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Carter's® Credit Card

4.8WalletHub Rating

WalletHub Rating

4.8

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Market Comparison

4.8

fees: 5.0

rewards: 5.0

cost: 5.0

Other Features: 0.0

TermsReviewsFAQContact

WalletHub Rating

4.8/5

Carter's® Credit Card has a rating of 4.8/5 according to our proprietary credit card rating system. This rating reflects how appealing Carter's® Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Carter's® Credit Card earned a score of 5.0/5 for Fees, 5.0/5 for Rewards, and 5.0/5 for Cost. Info about the Carter's® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.

WalletHub Rating Breakdown

Fees 5.0/5

Rewards 5.0/5

Cost 5.0/5

Other Features 0.0/5

KEY TERMS

Excellent Credit, Good Credit, Fair Credit

Annual Fee

APR on Purchases

35.99%

Balance Transfer

Balance Transfers Not Allowed

Rewards

Save 30% on your first purchase within 24hrs of approval (same-day application and approval required), plus 20% discount after receiving your card. Terms apply.

Earn 2 points per $1 spent on all purchases.

Get a $5 reward for every 100 points earned.

Pick bonus days any 3 days a year for (3X points) 3 points per $1 spent.

Get $10 off on your anniversary.

Get 30% off as a birthday gift on your birthday month. May only register up to 5 kids birthdays per account.

Free shipping on all purchases made with your card.

Exclusive bonus points, saving offers and early access to special events.

Carter's® Credit Card's Additional Info

cash advance fee

N/A

cash advance APR

N/A

foreign transaction fee

N/A

smart chip

max late fee

$41

max overlimit fee

max penalty APR

None

grace period

25 days

Learn More

at Comenity's secure site

Carter's® Credit Card Pros & Cons

No membership fees

High rewards rate

30% + 20% discount initial rewards bonus

Qualify with fair credit

High regular APR

Compare The Carter's® Credit Card vs. Popular Alternatives


4.8WalletHub Rating WalletHub Rating 4.8 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Market Comparison 4.8 fees: 5.0 rewards: 5.0 cost: 5.0 Other Features: 0.0	4.4WalletHub Rating WalletHub Rating 4.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.9 User Reviews 3.3 Market Comparison 4.4 fees: 3.8 rewards: 4.7 cost: 4.7 Other Features: 0.0	4.2WalletHub Rating WalletHub Rating 4.2 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.6 Market Comparison 4.2 fees: 3.8 rewards: 4.3 cost: 4.6 Other Features: 0.0
(2)	(238)	(916)
annual fee$0	annual fee$0	annual fee$0
rewards rate 2 points / $1	rewards rate 2% Cash Rewards	rewards rate 1.5 - 5% Cash Back
bonus offer30% + 20% discount	bonus offer $200 Cash Rewards	bonus offer $200
Purchase Intro APRNot Offered	Purchase Intro APR0% for 12 months from account opening	Purchase Intro APR0% for 15 months
transfer intro aprNot Offered	transfer intro apr0% for 12 months from account opening on qualifying balance transfers\|Transfer Fee: 3% intro for 120 days from account opening, then up to 5% (min $5)	transfer intro apr0% for 15 months\|Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR35.99%	Regular APR18.49%, 24.49%, or 28.49% Variable	Regular APR18.24% - 27.74% (V)
Add to Compare	Add to Compare	Add to Compare
	Sponsored Apply Now Rates & Fees	Sponsored Apply Now Rates & Fees

Questions & Answers

Can't find what you are looking for? Submit your question about Carter's® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Carter's® Credit Card Reviews

Share your insights and review for the Carter's® Credit Card

4.0

What's Your Rating?

Lbo_towey
March 27, 2022 • @Lbo_towey

Verified Customer

The credit card is fine but it is the only card I have that does not have an app to manage your card and make your payments through. Because of this by the time I was finally able to sign in to the website and make a payment it was a day late and I got charged a $35 late fee. Now I signed up for automatic payment which my husband doesn’t like because you give access to your account but with it being so inconvenient to make a payment, I had to to avoid late char. But I won’t use the card again after it’s paid off because of this.

Comment

Sandra
February 18, 2022 • @chavez_sandra38

Verified Customer

Thank you Carter's store for giving me a second chance on giving me credit it well help me out now that my son has a second baby on it way ?

Comment

Review Carter's® Credit Card

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Offer last updated: May 13th, 2026 at 15:05 ET

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Carter's® Credit Card

Carter's® Credit Card

Credit Score

Annual Fee

APR on Purchases

Balance Transfer

Rewards

Carter's® Credit Card's Additional Info

Carter's® Credit Card Pros & Cons

Compare The Carter's® Credit Card vs. Popular Alternatives

Questions & Answers

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