Carter's® Credit Card

Cardholders enjoy more to love. Earning $10 rewards is so easy! $1 = 2 points when using your new Carter's® Credit Card at Carter's®, OshKosh B'gosh® and Skip Hop®.

  • Earn Points* - Get rewarded with points on every purchase. Watch them add up faster with bonus point offers too!
  • Extra Surprises - Exclusive bonus points and savings offers for Rewarding Moments members, plus, even more for cardholders!
  • Happy Birthdays* - Receive a special birthday offer for your child every year.
  • Sneek Peeks - Be first to know (and shop!) special sale events.
  • 25% off today* - Save 25% off your first purchase on your new Carter's® Credit Card (includes doorbusters and clearance too!).
  • A Special "Hello"* - Get a special welcome offer when you receive your credit card.
  • Free Shipping* - Enjoy free shipping on any order when you use your Carter's® Credit Card.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Fair Credit, Average Credit Personal $0* N/A* N/A* 25.99%* Store Specific

Carter's® Credit Card Quick Summary:
This is a Store rewards card, issued by Comenity Bank. Store reward cards normally offer rebates on specific brand merchandise or purchases. This card is intended for consumers, or "personal use" with a fair credit history. Rates may vary among applicants, however the lowest standard APR is 25.99%* (Variable)*.

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.*

This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases, according to the offer details.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid or limited credit record, with no recent negative marks on their report. A FICO credit score of 650 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Comenity Bank product.

Other Basics:
The grace period listed for the Carter's® Credit Card is at least 25 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 retail card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser or select partners.

Rewards and Benefits:

Register your Carter's® Credit Card for Anytime, Anywhere Online Account Access. Pay your bill, review statements, update personal information and much more from your computer, tablet or smartphone when you register at

The Carter's credit card is enhances the Rewarding Moments® loyalty program, which has over 12 million active members. Carter’s designed its credit card program to provide new rewards for its customers including free shipping on every order, double points and exclusive cardholder-only events.

Our Editor's Commentary:
We understand brand loyalty, because we all have it for more stores than others. There are times when I personally like shopping somewhere so much, that I sign up for rewards cards. This allows me to save with discounts and rewards.

The Carter's credit card is no different. Frequent shoppers of OshKosch B'gosh, Skip Hop and Carters can enjoy perks by using this card.

If the balance is paid in full before the end of the 25 day grace period, then rewards can overcome the high APR. This, in our opinion, is the only responsible way to hold any credit card!

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 650, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
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