Catherines Credit Card Reviews: Is It Worth It? (2025)Reviews, rates, fees, and rewards details for Catherines Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rateup to $40 initial rewards bonusQualify with fair creditSpending caps on rewardsHigh regular APR
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.
Catherines Credit Card has a rating of 3.8/5 according to our proprietary credit card rating system. This rating reflects how appealing Catherines 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, Catherines Credit Card earned a score of 5.0/5 for Fees, 3.6/5 for Rewards, 4.0/5 for Cost, and 3.3/5 for User Reviews. Info about the Catherines Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.3/5
163 reviewsRead and write reviews
Market Comparison
Market Comparison
3.9
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.6
Cost
4.0
Other Features
0.0
3.9/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
35.99%
Balance Transfer
Balance Transfers Not Allowed
Rewards
Get $30 off your first purchase of $35 or more when you open and use your card.
Receive a $10 bonus reward emailed to you within 30 days.
Earn 15 points for every $1 when using this card.
Earn 20 points per $1 when you gain Select status by spending $350 in a calendar year. Earn 25 points per $1 when you gain Elite status by spending $800 in a calendar year.
Receive exclusive birthday offer during your birthday month.
Get a $10 Rewards Certificates for every 3,000 points earned.
Catherines Credit Card's Additional Info
Free standard shipping on qualifying $75 purchases made with the card.
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.
User Reviews
3.3
Market Comparison
3.9
fees: 5.0
rewards: 3.6
cost: 4.0
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 (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.
Editor’s Rating
4.2
User Reviews
4.0
Market Comparison
4.5
fees: 5.0
rewards: 4.0
cost: 5.0
Other Features: 0.0
3.6WalletHub Rating
WalletHub Rating
3.6
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 Gas 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.
Can't find what you are looking for? Submit your question about Catherines 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.
You can make Catherines Credit Card payment online, by phone, by mail or through EasyPay. To pay your Catherines Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Capital Bank does allow cardholders to set up automatic payments, too.
Ways to Make Catherines Credit Card Payment
Online: Log in to your online account or use the EasyPay feature in order to pay your bill.
By phone: Call (800) 995-9450 and enter your card information when prompted, then press n/a.
By mail: Send a check or money order (but not cash) to
Comenity Bank PO BOX 182273 Columbus, OH 43218-2273.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Catherines Credit Cardpayment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
The easiest way to apply for the Catherines Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Comenity Capital's website. Alternatively, you can apply by phone.
Keep in mind that the Catherines Credit Card requires Fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...
You can use your Catherines Credit Card on catherines.com as well as for other FullBeauty Brands purchases. The other FullBeauty Brands online stores are:
To check your Catherines Credit Card balance, log in to your account online or call credit card customer service at (800) 995-9450. The fastest way to check your Catherines Credit Card balance is online, since you won't ever need to deal with an automated system or wait for an available representative.
You can find the current Catherines Credit Card payment address listed on your monthly statement. You can also find it by visiting Comenity's website or calling customer service at the number on the back of your card.
When paying Catherines Credit Card bills by mail, be sure to submit either a check or money order for the payment amount. Comenity does not accept cash.
It can take anywhere from a few minutes to 10 business days to get approved for the Catherines Credit Card.
While some applicants may be approved instantly because they match the exact criteria that the issuer is looking for, not being approved right away doesn't mean that you won't ultimately get approved once your application is reviewed in more detail.
You will be informed either way once a decision has been reached. Good luck!
To cancel a Catherines Credit Card, call customer service at 1 (800) 995-9450 or log in to the Comenity Bank website.
Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. In addition, if you cancel your credit card, you will forfeit any unused points, so be sure to redeem them before you close the account....
You can request a Catherines Credit Card credit limit increase by calling customer service at 1-800-995-9450. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Comenity Bank has on file. Comenity Bank will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
Share your insights and review for the Catherines Credit Card
5
26%
4
21%
3
25%
2
15%
1
13%
3.3
163 reviews
163 reviews
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Brenda @klm3811
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5 Star Rating
Verified Customer
The balance has been paid in full but not reported Great clothes for excellent prices Fashions are up to date with new look. Trending
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0
0
karenstamper83 @karenstamper83
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1 Star Rating
Verified Customer
They now have a bank account wiring system....it takes too long to pay off the card. I attempted to pay off my card over the weekend, it's Tuesday and the money hasn't came out of my bank yet. It shouldn't have taken this long. I paid early on Friday morning.
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0
0
Sherry @sherry_joy_simpson
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5 Star Rating
Verified Customer
Never any issues with this card. It was very nice to have when I had perks card and sales happened, but since Catherines went to online only during covid, the shipping costs are enormous. Therefore I don't think I'll be able use it again.
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0
0
Catherine @catherinew_23
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1 Star Rating
No waiver during Covid causing my credit score to drop also once I was able to get in touch with an agent I was told I would receive forgiveness that would remove the missed payment from my credit which I never received
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0
0
Cora @coradbknr
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5 Star Rating
Verified Customer
I'm a full-figured woman and have shopped at Catherines for years, The up-to-date fashions are perfectly designed with me in mind. Love you Catherines!!!
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0
0
Mary @maxine1sky
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3 Star Rating
Verified Customer
When I was ill recently, I inadvertently missed my payment with Catherine's. The bill was under $300 and yet it ruined my credit rating even after explaining the reason and paying off card in full. I cancelled the card as a result! Plus whenever one calls for information, one gets a different answer each time one calls. I've been told several times that items on backorder will be charged shipping even though the backorder has nothing to do with me! today I received an email stating they do not charge shipping! You figure.
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0
0
Kathy @katt_hankins12
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2 Star Rating
Verified Customer
This card started with a $300 limit and is still $300. They have never raised the limit. They have recently gone online only per my understanding and have combined with other online plus size shops. That is the only pro.
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1
0
Natashia @natashia_monk
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2 Star Rating
Verified Customer
It’s effective card but stores no longer available. When ordering online the shipping rates are fair, but are not credited with returns.
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0
0
Catherine @catheriner_57
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5 Star Rating
Verified Customer
My experience had been amazing! I have not a single complaint and it is very easy to use. that’s why it’s getting a five-star review.
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1
Jill @jillw_40
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3 Star Rating
Verified Customer
I've had this card for a few years and always loved it. I've always paid the bill although admittedly I did pay it late once. But I must have been doing ok because I'd gotten several limit increases. Then all of a sudden they dropped my limit from $650 to $150 overnight with no warning and no reason given. My credit score hadn't dropped, my employment and income are the same, and it'd been over two years since that one late payment. So through no fault of my own that I'm aware of, now my credit usage has gone up on that account. My balance is a little over $100 which was fine with a $650 limit, but with the new $150 limit it is maxed out. This in turn made my credit score go down, which makes me worry my other credit cards might do the same thing, causing it to go down even further. So this balance chasing is why I give it only three stars instead of five.
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