7
Benefits3
Reward Categories10x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Crate & Barrel, CB2, and Hudson Grace Purchases | 10x | Cash Back | Purchases made at Crate & Barrel, CB2, and Hudson Grace stores or online. | No Cap | |
| Groceries | 2x | Cash Back | Purchases made at grocery stores. | No Cap | |
| All Other Purchases | 1x | Cash Back | All other purchases everywhere Mastercard is accepted, not falling into higher earning categories. | No Cap |
Rewards Summary
PENDINGReward Type: Reward Dollars
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x at Crate & Barrel, CB2, and Hudson Grace; 2x at grocery stores
Quarterly Rotating: No
Expiration Policy: Reward Dollars expire 90 days after issuance.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Reward Dollars are redeemable only at Crate & Barrel, CB2, and Hudson Grace stores and online. Minimum redemption of $10 Reward Dollars. Reward Dollars cannot be used for gift cards or certain services.
Benefits & Protections (Detailed) 7 Total
PENDINGFinancial 2
No Annual Fee
No annual feeThe Crate & Barrel Mastercard does not charge an annual fee for card membership.
Special Financing Offers
Varies by offerCardmembers may be eligible for special financing offers on qualifying purchases, such as 0% APR for a specified period on purchases above a certain amount. Specific offers vary.
Shopping 5
Accelerated Rewards Earning (Crate & Barrel Family)
10% back in Reward DollarsCardmembers earn 10% back in Reward Dollars on eligible purchases made at Crate & Barrel, CB2, and Hudson Grace stores or online.
Accelerated Rewards Earning (Grocery)
2% back in Reward DollarsCardmembers earn 2% back in Reward Dollars on eligible grocery store purchases.
Standard Rewards Earning (Everywhere Else)
1% back in Reward DollarsCardmembers earn 1% back in Reward Dollars on all other eligible purchases made where Mastercard is accepted.
Reward Dollar Redemption
$20 Reward Dollars for every $200 spentFor every $200 spent in eligible purchases, cardmembers receive $20 in Reward Dollars. Reward Dollars can be redeemed at Crate & Barrel, CB2, and Hudson Grace.
Exclusive Cardmember Offers
Varies by offerCardmembers receive access to exclusive promotions, discounts, and special offers available only to Crate & Barrel Mastercard holders.
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 |
| Authorized User Fee: | $0.00 |
| 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: 21.24% - 31.24%
Cash Advance APR: 31.24%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 24 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility: Applicants must be 18 years or older, a US resident, and possess a valid Social Security Number or ITIN. A good to excellent credit score is generally required for approval of the Mastercard version. Applicants should have no recent bankruptcies or defaults with Synchrony. Bonus Rule: Earn 10% back in rewards at Crate & Barrel and CB2, 2% back on dining and groceries, and 1% back on all other eligible purchases. New cardholders receive a $100 statement credit after spending $1,000 in the first 3 months, plus 20% off their first Crate & Barrel or CB2 purchase made within 30 days of account opening. Store-specific restrictions apply: Rewards are subject to Crate & Barrel and CB2 loyalty program terms and conditions, including redemption minimums and expiration dates. Certain purchases (e.g., gift cards, services, third-party vendors) may be excluded from earning rewards.
Max Cards Per Issuer: 6
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony is sensitive to overall credit exposure. While there isn't a strict 'X/Y' rule like some issuers, new applications may be denied or existing credit limits reduced if the total credit extended across all Synchrony accounts is deemed too high relative to reported income. There may also be velocity restrictions on new applications, typically limiting new Synchrony accounts to no more than 2 within a 6-month period.
Special Events: Cardholders receive exclusive access to Crate & Barrel and CB2 Friends & Family sales, early access to seasonal promotions, member-exclusive product previews, and special financing offers on large purchases during designated periods.
Holiday Promos: Key promotional periods include Black Friday, Cyber Monday, Christmas/New Year, Valentine's Day, Mother's Day, Father's Day, and various seasonal sales (e.g., Spring Refresh, Summer Clearance, Fall Decor).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
High rewards rate for Crate & Barrel purchases, especially during the initial offer. Useful for frequent shoppers of Crate & Barrel, CB2, and Hudson Grace. No annual fee is a plus. Rewards on everyday spending categories like groceries and dining are a good bonus.
Top Negative:
Rewards are store-specific and may not be flexible. Customer service can be inconsistent. High APR if balances are carried. Rewards structure can be confusing for some users.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Pottery Barn Visa
- Chase Freedom Unlimited
- General 0% Intro APR Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $70.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2023-10-26