The content is accurate at the time of publication and is subject to change.

It is no wonder that the Crate and Barrel's rewards program appears messy to you. Everything is easy and simple when you earn rewards: one dollar spent - one point earned. However, only when your purchases do not exceed the $999 dollar threshold. If your purchase is equal or greater than $999, you will be offered a deferred financing option choosing which, you won't earn points. You will only be given 6 months of no interest. The redemption is a bit tricky because you will be given a $20 rewards certificate every time you reach a 200-point threshold. You won't be able to redeem more, and if you redeem less than $20, you will forfeit the rest. So, the Crate and Barrel credit card turns out to be useless for those who do not shop at Crate and Barrel a lot. A regular credit card will be a better option for such people though. Regular cards allow you to earn rewards on all purchases and redeem any amount you wish. Also, rewards earned with a regular card do not expire and can be redeemed for cash.