What kind of store is Crate and Barrel?
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CB2 Store Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The CB2 Store Card. Compare to other cards and apply online in secondsJohn Kiernan
WalletHub
WalletHubCB2 Store Card
CB2 Store Card
Info about CB2 Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
RewardsAPRReviewsQ&AContactRewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
Limited time offer: Earn 20% back in Reward Dollars on Outdoor Furniture purchases at CB2 and Crate & Barrel with CB2 credit card.
Earn 10% back in reward dollars on merchandise purchases at CB2 and Crate and Barrel.
Reward Certificates are issued in $20 increments with a maximum of 10,000 Reward Dollars being redeemed in any one billing cycle and are valid for 90 days.
You can chose to earn reward dollars on purchases or receive everyday 6 months special financing.
APR on Purchases
0% intro APR for 6 - 24 months, 31.74% (V) APR after that
Balance Transfer
Balance Transfers Not Allowed
WalletHub Review
by John Kiernan
May 26th, 2023
CB2 Store Card Pros & Cons
No membership fees
Qualify with fair credit
High regular APR
Deferred interest
CB2 Store Card's Additional Info
| cash advance fee | N/A |
| cash advance APR | N/A |
| foreign transaction fee | N/A |
| smart chip | No |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 23 days |
Deferred Interest Details: No interest if paid in full within 6 months on purchases of at least $749.
Deferred Interest Details: No interest if paid in full within 12 or 24 months on purchases of at least $1,499 or $2,999, respectively.
Questions & Answers
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Compare The CB2 Store Card
Purchase Intro APR0% for 6 - 24 months
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR31.74% (V)
Regular APR17.99% or 29.49% (Variable)
Regular APR26.99% - 29.99% (V)
Rewards Rate10% in Rewards Dollars
Rewards Rate1 - 5% Cash Back
Rewards RateNone
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CB2 Store Card Reviews
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2.8
198 reviews
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3 Star Rating
Verified CustomerGood card to use at Crate & Barrel offers discounts that only cardholders get but no cash back outside of Crate & Barrel, would be better if offered cash back
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1 Star Rating
Verified CustomerLow credit limit! Purchased a couch decided to get the credit card thinking it would be beneficial until you realize the credit limit is so low you might as well make your purchase in cash or any other ACTUAL credit card. We have 800+ credit, 360,000 avg income and we’re still only given $5,500. Well now our last items on back order are available which puts us over the $5,500 limit when it charged us the other half abs the whole order is on hold. We have been waiting for 5 months for our couches and can’t schedule delivery or unfreeze until our payment goes through to free up available credit. What a waste, would have paid cash or another card honestly.
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1 Star Rating
BEWARE. This card is terrible. The customer service by synchrony bank is beyond awful. Super unhelpful and no communication between the bank and crate and barrel. They don’t explain the rewards system. We lost $180 in rewards because if you use partial rewards then you lose the remaining balance. Which is not normal and never explained to us.
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1 Star Rating
Purchased 4 chairs on the C&B card. No issues getting approved, although credit limit was a bit low. Purchased chairs in January. Still haven’t received the chairs, and low and behold, my rewards (that I didn’t even know I had received because of all of the JUNK mail I get from C&B) are expired. So, took a hit on my credit, for a perk I wasn’t even able to use. And I had to cancel part of the order because a part of the chair I ordered is on backorder until July.
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1 Star Rating
Even though we have great credit and plenty of annual income, the limit provided is so low that we can't actually use the card to buy what we need from the store. This is a joke! Why even bother having a credit card program if they make it so bad. Such an awful experience!
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1 Star Rating
Unusable credit limit because it’s so low, despite income >300K and credit score above 800. Credit is not released for over a week after payment, making any large dollar purchases at C+B impossible. Use another rewards card for C+B and save your headaches for something worth it
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1 Star Rating
Whatever you do, don't apply online. If you want to use this card for a large furniture purchase, apply in store. For some reason Synchrony bank treats online applications as higher risk than in-store applications. We were given a $2000 credit limit with credit scores over 800 after applying online. After inquiring in store, the representatives mentioned that a lot of customers had something similar happen when they applied online, however they did not see the same low limits being given when customers applied in store.
All is not lost even with a low limit, you can still make the large purchase on another card and transfer the purchase bit by bit to the CB card with the help of a store associate. One thing to note is that when you pay off the balance, they will hold your payment for over a week and not free up your credit if you are a brand new customer. So expect it to take 2 weeks per transfer. It takes 3 days for the charge to post, another 2 for your payment to "post" and another week for your available balance to reflect your payment. We'll get our points if it's the last thing we do. It's a huge pain though.
Apply in store or suffer our fate as well!
All is not lost even with a low limit, you can still make the large purchase on another card and transfer the purchase bit by bit to the CB card with the help of a store associate. One thing to note is that when you pay off the balance, they will hold your payment for over a week and not free up your credit if you are a brand new customer. So expect it to take 2 weeks per transfer. It takes 3 days for the charge to post, another 2 for your payment to "post" and another week for your available balance to reflect your payment. We'll get our points if it's the last thing we do. It's a huge pain though.
Apply in store or suffer our fate as well!
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1 Star Rating
Don't believe the promotions. I got the credit card during a 20% promotion where you would get 20% in rewards dollars on that purchase. It has been 4 months and 4 calls to customer service later and still have not gotten my additional 10% (10% standard on the card & 10% for promotion). Customer service is no help and the will not let you talk to the rewards team as they are not apart of the bank that runs the credit card.
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1 Star Rating
Rewards expire within 90 days, nobody tells you when you apply for the card they convince you to do it and as usual is written somewhere on those 'little' letters that nobody reads it... today im very disappointed, showed up to purchase a furniture with $260 in rewards, and guess what... expired 2 weeks ago! I would never ever recommend this credit card, better you use std 2-3% cash back than this one.
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1 Star Rating
Zero stars. Low credit limit makes this card useless. Wanted to use it for $6600 purchase, but received only $2k limit, by far the lowest credit limit I have ever received. My credit score is excellent. Called and they would not increase the limit. They would not let me pay $4600 in advance. So, basically they REALLY don’t want to give “Rewards Dollars” on any major purchases and go out of their way to make sure it can’t happen. There is no other reason to have this card. I cancelled it immediately.
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Offer last updated: May 26th, 2023 at 08:31 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
17.99% or 29.49% (Variable)
ANNUAL FEE
$0
REWARDS RATE
1 - 5% Cash Back
BONUS OFFER
None
MINIMUM CREDIT