Crate & Barrel Visa Signature® Card
A no-annual-fee cash back card from First Bank & Trust.
Rates, fees, and full terms are set by First Bank & Trust and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The Crate & Barrel Visa Signature Card pays 10% back across Crate & Barrel, Crate & Barrel Kids, CB2, and Hudson Grace, 4% at home retailers and grocery stores, a limited-time 4% on dining through the end of 2026, and 1% everywhere else, with no annual fee.
Ten percent on furniture and housewares is among the best store rates anywhere, and 4% on groceries is unusually strong. All rewards come back as Reward Dollars for Crate & Barrel's brands, so it is a card for people actively furnishing a home.
Think twice if: you buy from Crate & Barrel only occasionally, since Reward Dollars only work at its four brands.
Our 4.7 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn 10% back at Crate & Barrel, Crate & Barrel Kids, CB2, and Hudson Grace, 4% at home retailers and grocery stores, 4% on dining through December 31, 2026, and 1% everywhere else. You can choose 0% financing on qualifying purchases instead of the 10%. Spend $10,000 in a year and you get an extra $100 in Reward Dollars. The same card is offered as the CB2 Visa Signature.
| Category | Rate | Notes |
|---|---|---|
| Groceries | 4x | Bonus category |
| Dining and restaurants | 1x | Base rate |
| Gas | 1x | Base rate |
| Travel | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
The fine print on rates: Rewards post as Reward Dollars for Crate & Barrel's four brands, so they are only worth face value if you shop there. The same card is offered under the CB2 name with identical rewards. The 4% dining rate is a limited-time bonus, so our calculator uses 1% for dining.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its groceries rate is among the stronger ones you will find in that category.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- 10% back at Crate & Barrel, CB2, and sister brands
- 4% back at grocery stores and home retailers
- Option for 0% financing up to 24 months
- No annual fee
- Rewards only work at Crate & Barrel brands
- 4% dining rate is temporary
- Only 1% on most other purchases
The welcome bonus
New cardholders earn $50 in Reward Dollars after spending $1,000 outside Crate & Barrel's brands in the first 90 days.
First-year value vs ongoing value
| Welcome bonus | $50 in Reward Dollars |
| To earn it | $1,000 outside Crate & Barrel brands in the first 90 days |
| Est. first-year value* | $522 |
| Est. ongoing value / yr* | $472 |
The welcome bonus makes year one the high point: roughly $522 in value once you count the bonus, this card’s rewards, and its credits, minus the no fee. After that, the honest figure is about $472 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- $100 bonus Reward Dollars each year you spend $10,000
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
Get the Crate & Barrel card if you are buying furniture and decor from Crate & Barrel or CB2. Ten percent back plus 4% on groceries adds up quickly during a move or remodel.
Skip it if you shop there once in a while. Reward Dollars only work at the four brands.
Alternatives to the Crate & Barrel Visa Signature® Card
Pairs well with
The Crate & Barrel Visa Signature® Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Crate & Barrel Visa Signature® Card lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
