Retail card for use at Coldwater Creek and ColdwaterCreek.com. APR for Purchases: 26.99%. This APR will vary with the market based on the Prime Rate. Your due date is at least 25 days after the close of each billing cycle. Card issuer will not charge you interest on purchases if you pay your entire balance by the due date each month. Late Payment Fee: Up to $35. Returned Payment Fee: Up to $35.