7
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: carters-credit-card
Issuer: BreadFinance
Card Name: Carter's Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
The SCRA provides protections for Servicemembers and their dependents called to active duty, including a 6% interest rate cap on certain pre-service obligations and the right to terminate certain lease agreements.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Carter's, OshKosh B'gosh & Skip Hop Purchases | 2x | Points | Net Eligible Purchases made at Carter’s, OshKosh B’gosh, and Skip Hop stores and websites in the U.S. and Puerto Rico. | No Cap | |
| All Other Purchases | 1x | Points | Net Eligible Purchases made everywhere else Visa credit cards are accepted. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 7 Total
PENDINGLifestyle 1
Birthday Offer
Varies by offerCardmembers receive a special offer or discount during their birthday month. Specific offer details may vary annually.
Shopping 6
First Purchase Discount
25% off first purchaseCardmembers receive a 25% discount on their first purchase made with the Carter's Credit Card upon account opening and use.
Rewards Points Earning
2 points per $1 spentEarn 2 rewards points for every $1 spent on eligible purchases at Carter's, OshKosh B'gosh, and Skip Hop stores and online.
Rewards Redemption
$10 reward for 200 pointsReceive a $10 reward certificate for every 200 points accumulated. Reward certificates can be used towards future purchases at Carter's, OshKosh B'gosh, and Skip Hop.
Exclusive Special Offers
Varies by offerCardmembers receive access to special promotional offers and exclusive savings events throughout the year.
Free Standard Shipping
Free standard shipping on all ordersCardmembers receive free standard shipping on all orders placed at Carter's, OshKosh B'gosh, and Skip Hop, with no minimum purchase requirement.
Early Access to Sales & Events
Early accessCardmembers gain early access to exclusive sales events and promotions before they are available to the general public.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Carter's Credit Card, issued by BreadFinance, is designed for frequent shoppers at Carter's and OshKosh B'gosh. Eligibility requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and subject to a creditworthiness assessment by BreadFinance. Approval is not guaranteed and depends on credit history. New cardholders typically receive a one-time welcome offer, such as a percentage off their first purchase (e.g., 20-30% off). Ongoing benefits include earning a percentage back in rewards on eligible purchases at Carter's and OshKosh B'gosh (e.g., 5% back), often issued as store credit or loyalty points. Application is available online or in-store, with instant credit decisions common. Store-specific restrictions apply, meaning rewards and benefits are generally limited to purchases made directly at Carter's and OshKosh B'gosh locations or their official websites.
Max Cards Per Issuer: 1
Min Spend Interval: 3 months
Cliff Effect Rules: As a dedicated co-branded store card, the Carter's Credit Card typically does not have complex 'card family' rules or 'cliff effects' related to other BreadFinance products. Benefits and limitations are specific to this card and its associated brands (Carter's, OshKosh B'gosh).
Special Events: Exclusive cardholder-only sales events, early access to new product collections, personalized birthday discounts, and special financing offers during specific promotional periods throughout the year.
Holiday Promos: Enhanced rewards (e.g., increased percentage back), additional discounts, and special financing options (e.g., 0% APR for a limited period on qualifying purchases) during major shopping holidays such as Black Friday, Cyber Monday, Back-to-School season, and other seasonal sales events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.5 / 5.0
Top Positive:
Easy approval for those with fair credit, offering good discounts and rewards for frequent shoppers at Carter's and OshKosh, including initial purchase discounts and exclusive member offers.
Top Negative:
High Annual Percentage Rate (APR), limited utility as it's only usable at Carter's and OshKosh, and frequent complaints about customer service from the issuer (Bread Financial).
Approval Experience: 80.0 / 100
Recommended Alternatives
- Target RedCard
- Kohl's Charge
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $60.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0
Last Updated: Oct 01, 2023 00:00