Carter Credit Card Review 2024 – Login, Registration, Apply Process

Getting a credit card for shopping has become one of the most preferable choice now a days and Carter Credit Card is one of those card. It is a general cashback credit card that offers bigger savings on Carter stores.

If you have Caretr credit card, then Carter’s store is ideal place to shop for your children clothes besides Children’s Place, American Eagle Outfitters, or Nordstrom. The card offers excellent deals at Carter’s store and make it more friendly for parents who want to save on their kids clothes. You earn decent reward points on Carter’s stores.

Besides rewards, the card comes with a decent sign-up bonus. So, if you are interested in Carters Credit Card, here or some of its exclusive benefit that you must know before applying.

Carter Credit Card Review 2024

The Carter Credit Card is a co-branded store credit card offered by Comenity Bank. You earn reward points on Carter stores. These rewards can be redeemed for more purchases at stores.

You earn 2 points for every $1 spent and 3 points for every $1 on triple points days. However, the reward rate is low as compared to other credit cards.

The Carter’s credit card can be used to make purchases only at Carter’s store and its affiliated brands like OshKosh, Skip Hop and Little Planet. This credit card could be a great option for parents who frequently make purchases from Carter’s stores.

Carter’s Credit Card Highlights

Annual Fee$0
Regular APR25.99%
Rewards2 points for every $1 spent, and points on triple points day
Credit NeededFair to Good

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Carter Credit Card Benefits

The card offers various benefits on Carter’s store purchases, so let’s explore all its benefits in detail:

Carter Credit Card Benefits
Carter Credit Card Benefits

1. Sign-up Bonus (30% off)

The card comes with a sign-up bonus which is not worth much. If you are a new cardholder, you get 30% discount on the first purchase with the Carter’s credit card and 20% off when you get your credit card. No coupon can be combined with this card.

However, there’s no minimum spending required to earn welcome offer. For eg. if you spent $200 on Carter’s store, a 30% off coupon would save you $60.

2. Reward Earning

Every time you purchase products from Carter Credit Card, you earn reward points for every dollar you spent. You will earn 2 points for every $1 spent, and 3 points per $1 on triple points days. The reward points will be collected in your account and you can use these points for further purchases, special discounts, offers, and gifts! The 2X-3X reward points are not much worthy.

You could also earn $10 for every 150 points earned.

3. Free Shipping

If you are a Carter’s Credit Card holder, you will get free shipping on various deliveries acroos the U.S. Keep in mind, that the delivery services are limited to only a few stores. You will guaranteed free shipping on three partnered Carter’s shops – Carter’s, Skip Hop, OshKosh B’Gosh, and Little Planet.

4. Birthday Specials

The Carters Credit Card offers unique and surprise gifts on your child’s birthday every year. So, you can spend your child’s birthday lavishly is you have Carters Card.

5. Annual Gifts Every Year

All customers or cardholders are well-treated by Carters. You will get an annual gift from Carters store every year. So, you can except free gifts at your doorstep on every anniversary year from Carters. You can also enjoy special shopping events at Catrter’s store.

Rate & Fees

Annual Fee$0
Annual APR30.49%
Minimum Interest $2
Refund Feemaximum $41
Late Payment Fee$30

Carter Credit Card Pros & Cons

  • The card no annual fee.
  • Decent welcome bonus.
  • 2X reward on every purchase from Carters stores.
  • Special gifts on your child birthdays.
  • The card can only be used at Carters store.

Eligibility Criteria for Carter Credit Card

To apply for this card, you must have the following eligibilty criteria:

  • You must be 18 year old.
  • Government registered ID card.
  • Financial details like your Tax ID number (SIN or SSN number).
  • Your address details.

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Carters Credit Card Login, Registration & Apply Process

If you wih to apply for this credit card and want to know its login and registration process, then follow these steps:

Carters Credit Card login and apply process
Carters Credit Card login and apply process
  • Now, click on ‘Apply.”
  • Fill out the application form that appears on the screen.
  • Enter your email, passwords, address, name, and social security number.
  • Create a username and passoword to login for your account.
  • Now, finish the registration process by verifying your verification email sent to your registered email ID.
  • Now, you can login and check your details and status.

Carters Credit Card Payments

You can make Carters Credit Card Payments by the following official ways:

1. By Online

This is the best way to make credit card payment because it is easy, fast, and convenient for all users. Here’s the process to make credit card due payment online:

  • Visit the official website of Comenity Capital Bank Carters Credit Card.
  • Click on the login option on the top of right corner.
  • Click on Manage Your Account.
  • Click on Dues and Payments.
  • Now, click on Pay Now.
  • Enter your payment details like your credit card number and your security code.
  • Click on “Pay Now” to complete the payment.

2. By Mail

You can also pay your credit card payment via mail. If you prefer this method, here’s the mailing address:

  • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003.

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How to Reset Username & Password?

If you have username and password and other login details, then follow these steps to recover Carter Credit Card information:

  • Visit the official website of Carter Comenity Credit Card.
  • Click on the sign in option.
  • Now, you will see the option of “Forgot your username/password.” Click on that.
  • Provide some information like Zip Code, Credit Card Number, Social Security Number (SSN) to reset your password and username.
  • Now click on “Find My Account.”
  • By this way, you can find your credit card information.

How to Activate Carter Credit Card?

Carter Credit Card activation process

In case, if you are a new card holder, then you activate your credit card by calling this number – 18775635767. Also, you can follow these steps to activate your Carter Credit Card:

  • Visit to the Comenity Carters Credit Card official website.
  • Click on the “Activate Card” option.
  • Fill out the form with all the information.
  • Click on “Activate the card” option.
  • Now, your card will be activated.

Bottom Line

The Crater Credit Card can be a great pick if you shop frequently at stores like Carter’s stores, Little Planet, and OshKosh B’Gosh. However, it depends on how you use your credit card. The card offers generous rewards on Carters stores purchases with a decent sign-up bonus.

Also, you can enjoy a $10 reward for every 150 points you earn, but the overall reward rate is not very impressive. But still, it is a great credit card for purchases at Carters stores.

Carter Credit Card Related FAQs

What is the annual fee of Carters Credit Card?

The Carters Credit Card has $0 annual fee.

Where can i use Carters Credit Card?

The Craters Credit Card can only be usable at Carters Store.

Which Bank issues the Carters Credit Card?

The Carters Card is issued by the Comenity Bank.

What is the reward rate of Carters Credit Card?

The card offer you 2 points for every $1 spent, and 3 points per $1 on triple points days.

Does the Carter card offer welcome bonus?

The card comes with a sign-up bonus which is not worth much. If you are a new cardholder, you get 30% discount on the first purchase with the Carter’s credit card and 20% off when you get your credit card.

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