The Children's Place Credit Card
Basic Information
Program ID: the-childrens-place-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:34
Last Scraped: 01/15/2026 15:36
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $10.00
Spending Requirement: $50.00
Time Period: 30 days
Bonus Timing: Discount applied at point of sale for qualifying first purchase, or as a statement credit within 1-2 billing cycles after the first purchase is made.
Rewards Program
Reward Type: My Place Rewards Points
Base Reward Rate: 0.00%
Bonus Reward Rate: 2.00%
Bonus Categories: Purchases at The Children's Place, Gymboree, and Sugar & Jade
Point Value Estimate: 0.0400 cents/point
Expiration Policy: My Place Rewards points expire 12 months after earning. Reward certificates expire 45 days after issuance.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: Eligibility requirements for the The Children's Place Credit Card (issued by BreadFinance) for 2026 typically include: applicants must be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet BreadFinance's creditworthiness criteria. The primary bonus rule is generally an initial discount (e.g., 20-30% off) on the first purchase made with the card. Ongoing rewards usually involve earning points (e.g., 5 points per $1) on all purchases at The Children's Place and its associated brands (e.g., Gymboree, Sugar & Jade), which are redeemable for reward certificates. Cardholders may also receive birthday offers and exclusive cardholder discounts.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: N/A (Initial discount applies immediately upon first purchase; ongoing rewards accrue per transaction without a specific minimum spend interval for bonus qualification.)
Shutdown Risk Triggers: Missed payments, high credit utilization, suspected fraudulent activity, significant changes in credit profile (e.g., bankruptcy), excessive returns, or attempts to abuse promotional offers (e.g., repeated large returns after earning rewards). While less common for store cards, manufactured spending or credit cycling could also be triggers.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.7 / 5.0
Top Positive Feedback:
Easy approval process, offers exclusive discounts and rewards for frequent shoppers at The Children's Place, includes birthday offers, and has no annual fee.
Top Negative Feedback:
High Annual Percentage Rate (APR), poor customer service experience, limited use only at The Children's Place, frequent credit limit reductions, and issues with online account management.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Discover it Cash Back
- Capital One QuicksilverOne Cash Rewards Credit Card
- Target RedCard
Card Value Score: 45.0 / 100
Est. Annual Rewards: $50.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 30 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: October 2023