Secrets About Coldwater Creek MasterCard That Nobody Will Tell You

Another appreciation for women. Coldwater Creek MasterCard is ready for service. It is a store card mainly focusing on the customers who visit Coldwater Creek. Not only that but also, men got another chance to impress their most important women in their life with surprising gifts and accessories. If you are visiting Coldwater creek with a Coldwater Creek credit card, fewer chances are available for you to regret.

Coldwater Creek MasterCard is a product from the Comenity Bank. Comenity is a financial service supplier all over the United States. Currently, the bank has more than 125 credit card programs. Initially, they started their operations under Alliance Data.

It is a MasterCard along with the related benefits and offers. You can use the card anywhere, the MasterCards are accepting. Why don’t you find more interesting details about the Coldwater Creek MasterCard? 

Coldwater Creek MasterCard Rates & Fees

  • The Purchase Annual Percentage Rate (APR) is 19.99% – 26.99%. 
  • Balance Transfer APR & Cash Advance APR is 28.99%.
  • $0 Annual Fee.
  • Returned Payment Fee & Late Fee Amount is $38.

Requirements

Most importantly, you must be a resident of the United States. Additionally, you must possess a valid Identity Card and a valid Social Security Number. In the meantime, your credit score must be between 650-850. Finally, your age should be at least 18 years old.

Benefits

  • Cashback options: 

You will receive many rewards in a cashback option. The first one is, you can earn 5× points on every dollar you spend at the Coldwater Creek store. Another way is 3× points on gas & grocery purchases on your credit card. And also, all the other purchases you process on the credit card will earn 1× point. Finally, you get a $10 Reward certificate for every 1000 points you earned.(similar best cashback credit cards: Edward jones credit card , sierra club credit card )

  • Birthday Coupon:

Every year you are eligible to receive a coupon on your birth month. You may use the $25 coupon during your shopping visits at the Coldwater Creek. For activating the offer, a valid opt-in email address is requiring. Do not forget to subscribe to the offer, after you have your card.

  • Free Shipping events:

Another benefit for card members is, during the Fall & Spring seasons, the store held FREE standard shipping events. There is no minimum order level for the offer. You are free to order as much as you want during the two weeks of the promotion. Through the billing statement and emails, they will notify about the offers and promotions.

Disadvantages

  • Higher APR:

The Coldwater Creek MasterCard will charge a higher APR for purchases, balance transfers as well for the cash advances. According to my opinion, the interest rates are quite higher than the other competitive cards in the market. The rates will discourage the transactions through the card.

  • Foreign Transaction Fee:

The current rate for foreign transactions is 3% of the transaction amount. Comparatively, the percentage is a higher value. As an example, if you spend $3,000 overseas, you should spend $90 as the fee. If you plan to stay abroad for a long period, it is highly recommended to change into another card that does not charge a foreign transaction fee.

  • As the other downsides, we can mention that the card does not offer a sign-up bonus and does not report to the credit bureaus.

Is it easier to get the Approval on the Application?

By visiting the Coldwater Creek Mastercard website, you will find the application for the credit card. As usual, you should fill the information relevant to the personal details, income information, employment details, and housing information. Within 7-10 days, the bank will send you regarding the approval of the application.

Later on, the bank will provide you a separate Coldwater Creek MasterCard login. By using that online facility, you may process the Coldwater Creek MasterCard payments in few steps. Apart from that, balance check options and balance transfers options are also available through the online portal.

Customer Service

For further clarification on the credit card, please contact a customer service agent through 1-855-463-6345, TDD/TTY: 1-800-695-1788. Not to mention, if you are uncomfortable with the current credit limit, contact them to make the changes you want.

Just in case, if you need to cancel your credit card, give a call to the customer service. Or else, via Secure Message Center you may send a message to the bank mentioning your requirement.

Coldwater Creek MasterCard is for you?

Is the above statement correct or wrong? I guess the answer is depending on your situation. If you are a loyal customer of Coldwater Creek already, no doubt this is the best card for you. For all the other people around there, still, there is a chance for you to try the card. Why? Because it is a MasterCard. 

Leave a Comment