16
Benefits4
Reward Categories10x
Max Reward32%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Crate & Barrel Family Brands | 10x | Cash Back | Purchases at Crate & Barrel, CB2, and Hudson Grace (applies to both Crate & Barrel Credit Card and Crate & Barrel Mastercard). | No Cap | |
| Groceries | 2x | Cash Back | Purchases at grocery stores (Crate & Barrel Mastercard only). | No Cap | |
| Gas | 2x | Cash Back | Purchases at gas stations (Crate & Barrel Mastercard only). | No Cap | |
| All Other Purchases | 1x | Cash Back | All other qualifying purchases everywhere Mastercard is accepted (Crate & Barrel Mastercard only). | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 16 Total
PENDINGFinancial 1
No Annual Fee
No annual feeNeither the Crate & Barrel Credit Card nor the Crate & Barrel Mastercard charges an annual fee.
Lifestyle 3
Complimentary Design Services
Access to complimentary design services from Crate & Barrel when using your Crate & Barrel Credit Card or Crate & Barrel Mastercard.
Early Access to Sales and Events
Receive early access to sales and special events as a Crate & Barrel Credit Card or Crate & Barrel Mastercard cardmember.
Priceless® Cities Access
Access to unique experiences and offers in cities around the world through Priceless® Cities. This benefit is exclusive to the Crate & Barrel Mastercard.
Purchase Protection 2
Extended Warranty
Up to 1 additional yearDoubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases made with your Crate & Barrel Mastercard.
Purchase Assurance
Up to $1,000 per claim, $50,000 per cardholder per yearCovers eligible new purchases against damage or theft for 90 days from the date of purchase when made with your Crate & Barrel Mastercard.
Rewards Earning 3
First Day Rewards Bonus
10% backEarn 10% back in Rewards Dollars on your first day of purchases when you open and use your Crate & Barrel Credit Card or Crate & Barrel Mastercard.
Crate & Barrel Brand Purchases Rewards
2% backEarn 2% back in Rewards Dollars on purchases at Crate & Barrel, CB2, and Hudson Grace when using your Crate & Barrel Credit Card or Crate & Barrel Mastercard.
Everywhere Else Purchases Rewards
1% backEarn 1% back in Rewards Dollars on purchases everywhere else Mastercard is accepted. This benefit is exclusive to the Crate & Barrel Mastercard.
Security 3
Mastercard ID Theft Protection™
Monitors your identity and alerts you to suspicious activity. If you become a victim, you'll have access to a team of identity theft resolution specialists. This benefit is exclusive to the Crate & Barrel Mastercard.
Mastercard Global Service™
24/7 assistanceProvides 24/7 assistance with lost or stolen cards, emergency card replacement, and emergency cash advances. This benefit is exclusive to the Crate & Barrel Mastercard.
Zero Liability Protection
Protects you from unauthorized purchases if your Crate & Barrel Mastercard is lost or stolen.
Shopping 3
Special Financing Offers
Access to special financing offers on eligible purchases when using your Crate & Barrel Credit Card or Crate & Barrel Mastercard.
Exclusive Cardmember Offers
Receive exclusive offers available only to Crate & Barrel Credit Card and Crate & Barrel Mastercard cardmembers.
Free Standard Shipping
Free shipping on $99+ purchasesReceive free standard shipping on eligible purchases of $99 or more when you use your Crate & Barrel Credit Card or Crate & Barrel Mastercard.
Travel 1
Mastercard Airport Concierge™ Discount
15% savingsArrange for a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival, or any connecting flights at over 700 airports worldwide, with a 15% savings. This benefit is exclusive to the Crate & Barrel Mastercard.
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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 31.99% - 31.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility Requirements: Applicants must be 18 years or older, a US resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria. Applicants are generally not eligible if they have defaulted on a previous Synchrony account or are currently in bankruptcy. Bonus Rule: New cardholders receive a 10% discount on their first Crate & Barrel purchase made within 30 days of account opening, up to a maximum discount of $100. Additionally, cardholders earn 5% back in rewards on all Crate & Barrel purchases, redeemable for future Crate & Barrel store credit.
Max Cards Per Issuer: 6
Min Spend Interval: 3 months
Cliff Effect Rules: Cardholders are generally not eligible to receive the welcome bonus if they have previously held this specific Crate & Barrel credit card within the last 24 months.
Special Events: Exclusive cardholder-only sales events, double/triple rewards points days, special financing offers (e.g., 0% APR for 12-24 months on qualifying purchases), and personalized birthday discounts.
Holiday Promos: Black Friday/Cyber Monday week, entire December holiday season, Memorial Day, Labor Day, 4th of July, and other major US retail holidays.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Excellent rewards on Crate & Barrel/CB2 purchases, special financing options for large purchases, and exclusive cardholder offers are highly valued by frequent shoppers.
Top Negative:
Limited utility outside of Crate & Barrel/CB2, high standard APR, and occasional complaints about Synchrony Bank's customer service are common concerns.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Rewards
- Amazon Prime Rewards Visa Signature Card
- Target RedCard
Card Value Score: 65.0 / 100
Est. Annual Rewards: $150.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v2023-10-26