| Rewards | 10% back in “Reward Dollars” at Crate & Barrel, CB2, Crate & Kids, and Hudson Grace 4% back at home retailers and grocery stores 1% back on all other purchase |
|---|---|
| Signup Bonus | $50 in Reward Dollars after spending $1,000 outside the brand stores within the first 90 days of account opening |
| Annual Fee | There is no annual fee for the Crate and Barrel Credit Card. |
| Cardmember Agreement | View Here |
| Cash Advance APR | About 36.00% variable |
| Cash Advance Fee | 5% of the amount or $10 minimum, whichever is greater. |
| Late Payment Fee | Up to $35 |
| Purchases APR | 19.74% – 33.24% variable depending on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Crate & Barrel Credit Card is best known for its strong store rewards on home purchases. It has no annual fee and offers 10% back in Reward Dollars at Crate & Barrel brands, plus smaller rewards on groceries and everyday spending. It’s clearly designed for loyal shoppers who frequently buy furniture or home décor.
Most users say the 10% store rewards are the biggest draw, especially when furnishing a new home or making large purchases. Many reviewers also like the occasional financing offers for big-ticket items and the fact that the card has no annual fee, which makes it easy to keep long-term if you shop there regularly.
On the downside, many reviewers mention that the rewards are limited to store credit, not cash back. Some users also complain about the high APR and say the card’s rewards outside the brand stores aren’t particularly competitive compared with general cash-back cards.
Personally, I think this card makes sense only if you’re a frequent Crate & Barrel shopper or planning a big home purchase. If you want flexible rewards or better everyday earnings, a flat 2% cash-back card will usually offer more value.
RATE THIS CREDIT CARD
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More hassle than it's worth
I thought this card would make shopping easier, but the rewards are limited and store only. Billing can get confusing, and the customer service didn't help clarify charges. I rarely use it now.
