Carter's® Credit Card Review: Rewards, Fees & Benefits

Rewards

Reward TypePoints

Base Rate2x / 2%

Bonus RateUp to 2x

Travel Portal1x

Category	Rate	Type	Cap
Carter's Family Brands Purchases made at Carter's, OshKosh B'gosh, and Skip Hop stores and websites.	2x	Points	No cap
All Other Purchases All other purchases where Visa is accepted.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee There is no annual fee for the Carter's Credit Card.	Financial	$0 annual fee Up to $0
Birthday Offer Cardholders receive a special birthday offer. To be eligible, cardholders must have made a purchase within the last 12 months and have a valid email address on file. The offer will be sent via email.	Lifestyle	Special offer
Early Access to Sales and Events Cardholders receive early access to special sales and exclusive events.	Lifestyle	Early access
Exclusive Savings Cardholders receive access to exclusive savings and promotions throughout the year.	Shopping	Access to exclusive savings
Free Shipping Cardholders receive free standard shipping on every order made at Carter's, OshKosh B'gosh, and Skip Hop stores online when using their Carter's Credit Card.	Shopping	Free standard shipping
Points Earning Earn 2 points for every $1 spent on Net Eligible Purchases at Carter's, OshKosh B'gosh, and Skip Hop stores and online in the U.S. Net Eligible Purchases are purchases of goods and services for personal, family and household purposes made by you or an authorized user of the Account minus any returns, refunds or other adjustments. Points are not earned on unauthorized/fraudulent charges, interest, fees, or purchases made with a Reward or gift card.	Shopping	2 points per $1 spent
Reward Redemption Receive a $10 Reward for every 200 points earned. Rewards are issued in $10 increments and can be redeemed for purchases at Carter's, OshKosh B'gosh, and Skip Hop stores and online. Rewards expire 45 days from the date of issuance and cannot be used for previous purchases, gift cards, or as payment on your Account.	Shopping	$10 Reward for 200 points Up to $10

Interest Rates

Purchase APR32.24% Variable

Cash Advance APR32.24%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months or if you make a late payment.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 5% of the amount of each balance transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Student EligibleNo

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $300 – No limit listed

AvailabilityPR

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending (MS) or spending patterns inconsistent with typical retail purchases, excessive credit seeking across multiple issuers, rapid accumulation of high credit limits, bouncing payments or late payments on any Amex account, abuse of return policies or promotional offers specific to Carter's, sudden drastic changes in spending behavior, or failure to maintain good standing across all Amex products.

Cliff Effect Rules

The Carter's credit card is generally considered a standalone co-branded product. While it does not typically have 'family' upgrade/downgrade rules like core Amex products, it is subject to overall American Express credit card limits and application velocity rules. Holding this card does not generally preclude eligibility for other Amex products, provided overall issuer limits are respected.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Welcome Bonus Rule: One welcome bonus per specific card product per lifetime. Application Rule: Maximum of 2 credit card approvals within any 90-day period (Amex 2/90 rule). Eligibility Requirements: Applicants typically need a good to excellent credit score (FICO 670+ recommended), a stable income, and a positive credit history. Existing American Express cardholders may have a slight advantage, but new applicants are also considered.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Federal law provides protections to members of the Armed Forces and their dependents, limiting the cost of consumer credit to an annual percentage rate of 36 percent, including certain fees.

Carter's® Credit Card