My Place Rewards Credit Card Review: Rewards, Fees & Benefits

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 2x

Point Value~0.05¢ each

ExpirationPoints expire 12 months from the date they are earned.

Redemption NotesRedeemable only for merchandise at The Children's Place and Gymboree stores/online. Not valid for gift cards, previous purchases, or account payments. Not transferable. No cash back. Limit one Reward Certificate per transaction. Maximum of $50 in Reward Certificates may be redeemed per day. Reward Certificates expire 60 days from issuance.

Category	Rate	Type	Cap
The Children's Place and Brand Family Purchases Earn 2 points per $1 spent on eligible purchases at The Children's Place and affiliated brands (Gymboree, Sugar & Jade, and PJ Place) when using the credit card.	2x	Points	No cap
All Other Purchases Earn 1 point per $1 spent on all other purchases everywhere Visa credit cards are accepted.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee There is no annual fee associated with the My Place Rewards Credit Card.	Financial	No annual fee Up to $0
Special Birthday Offer Cardholders receive a special offer during their birthday month.	Lifestyle	Varies by offer
Accelerated Rewards Earning at The Children's Place & Gymboree Cardholders earn 2 My Place Rewards points for every $1 spent on purchases made at The Children's Place and Gymboree stores and online using their My Place Rewards Credit Card.	Rewards	2 points per $1
Reward Certificate Redemption For every 200 My Place Rewards points earned, cardholders receive a $10 reward certificate. Certificates expire 45 days from issuance.	Rewards	$10 for 200 points Up to $10
Standard Rewards Earning Everywhere Else (Mastercard) Cardholders with the My Place Rewards Mastercard Credit Card earn 1 My Place Rewards point for every $1 spent on purchases made everywhere else Mastercard is accepted.	Rewards	1 point per $1
Exclusive Cardholder Offers Cardholders receive access to exclusive offers and promotions throughout the year.	Shopping	Varies by offer
Free Standard Shipping Cardholders receive free standard shipping on all online purchases made at childrenplace.com and gymboree.com when using their My Place Rewards Credit Card.	Shopping	Free standard shipping
Initial Purchase Discount New cardholders receive 20% off their first purchase made with the My Place Rewards Credit Card upon account opening.	Shopping	20% off first purchase
Earn Preferred Status Cardholders achieve My Place Rewards Credit Card Preferred Status by spending $750 or more on their My Place Rewards Credit Card within a program year.	Status Benefits	$750 annual spend
Preferred Status - Birthday Bonus Preferred Status cardholders receive an enhanced birthday offer during their birthday month.	Status Benefits	Enhanced offer
Preferred Status - Exclusive Offers Preferred Status cardholders receive access to enhanced exclusive offers and promotions throughout the year.	Status Benefits	Varies by offer
Preferred Status - Extra Points Days Preferred Status cardholders receive special invitations to earn extra My Place Rewards points on select days.	Status Benefits	Varies by offer
Preferred Status - Free Expedited Shipping Preferred Status cardholders receive free expedited shipping on all online purchases made at childrenplace.com and gymboree.com when using their My Place Rewards Credit Card.	Status Benefits	Free expedited shipping

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

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 or 12 months or if you make a late payment.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

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 DifficultyEasy

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Issuer Rules & Restrictions

Maximum Cards per Issuer

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

Shutdown Risk Triggers

Manufactured spending (e.g., excessive gift card purchases, payment of non-qualifying bills), high cumulative credit limit across all Amex cards relative to income, suspicious spending patterns inconsistent with normal behavior, rapid cycling of credit (applying for and canceling cards frequently), gaming welcome offers (e.g., meeting spend with refundable purchases, applying for multiple cards in a short period beyond the 2/90 rule), not paying bills on time, excessive returns, or credit cycling.

Cliff Effect Rules

American Express generally enforces 'family rules' where eligibility for a welcome bonus on one card product may preclude eligibility for a bonus on a similar or 'family' card product (e.g., different versions of a co-branded card or cards within the same rewards ecosystem). While 'my-place-rewards-credit-card' is treated as a distinct product for its lifetime bonus rule, applicants should be aware of potential broader Amex family rules that might impact eligibility for other Amex products if 'my-place-rewards-credit-card' is part of a larger 'My Place' or co-branded suite.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

For the 'my-place-rewards-credit-card' in 2026, American Express maintains its 'one welcome bonus per card per lifetime' rule, meaning applicants are eligible for the welcome offer only if they have not previously held this specific card product and received its welcome bonus. Additionally, American Express's '2/90 rule' applies, limiting applicants to a maximum of two credit card approvals within any 90-day period across all Amex credit card products. Eligibility generally requires a good to excellent credit score (typically FICO 670+), a stable income, and no recent bankruptcies or defaults. Amex may also consider the applicant's existing relationship and credit history with the issuer.

My Place Rewards Credit Card