The Children's Place Credit Card
Basic Information
Program ID: childrens-place-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:12
Last Scraped: 01/15/2026 10:47
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
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: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Welcome Offer: Get 20% off your first purchase when you open and use your new The Children's Place Credit Card today. The discount is applied instantly at checkout on the first purchase made with the new card.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x on The Children's Place purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after issuance or upon account inactivity.
Transfer Partners: N/A
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: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Children's Place Credit Card (issued by BreadFinance, likely via Comenity Bank) typically requires applicants to be 18 years or older, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a satisfactory credit history. While store cards can be more lenient, a history of defaults with BreadFinance/Comenity may lead to denial. The primary bonus usually involves a percentage discount (e.g., 20-30%) on the first purchase made with the card. Ongoing benefits often include exclusive cardholder sales, birthday discounts, and a tiered rewards program for purchases at The Children's Place and its affiliated brands (e.g., Gymboree). Specific bonus offers and eligibility criteria are subject to change annually and are typically detailed at the point of application.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: Immediate (for initial first-purchase bonus); N/A (for ongoing rewards, as they accrue continuously with purchases).
Shutdown Risk Triggers: Common triggers for account shutdown or credit limit reduction include non-payment or default on the account, suspected fraudulent activity, excessive returns or unusual transaction patterns, high credit utilization specifically within The Children's Place ecosystem, or opening a high number of store credit cards with BreadFinance/Comenity in a short period, indicating potential credit seeking behavior.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Good for discounts at The Children's Place, easy to get approved, helpful for building credit.
Top Negative Feedback:
High APR, limited use outside the store, customer service can be difficult, rewards are only for store credit.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne Cash Rewards Credit Card
- Discover it Secured Credit Card
- Target RedCard
Card Value Score: 55.0 / 100
Est. Annual Rewards: $50.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0