Catherines Credit Card Review: Rewards, Fees & Benefits

Rewards

Reward TypePoints

Bonus RateUp to 2x

Point Value~0.05¢ each

Travel Portal1x

Category	Rate	Type	Cap
Catherines Purchases Purchases made at Catherines stores, Catherines.com, and through the Catherines catalog.	2x	Points	No cap
All Other Purchases Purchases made everywhere else Visa is accepted.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Birthday Reward Cardholders receive a special offer or discount during their birthday month each year.	Lifestyle	Special offer
Catherines Rewards Earning Earn 2 points for every $1 spent on purchases at Catherines with your Catherines Credit Card.	Shopping	2 points per $1 spent
Catherines Rewards Redemption Receive a $10 reward certificate for every 200 points accumulated through the Catherines Rewards Program.	Shopping	$10 reward for 200 points Up to $10
Exclusive Cardholder Offers Access to special sales events, discounts, and promotions available only to Catherines Credit Cardholders throughout the year.	Shopping	Varies by promotion
First Purchase Discount Cardholders receive 20% off their first purchase made with the Catherines Credit Card upon account opening and first use.	Shopping	20% off
Free Standard Shipping Cardholders receive free standard shipping on any Catherines.com order when using their Catherines Credit Card.	Shopping	Free standard shipping

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: No interest if paid in full within 12 months. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months or if you make a late payment. Minimum monthly payments required. The APR for Purchases is 29.99% (variable). Valid for single-receipt purchases of $750 or more. Offer is exclusive to Catherines Credit Card holders. See store associate for details. Offer may be changed or discontinued at any time.

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 580–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Credit Limit Range $300 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer

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

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Amex cards, abuse of welcome offers, unusual spending patterns, sudden large payments from external accounts, cycling credit limits, failure to pay on time, bankruptcy filings, or suspected fraud.

Cliff Effect Rules

American Express enforces a 'family rule' where welcome bonuses may be restricted if an applicant has previously held or currently holds certain related cards within the same product family (e.g., different versions of a co-branded card or cards with similar benefits). The 'one welcome bonus per card per lifetime' rule is the primary cliff effect for this specific card, preventing multiple welcome bonuses for the exact same product.

International Friendly

May have limitations for international use.

Additional Issuer Rules

American Express enforces a 'one welcome bonus per card per lifetime' rule, meaning you are generally eligible for a welcome offer only once for this specific card product. Additionally, American Express has an application restriction of a maximum of 2 credit card approvals every 90 days. Eligibility requirements for the Catherines Credit Card typically include being 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), possessing a good to excellent credit score (generally 670+ FICO), and demonstrating sufficient income to meet payment obligations.

Catherines Credit Card