Crate and Barrel Mastercard®: Enjoy 10% Back Everyday

Our review of the Crate and Barrel Mastercard®

Home décor enthusiasts looking for a credit card that offers great rewards at Crate & Barrel will be pleased with the Crate and Barrel Mastercard®. This retail credit card stands out for its high earning rate on store purchases, allowing cardholders to earn $20 reward vouchers frequently. However, the card lacks immediate practical benefits like free shipping or exclusive discounts.

While the Crate and Barrel Mastercard has no annual fee, it may not offer enough incentives to justify ownership beyond its point-earning potential. Issued by Synchrony Bank, the card comes with a high purchase and cash advance APR and does not allow balance transfers.

Choose How You Save

With the Crate and Barrel Mastercard, cardholders have the flexibility to save and earn rewards at Crate & Barrel, Crate & Kids, and CB2 stores, catalogs, or websites in the United States. Here’s how you can earn rewards with this card:

• 10% in rewards dollars on all Crate & Barrel and CB2 purchases
• 2% back on grocery purchases
• 1% back on all other purchases

The 10% reward rate is well above average compared to other retail credit cards, making it a strong feature of the Crate and Barrel Mastercard. Cardholders can earn $20 in rewards for every $200 spent, ensuring consistent rewards accumulation. However, since there are no bonuses for non-Crate & Barrel purchases, it’s best to use this card exclusively for those transactions.

Reward dollars can be redeemed for reward certificates to reduce the final purchase price. Keep in mind that reward certificates expire 90 days after issuance, while reward dollars expire after 12 months. You’ll need a minimum of 20 reward dollars to redeem them for a $20 Reward Certificate.

Earn Cash Back Rewards or Opt for Promotional Financing

Cardholders can choose between earning cash back rewards or receiving promotional financing on larger purchases. Opting for financing may be beneficial for big-ticket items, but it sacrifices the 10% reward rate, turning the card into a one-time use option.

Mastercard Benefits and Protections

The Crate & Barrel Mastercard comes with EMV chip technology, mobile wallet compatibility, and Mastercard benefits such as zero liability protection, ID theft protection, travel assistance, and travel protection.

Should You Apply for the Crate and Barrel Mastercard?

Overall, the Crate and Barrel Mastercard may not be the most compelling retail card, especially for frequent Crate & Barrel shoppers. Customers seeking more flexible rewards, a better APR, and a signup bonus may want to consider alternatives like the Bank of America® Cash Rewards Credit Card.