Crate & Barrel Credit Card: What Home Catalog Shoppers Need to Know

calendar Jun 18, 2026 / · 6 min read · Crate and Barrel CB2 co-branded cards home decor  ·
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Crate & Barrel Credit Card: What Home Catalog Shoppers Need to Know

If you applied for a Crate & Barrel card a few years ago, the card in your wallet is not the card a new applicant gets today. In 2025 the program was relaunched: the old Crate and Barrel | CB2 store card and Mastercard, issued by Synchrony Bank, was replaced by a new Crate & Barrel Visa Signature Card (and a matching CB2 Visa Signature Card) now issued by First Bank & Trust and serviced by the fintech Imprint. The change is not just a logo swap — it altered who issues the card, how it earns, and where it can be used. For anyone furnishing a home from the Crate & Barrel, Crate & Kids and CB2 catalogs, this post lays out what the relaunched card actually does and whether it earns its place in your wallet.

Card Overview

The headline change is the network and issuer. The previous card was a Synchrony-issued store product; the relaunched version is a full Visa Signature card from First Bank & Trust, with the account servicing handled by Imprint. A Visa Signature card works anywhere Visa is accepted, so unlike a closed-loop store card that only functions on the brand's own checkout, the new card can be your everyday card while still earning its best rate on home purchases.

That best rate is generous. The card earns 10% back in Reward Dollars on purchases at Crate & Barrel, Crate & Kids and CB2 — and that 10% applies broadly across furniture, housewares, decor, and even sale and clearance items, not just full-price merchandise. In plain dollars, 10% back means $10 in Reward Dollars for every $100 spent at the brands. On a furniture order, where a sofa or dining set can run well into four figures, that return is substantial: a $1,200 sectional earns roughly $120 in Reward Dollars to put toward the next order.

Beyond the brand stores, the card keeps earning. It pays 2% back in Reward Dollars at grocery stores and 1% back in Reward Dollars on all other purchases where the card is accepted. Reward Dollars are redeemable at Crate & Barrel, Crate & Kids and CB2, so the rewards cycle back into the same catalogs you are already shopping. For specifics on any annual fee and the variable APR, check the issuer's terms before applying — the program details are set by First Bank & Trust and surfaced through the Imprint-serviced account.

The relaunch matters for more than branding, because the old and new cards behave differently in the wallet. A Synchrony-issued store card of the kind the program used to run is typically a closed-loop product — usable only at the brand's own registers and checkout. The new Visa Signature card is open-loop: it works anywhere Visa is accepted. That single change turns a card you pulled out only at Crate & Barrel into one that can sit in front as a daily driver, earning 2% on groceries and 1% everywhere else while still capturing the headline 10% on home purchases. For a shopper mid-project on a house, that flexibility is the practical difference between a card worth one trip and a card worth keeping.

It is worth running the numbers against a plain 2% cash-back card to see where the 10% rate actually pays off. A household spending $2,500 across Crate & Barrel, Crate & Kids and CB2 over a year earns about $250 in Reward Dollars on the new card, versus roughly $50 from a flat 2% card on the same spending — a $200 difference funneled back into the brands you are already buying from. The catch hiding inside that comparison is redemption: Reward Dollars only spend at the three brands, while a 2% card pays cash you can use anywhere. The 10% card wins decisively as long as you keep shopping the brands; the moment your home spending tapers off, the unused Reward Dollars are worth less than the flexible cash a general card would have handed you.

Key Benefits for Catalog Shoppers

  • 10% back at the brand stores — A high earn rate that covers furniture, housewares, decor and even clearance, so big home projects generate meaningful Reward Dollars rather than a token rebate.
  • A real Visa, not a store-only card — Because the relaunched card runs on Visa Signature, it works everywhere and earns 2% on groceries and 1% elsewhere, letting it function as a primary card between furniture orders.
  • Rewards stay in the family — Reward Dollars redeem at Crate & Barrel, Crate & Kids and CB2, which suits a shopper who returns to these catalogs season after season for home updates.

How to Apply

Applications now run through the relaunched, Imprint-serviced program rather than the old Synchrony store card. The current terms and the application live on the Crate & Barrel Rewards & Credit Card page, which covers both the Crate & Barrel and CB2 versions. Existing Synchrony cardholders should review how their old account is being transitioned, since the relaunch changed the issuer; the rewards page and the issuer's terms are the authoritative source for how legacy accounts are handled. As always, a variable APR applies to any balance carried — confirm the current rate in the issuer's terms before you apply.

Bottom Line

The relaunched Crate & Barrel Visa Signature is a strong fit for shoppers who furnish and refresh a home from Crate & Barrel, Crate & Kids and CB2 on a recurring basis. The 10% Reward Dollars rate on brand purchases is high enough that a single furniture order can generate a worthwhile credit toward the next, and the move to a full Visa Signature means the card is useful well beyond the brand's own checkout. The catch is the familiar one for co-branded cards: Reward Dollars are locked to the three brands, so the value depends on how much of your spending actually flows to them. A household partway through furnishing a home — or one that returns to these catalogs every season — will find the rewards add up quickly. A shopper who buys from Crate & Barrel only occasionally may earn more, in practice, from a flat-rate general cash-back card that pays the same modest rate everywhere. The decision comes down to how central these catalogs are to your spending, and whether you value rewards you can only redeem back at the brands.

If you already hold the old Synchrony version, the relaunch is a reason to check your account rather than ignore it: the issuer has changed, and the new card's broader Visa acceptance and earning structure may be more or less favorable than what you had, depending on how you used it. And as with any rewards card, the 10% headline only stays ahead of a carried balance — at typical store-card interest rates, one revolving month can cost more than a season of Reward Dollars is worth. The card rewards the shopper who pays in full and shops the brands regularly; for everyone else, a flat-rate cash card asks less and locks in nothing.

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