The Children's Place Credit Card

BreadFinance Pending

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5

Benefits

2

Reward Categories

2x

Max Reward

35%

APR From
Basic Information
PENDING

Program ID: the-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 15, 2026 15:34

Last Scraped: Feb 11, 2026 07:02

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible active duty Servicemembers may qualify for benefits under the Servicemembers Civil Relief Act (SCRA). Contact Comenity Bank for details and to apply.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
The Children's Place & Gymboree Purchases 2x Points Purchases made at The Children's Place and Gymboree stores or online with your My Place Rewards Credit Card. No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa is accepted with your My Place Rewards Credit Card. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

There is no annual fee for The Children's Place Credit Card.

Shopping 4
Points Earning on Purchases
2 points per $1 spent

Cardholders earn 2 points for every $1.00 in Net Eligible Purchases made with The Children's Place Credit Card at The Children's Place and Outlet Stores in the U.S. and Puerto Rico, and online at childrensplace.com.

Rewards Certificate Redemption
$5 per 100 points

For every 100 points earned, a $5 Rewards Certificate will be issued. Rewards Certificates are valid for 45 days from the date of issuance and can be used towards purchases at The Children's Place.

Birthday Offer
Special offer (details vary)

Cardholders who provide their birth month and day will receive a special birthday offer from The Children's Place.

Exclusive Cardholder Offers
Varies by offer

Cardholders may receive exclusive offers, discounts, and promotions from The Children's Place from time to time.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 34.99% - 34.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If the promotional balance is not paid in full by the end of the promotional period, interest will be charged to your account from the purchase date at the variable purchase APR of 34.99%.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the The Children's Place Credit Card requires applicants to be 18 years or older, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to a credit check, typically requiring fair to good credit history. The primary bonus for new cardholders is often a percentage discount on their first purchase. Ongoing benefits include earning rewards points on purchases at The Children's Place, Gymboree, and Sugar & Jade, exclusive cardholder discounts, birthday offers, and early access to sales. Rewards are generally issued as store credit or discounts.

Max Cards Per Issuer: 8

Min Spend Interval: N/A

Shutdown Risk Triggers: High cumulative credit exposure across multiple BreadFinance accounts relative to income, excessive credit limit increase requests, late payments or defaults on any BreadFinance account, suspicious activity inconsistent with typical spending patterns (e.g., very large, unusual purchases for a store card), abuse of return policies or promotional offers, and opening too many BreadFinance accounts in a very short period.

Cliff Effect Rules: There are no known 'cliff effect' rules for BreadFinance store cards across different brands. Each store card is generally treated as a distinct product, allowing eligibility for separate sign-up offers for each new card. Re-applying for the same card after closure may require a cooling-off period, but this is not a 'cliff effect' in the traditional sense of preventing bonuses across a card family.

Special Events: Exclusive cardholder shopping events, early access to sales, double/triple points days, birthday discounts, and special seasonal promotions.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season, Back-to-School, Easter, Memorial Day, Labor Day, Mother's Day, and Father's Day.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy to get approved, offers good discounts and coupons for The Children's Place purchases, can be helpful for building credit for new users.

Top Negative:
Very high interest rates, limited utility outside of The Children's Place store, customer service can be challenging, credit limit decreases are sometimes reported.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Target RedCard
  • Capital One Platinum Secured Card
  • Discover it Secured Credit Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $40.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0