The Crate & Barrel credit card, issued by Synchrony Bank, offers two versions: a store-only card and a Mastercard version. Both provide rewards for purchases at Crate & Barrel, but the Mastercard also offers cash back on groceries and other purchases. Despite these rewards, the card lacks a sign-up bonus and features high-interest rates (32.24% as of February 2024) compared to the average credit card rate of 22.63%. Additionally, the redemption of rewards is restricted and cannot be combined with other discounts. Special financing options are available, but they come with the risk of high retroactive interest if not paid in full by the end of the term.
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