and use your new Crate & Barrel Credit Card or Crate & Barrel Mastercard. No Cap
Crate & Barrel & CB2 Purchases 2x Cash Back Earn 2% back in Reward Dollars on purchases at Crate & Barrel and CB2 with either the Crate & Barrel Credit Card or Crate & Barrel Mastercard. No Cap
All Other Purchases 1x Cash Back Earn 1% back in Reward Dollars on purchases everywhere else Mastercard is accepted with the Crate & Barrel Mastercard. No Cap
Rewards Summary
PENDING

Reward Type: Points

Bonus Rate: 10x

Categories: Crate & Barrel and CB2 purchases

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as your account is open and in good standing. Rewards Certificates expire 90 days after issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards are only redeemable at Crate & Barrel and CB2 stores and online. Minimum redemption amount applies (e.g., $20 reward certificate).

Benefits & Protections (Detailed) 8 Total
PENDING
Financial 3
First Day Special Financing Offer
Special financing

New cardmembers can choose special financing on their first day of qualifying purchases at Crate & Barrel, CB2, and Hudson Grace, as an alternative to the 10% back in Rewards Dollars.

No Annual Fee
$0 annual fee

There is no annual fee for maintaining the Crate & Barrel Credit Card account.

Ongoing Special Financing Offers
Special financing offers

Cardmembers may receive special financing offers on qualifying purchases at Crate & Barrel, CB2, and Hudson Grace throughout the year.

Lifestyle 1
Invitations to Private Events
Event invitations

Cardmembers may receive invitations to private events hosted by Crate & Barrel, CB2, and Hudson Grace.

Rewards 3
First Day Rewards Dollars
10% back in Rewards Dollars

New cardmembers earn 10% back in Rewards Dollars on their first day of purchases at Crate & Barrel, CB2, and Hudson Grace. This is an introductory offer.

Ongoing Store Rewards Dollars
2% back in Rewards Dollars

Earn 2% back in Rewards Dollars on all purchases made at Crate & Barrel, CB2, and Hudson Grace.

Mastercard Everyday Rewards Dollars
1% back in Rewards Dollars

Earn 1% back in Rewards Dollars on purchases made everywhere else Mastercard is accepted. This benefit applies only to the Crate & Barrel Mastercard.

Shopping 1
Early Access to Sales
Early access

Cardmembers receive early access to sales events at Crate & Barrel, CB2, and Hudson Grace.

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
Year 1 Waived: No
Effective Annual Fee: $0.00
Penalty APR: 32.24%
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: 29.99% - 29.99%

Cash Advance APR: 29.99%

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 the promotional period. Minimum monthly payments are required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 720
Fair
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Crate & Barrel Credit Card (2026) requires applicants to be 18+ years old (19+ in AL/NE), a US resident with a valid SSN/ITIN, and meet BreadFinance's creditworthiness criteria. Approval is subject to credit history review. The card typically offers an initial sign-up bonus, such as a percentage off the first purchase at Crate & Barrel or CB2, and ongoing rewards (e.g., 10% back in rewards at Crate & Barrel/CB2, 2% back on groceries/gas, 1% everywhere else). Store-specific restrictions apply to reward redemption and promotional offers.

Max Cards Per Issuer: 5

Min Spend Interval: N/A (initial discount applies immediately; spend-based bonuses are rare but would typically be 3 months)

Shutdown Risk Triggers: Missed payments, high credit utilization across BreadFinance accounts, suspected fraudulent activity, significant changes in credit profile, or exceeding internal cumulative credit limits with BreadFinance. While less common for store cards, excessive returns or unusual spending patterns could also trigger review.

Cliff Effect Rules: Generally, only one Crate & Barrel credit card account is permitted per individual. There are no complex 'family' rules restricting applications for other BreadFinance-issued store cards, though overall credit exposure and individual credit profile are considered for each new application.

Special Events: Exclusive cardholder-only sales events, double/bonus rewards days on specific categories or during promotional periods, early access to new product launches, and special financing offers on qualifying purchases.

Holiday Promos: Black Friday/Cyber Monday, Memorial Day, Labor Day, 4th of July, Friends & Family events, and seasonal sales (e.g., Spring, Fall, Winter).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Good for frequent Crate & Barrel shoppers, offers exclusive discounts and rewards, relatively easy approval process.

Top Negative:
High APR, limited utility outside Crate & Barrel, frequent complaints about customer service and account management.

Approval Experience: 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

Approval Probability: 80.0%

Version Control
PENDING

Version ID: October 2023