The Children's Place Credit Card

BreadFinance Pending

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5

Benefits

3

Reward Categories

2x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: childrens-place-credit-card

Issuer: BreadFinance

Card Name: The Children's Place Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:12

Last Scraped: Feb 07, 2026 03:59

Apply URL: Visit

SCRA Benefits (Military Members)

The Military Lending Act (MLA) provides certain protections to covered borrowers, including an annual percentage rate (APR) cap of 36%.

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
The Children's Place & Gymboree Purchases 2x Points Earn 2 points for every $1 spent on Net Eligible Purchases made at The Children's Place and Gymboree stores in the U.S. and Puerto Rico, and online at childrensplace.com and gymboree.com, using your My Place Rewards Credit Card (non-Visa). No Cap
The Children's Place & Gymboree Purchases 2x Points Earn 2 points for every $1 spent on Net Eligible Purchases made at The Children's Place and Gymboree stores in the U.S. and Puerto Rico, and online at childrensplace.com and gymboree.com, using your My Place Rewards Visa Credit Card. No Cap
All Other Purchases 1x Points Earn 1 point for every $1 spent on Net Eligible Purchases made everywhere else Visa is accepted using your My Place Rewards Visa Credit Card. No Cap
Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The My Place Rewards Credit Card does not charge an annual fee for maintaining the credit card account.

Shopping 4
New Cardholder First Purchase Discount
20% off first purchase

New cardholders receive a 20% discount on their first purchase made with the My Place Rewards Credit Card upon account opening.

Accelerated Rewards Earning
2 points per $1 spent

Earn 2 My Place Rewards points for every $1 spent on eligible purchases at The Children's Place and Gymboree stores and online.

Birthday Month Discount
25% off for your birthday month

Receive a 25% discount on purchases made during your birthday month as a My Place Rewards Credit Cardholder.

Exclusive Cardholder Offers
Access to exclusive savings events

Access to special promotions, sales, and exclusive discounts available only to My Place Rewards Credit Cardholders throughout the year.

Benefits Summary (Flags)
PENDING

Extended 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: None
Cash Advance: None
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Balance Transfer APR: 32.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 Months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 680
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Children's Place Credit Card (issued by Bread Financial) in 2026 requires applicants to be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and subject to credit approval. A fair to good credit history is generally preferred, though store cards can be more accessible. Applicants with a history of default or misuse with Bread Financial may be ineligible. The primary bonus typically includes an immediate discount (e.g., 20-30% off) on the first purchase made with the card. Ongoing benefits include earning rewards points (e.g., 2-5 points per $1 spent at The Children's Place and its associated brands), birthday discounts, and exclusive member-only offers. Points are generally redeemable for store credit or discounts.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for primary welcome bonus (typically immediate discount); promotional offers or tier-based spend requirements may have specific windows, commonly 30-90 days.

Shutdown Risk Triggers: Suspected fraudulent activity, excessive returns or refund patterns, manufactured spending (less common for store cards but still a risk), consistent late payments or default on any Bread Financial account, accumulating a very high cumulative credit limit across multiple Bread Financial accounts relative to income, abuse of promotional offers, or rapid application for numerous Bread Financial accounts in a short period.

Cliff Effect Rules: The Children's Place credit card program primarily operates on a tiered rewards structure (e.g., My Place Rewards tiers). Benefits such as points earning rates, exclusive discounts, and free shipping improve with higher tiers, which are typically achieved by meeting annual spending thresholds. Failure to meet these thresholds in subsequent years will result in a downgrade of benefits. There are generally no 'card family' restrictions preventing application for other Bread Financial cards, but overall creditworthiness and total credit exposure with the issuer remain key factors in approval decisions.

Special Events: Exclusive member-only sales events, double or triple points earning days on specific purchases or categories, early access to new product launches or seasonal collections, birthday rewards, anniversary offers, and free standard shipping for higher-tier members.

Holiday Promos: Major shopping holidays such as Black Friday, Cyber Monday, and the broader Christmas/Holiday Season (November-December). Seasonal sales periods including Back-to-School (July-August), Spring/Summer Sales (April-June), and Fall Sales (September-October). Specific holidays like Mother's Day, Father's Day, Easter, Memorial Day, and Labor Day are also common periods for promotions.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Offers exclusive discounts and rewards for loyal Children's Place shoppers, often provides easy approval for those looking to build credit.

Top Negative:
High annual percentage rate (APR), limited usability only at The Children's Place, frequent complaints about Comenity Bank's customer service, and typically low credit limits.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Discover it Secured Credit Card
  • Petal 2 Visa Credit Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0