8
Benefits1
Reward Categories2x
Max Reward32.2%
APR FromBasic Information
PENDINGProgram ID: the-childrens-place-mastercard
Issuer: BreadFinance
Card Name: The Children's Place Mastercard
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Comenity Bank provides Servicemembers Civil Relief Act (SCRA) benefits, including a 6% interest rate cap on pre-service obligations for eligible Servicemembers and dependents.
Rewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| All Purchases | 2x | Points | Earns 2 points for every $1 spent on all eligible purchases made with The Children's Place Mastercard. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x at The Children's Place
Quarterly Rotating: No
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 8 Total
PENDINGLifestyle 1
Birthday Offer
VariesReceive a special offer during your birthday month as a cardmember. Specific offer details may vary.
Shopping 7
Accelerated Rewards Earning at The Children's Place and Gymboree
2 points per $1Earn 2 points for every $1 spent at The Children's Place and Gymboree with your credit card.
Standard Rewards Earning Everywhere Else
1 point per $1Earn 1 point for every $1 spent everywhere else Mastercard is accepted.
Rewards Redemption
$5 per 500 pointsReceive a $5 Reward for every 500 points earned. Rewards are issued in $5 increments.
Exclusive Cardmember Offers
VariesAccess to exclusive discounts and promotions available only to cardmembers.
Free Standard Shipping
Free standard shippingEnjoy free standard shipping on all online orders placed at The Children's Place and Gymboree.
Special Financing Offers
Varies by offerAccess to special financing promotions on qualifying purchases made with your card.
Welcome Offer: First Purchase Discount
20% offGet 20% off your first purchase when you open and use your new The Children's Place 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 |
| Authorized User 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 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: 32.24% - 32.24%
Cash Advance APR: 32.24%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the The Children's Place Mastercard (issued by BreadFinance) typically 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 possess a fair-to-good credit score (generally 640+ FICO) with sufficient verifiable income. Bonus rules often include an initial discount (e.g., 20-30% off the first purchase) upon account opening and approval, along with ongoing rewards (e.g., 5% back in rewards at The Children's Place and its family of brands, 1-2% back on purchases elsewhere where Mastercard is accepted). Specific promotional financing offers may also be available for qualifying purchases.
Max Cards Per Issuer: 7
Min Spend Interval: First purchase for initial discount; 3 months for specific spend-based offers.
Cliff Effect Rules: BreadFinance does not typically enforce 'cliff effect' rules similar to Chase's 5/24 or Amex's once-per-lifetime bonus. However, an applicant's overall credit exposure and recent application history with BreadFinance are closely monitored. Applying for numerous BreadFinance cards in a short period or accumulating very high combined credit limits across their portfolio can lead to application denials or account reviews due to perceived credit risk.
Special Events: Exclusive cardholder-only sales events, double or triple rewards points days, early access to new product launches or seasonal promotions, and special financing options on qualifying purchases.
Holiday Promos: Major shopping holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season, Back-to-School, Easter, Mother's Day, Father's Day, and seasonal clearance events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Easy approval for store shoppers, good initial discounts and loyalty program benefits for frequent customers.
Top Negative:
High APR, limited rewards outside The Children's Place, customer service can be slow, and potential for unexpected fees.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Target RedCard
- Capital One Platinum Secured Credit Card
- Discover it Secured Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $75.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0