Carters Credit Card: A Comprehensive Guide

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Carters is a well-known clothing brand for children and babies, with a wide range of products including clothing, shoes, and accessories. Many customers enjoy shopping at Carters, and the brand has a loyal following. To make shopping at Carters even more convenient, the company offers its own credit card. In this article, we will take a comprehensive look at the carters credit card, including the benefits, fees, and how to apply.

Benefits of the Carters Credit Card

  1. Exclusive discounts and promotions: As a Carters credit card holder, you will receive exclusive discounts and promotions that are not available to the general public. This can include discounts on purchase, free shipping, and early access to sales.
  2. Earn rewards: With the Carters credit card, you can earn rewards for every purchase you make. These rewards can be redeemed for discounts on future purchases or for other rewards such as gift cards.
  3. Convenient shopping: The Carters credit card makes shopping at Carters even more convenient. You can use your card to make purchases in-store or online, and you can easily check your account balance and transaction history online.
  4. Easy returns: If you need to return an item purchased with your Carters credit card, the process is simple and easy. You can return the item to any Carters store or by mail, and you will receive a refund to your credit card account.

Fees and Interest Rates

  1. Annual fee: The Carters credit card has a $0 annual fee.
  2. Interest rate: The interest rate for the Carters credit card is 28.99% (APR).
  3. Late payment fee: If you miss a payment, you will be charged a late payment fee of up to $38.
  4. Returned payment fee: If your payment is returned, you will be charged a returned payment fee of up to $38.

How to Apply for the Carters Credit Card

  1. Visit the Carters website: Go to the Carters website and click on the “Credit Card” link.
  2. Complete the application: Fill out the online application with your personal and financial information.
  3. Submit the application: Once you have completed the application, submit it for review.
  4. Wait for approval: You will receive a decision on your application within a few minutes. If approved, you will receive your new credit card in the mail within 7-10 business days.


The Carters credit card is a great option for those who frequently shop at Carters. With exclusive discounts and promotions, the ability to earn rewards, and easy returns, the card offers many benefits for its users. Additionally, with no annual fee and a relatively low interest rate, the Carters credit card is a cost-effective choice. If you’re a regular Carters shopper, consider applying for the credit card to take advantage of all its benefits.

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