Carter's Credit Card
Basic Information
Program ID: carters-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:41
Last Scraped: 01/15/2026 11:20
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,924.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on Carter's purchases, 1x on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: The Carter's Credit Card, issued by BreadFinance, is primarily designed for loyal Carter's shoppers. Eligibility typically requires applicants to be at least 18 years of age, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and be a U.S. resident. A fair to good credit history is generally sufficient for approval, making it accessible to a broader range of consumers compared to premium travel cards. Bonus Rule (projected for 2026): New cardholders are expected to receive a one-time discount (e.g., 20-25% off) on their first Carter's purchase made within 30 days of account opening. Additionally, cardholders typically earn a higher rewards rate (e.g., 5 points per dollar, equivalent to 5% back) on all purchases made at Carter's, OshKosh B'gosh, and Skip Hop stores or online, with a standard 1 point per dollar on other eligible purchases. Points are usually redeemable for store credit or discounts.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: BreadFinance (formerly Comenity) is known for its portfolio of store-specific credit cards. Common triggers for account shutdown or credit limit reduction include: high cumulative credit limit across all BreadFinance-issued cards, late payments or defaults on any BreadFinance account, rapid application for multiple credit lines from BreadFinance within a short period (indicating credit seeking behavior), and suspicious activity or attempts to exploit promotional offers beyond their intended use. While manufactured spending is less prevalent with low-reward store cards, any activity deemed fraudulent or abusive could lead to account closure.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.1 / 5.0
Top Positive Feedback:
Initial discount on first purchase, exclusive store offers, easy approval for loyal shoppers.
Top Negative Feedback:
High APR, limited use outside of Carter's, poor customer service from issuer, difficulty with reward redemption.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Target RedCard
- Amazon Store Card
- Capital One Platinum Secured
Card Value Score: 55.0 / 100
Est. Annual Rewards: $40.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: October 2023