Carter’s Credit Card Review

For those who do a lot of shopping for children, the Carter’s credit card is a great store-branded card to try. If you’re considering signing up for the Carter’s store card, we’ll outline everything you need to know. This way, you’ll be able to decide if this is a good or bad investment for your financial future.

Carter’s Credit Card – Pros

1. Points Per Purchase

Every Carter’s purchase earns points. Two points for each dollar spent equals $10. You can use points for store credit. Points can be redeemed for statement credits, gift cards, and rebates.

2.Special Offers

Carter’s credit cardholders and Rewarding Moments members get special alternatives. Cardholders enjoy benefits throughout the year. Using your card could earn you more points or perks. Flash specials and discounts could be mailed to you. You’ll get a surprise offer on your child’s birthday.

3. Early Access to Sales

Carter’s has year-round sales. Carter’s Cardholders get early access. You’ll get advance notice of noteworthy bargains and events. This can help you plan purchases. You can shop hours before non-cardholders for further savings.

4.First Purchase Discount

Points are awarded for the first purchases made with the card. 25% discount with the card. This works on sale and doorbuster items. Imagine the savings on Black Friday.

5.Easy Application Process

easy card application. Online or in-store applications are available. In-store application help is available. You’ll know in minutes. You’ll submit the information. Credit is average, fair, or extraordinary. This boosts applicants’ chances.

6. Grace Period

Carter’s gives you a grace period if you can’t pay your bill. Every month has 25 grace days. 25 days without interest Instead, pay off your card with your next check. This is good news because card interest may mount quickly.

7.Free Shipping

When using your card, shipping is free. All cardholder orders ship free. This is wonderful over the holidays or when buying a few goods. They ship quickly across the country.

8. Extra Gift for Signing Up

Carter’s offers new cardholders a “Special Hello.” This prize is for first-time buyers. Carter’s will send you a present afterward. This gift could be a small gift certificate or redeemable points. The gift changes annually.

9. Works at Carter’s Owned Companies

Carter’s owns OshKosh and Skip Hop. Carter’s credit card can be used at these stores. Each store earns points. You can earn points in-store or online.

10.Mobile App

Carter’s mobile app is user-friendly. It helps you track purchases and incentives on your phone. It works on Android and iOS. You can check your Carter’s account on iPads and PCs.

11. No Annual Fee With the Carter’s Store Card

This card is fee-free. If you use it once or twice a year, this is a pleasant advantage. There is no need to earn enough awards to cover the cost. Because they’re limited, many store-branded cards have no annual fee.

Carter’s Credit Card – Cons

1. Store-Branded Card

store-branded Carter’s credit card This means you can only use rewards in-store. This card is only good at Carter’s, Skip Hop, and OshKosh B’Gosh. This is restrictive if you don’t buy children’s clothes.

2. APR

This store-branded card has a higher APR. 27.49% APR. Keeping a balance from month to month can add up quickly. Monthly payments can help you avoid this APR. Thus, the greater rate is less painful.

3. Have to Add the Kids to the Account

Register your kids to obtain the birthday surprise each year. Carter’s won’t send you a birthday gift if you don’t. It’s simple to overlook. Registration can be challenging.

What bank is Carter’s credit card?

Comenity Capital Bank issues Carter® cards.

The Wayfair Card is popular. The Wayfair credit card is great for baby furniture and décor.

Discover the 10 easiest shop cards.

Bottom Line on the Carter’s Store Card

The Carter’s credit card is useful for people who shop for kids. Its features and few flaws make it a good deal. Average credit is also accepted. It’s a good option for many.