11
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: catherines-credit-card
Issuer: BreadFinance
Card Name: Catherines Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
If you are a Servicemember and are eligible for benefits under the SCRA, you may be entitled to a 6% APR on balances incurred prior to your active duty service.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Catherines Purchases | 2x | Points | Net Eligible Purchases made at Catherines stores or online at catherines.com using your Catherines Credit Card. | No Cap | |
| All Other Purchases | 1x | Points | Net Eligible Purchases made anywhere else Visa is accepted using your Catherines Credit Card. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 11 Total
PENDINGLifestyle 2
Special Birthday Discount Offer
Special discount offerReceive a special discount offer during your birthday month.
Special Anniversary Discount Offer
Special discount offerReceive a special discount offer during your anniversary month.
Shopping 8
Earn Catherines Rewards Points
20 points per $1 spentEarn 20 points for every $1.00 in Net Eligible Purchases made with your Catherines Credit Card at Catherines stores or online at catherines.com.
Catherines Rewards Certificates
$10 certificate for 2,000 pointsFor every 2,000 points earned, you will receive a $10 Catherines Rewards certificate.
Exclusive Cardmember Offers
Various exclusive offersReceive exclusive offers throughout the year, available only to Catherines Credit Cardmembers.
Special Shipping Offers
Various shipping offersReceive special shipping offers throughout the year.
Platinum Free Standard Shipping
Free standard shippingPlatinum status members receive free standard shipping on all purchases made with their Catherines Credit Card at Catherines stores or online at catherines.com.
Platinum Early Access to Sales & Promotions
Early accessPlatinum status members receive early access to sales and promotions.
Platinum Double Points Events
Double points on select purchasesPlatinum status members receive access to double points events.
Platinum Free Returns
Free returnsPlatinum status members receive free returns on all purchases made with their Catherines Credit Card at Catherines stores or online at catherines.com.
Status Benefits 1
Platinum Status Qualification
Spend $400+ annuallyAutomatically upgrade to Platinum status when you spend $400 or more in Net Eligible Purchases in a calendar year with your Catherines Credit Card.
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 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater. |
| 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%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the Catherines Credit Card, issued by BreadFinance, offers a 20% discount on your first purchase made within 30 days of account opening, plus 5% back in rewards on all Catherines purchases. Eligibility requires applicants to be at least 18 years old, a U.S. resident with a valid SSN or ITIN, and meet BreadFinance's creditworthiness criteria. Approval is subject to credit history review, including factors like debt-to-income ratio and payment history.
Max Cards Per Issuer: 1
Min Spend Interval: N/A
Cliff Effect Rules: BreadFinance generally limits customers to one store-specific credit card per brand. While there are no 'Catherines family' rules, approval for this card may be impacted by the number of other BreadFinance-issued store cards you hold or your overall credit exposure with BreadFinance. Benefits are typically non-stackable with other store-wide promotions unless explicitly stated.
Special Events: Annual 'Catherines Rewards Day' (typically Q3) offering bonus rewards, birthday discounts, and exclusive cardholder-only sales events throughout the year, often tied to new collection launches.
Holiday Promos: Black Friday/Cyber Monday week (late Nov), Post-Holiday Clearance (Jan), Mother's Day (May), and Back-to-School (Aug) often feature enhanced cardholder benefits or special financing offers.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy approval for those with fair credit, exclusive discounts and promotions at Catherines, special financing offers.
Top Negative:
High APR, limited use only at Catherines, customer service issues with Comenity, frequent credit limit adjustments.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Capital One Platinum Secured Card
- Discover it Secured Credit Card
- Target RedCard
Card Value Score: 45.0 / 100
Est. Annual Rewards: $60.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: February 2024