Cato Credit Card

  • Use it at any Cato or It's Fashion store.
  • No annual fee.
  • No need for cash or checkbook.
  • No finance charge if balance is paid in full on or before your next billing date.
  • Receive exciting fashion news.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Limited Credit, Poor Credit Personal $0* N/A* N/A* 22.9%* None


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Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Average Credit Consumer See Terms* N/A N/A See Terms* None 4


Quick Summary:
This Store offer is issued by Cedar Hill National Bank. This card is intended for consumers, or "personal use" with a limited or short credit history. The APR is 22.9%* Fixed.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Credit Record Needed:
The Cato Credit Card is designed for those with less than perfect credit. There are a number of factors that this issuer may consider when making decisions for approval.

Other Basics:
The grace period listed for the Cato Credit Card is at least 28 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date.

This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser.

Approval Rate:
There were 6 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 33% of those applicants were approved.

This card has a very poor approval or acceptance rate. This could be due to the fact that applicants changed their decision after wanting a traditional credit card such as a Visa, Mastercard, Discover Card or American Express card. Furthermore, if your FICO score is close to or higher than , then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed.

Community Opinion:
Based on community reviews, we found that 50% of 2 users recommend this card.

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