Should I Use A Carters Credit Card In 2023?

published on: April 10, 2023 last updated on: November 20, 2023
Carters Credit Card

Getting a credit card specifically for shopping has become one of the most confusing choices in 2023. With so many banks offering credit cards with various benefits, we all have been spoilt with the concept of choice. This is why you should learn as much as possible about different credit cards, like the Carters Credit Card.

Carters Credit Card Benefits

When it comes to opening your account with a bank and getting a credit card, you will always do so with a bank that provides the most benefits.

Therefore, if you are interested in Carters Credit Card, here are some of the exclusive benefits that you will receive:

Carters Credit Card Benefits

1. Earn Points With Each Purchase

Every time you purchase products with this credit card, you earn points for every dollar spent. You will get 3 points for every dollar you spend using this credit card. You accumulate them in your account, which you can trade in later on for special discounts, offers, and gifts!

2. Bonus Triple Point Days

You are entitled to three bonus days yearly to get three times more points per dollar. Therefore, you can use this chance to earn 9 points per dollar! The best thing is that you get to choose the days! Therefore, get 3x points on days you know you will be shopping a lot!

3. Birthday Specials

Carters Credit Card will provide unique gifts and various offers and discounts on your birthday! Therefore, spend your birthday lavishly when you have Carters pay by your side!

4. Introductory Savings

When you get your Carters Credit Card for the first time, you can avail of up to 30% discounts on your first purchase! This introductory discount is reminiscent of what’s offered using MyKohl’sCard and Kohl’s Bill Pay.

5. Free Shipping

As a Carter’s Credit Card holder, you can get free shipping on various deliveries! However, this might be limited to only a few stores. There are three partnered Carter’s shops with guaranteed free shipping – Carter’s, Skip Hop, OshKosh B’Gosh, and Little Planet!

6. Annual Gifts And Special Events

Since Carter’s treats all their cardholders as esteemed members, you will get an annual gift from them every time you complete a year with them. Therefore, expect free gifts to appear at your doorstep on every anniversary of your credit relationship with Carter’s! Also, there will be special shopping events for you to participate in!

Carters Credit Card Interest Rates And Other Fees

Before you decide on getting a Carter’s Credit Card, you must be interested in knowing their interest rates and fees. If you think the rates and fees are too high, you can back out before your Carters Credit Card apply!

 Interest Rates

1. Annual Percentage Rate (APR)

APR refers to the annual interest that gets calculated on the total amount that you have borrowed. Since credit card purchases are a type of loan, you will be charged interest if the remaining unpaid amount gets carried over to the following year.

At Carter’s, you will be charged an AP of 30.49%. However, this rate is subject to change. This change might occur since it’s based on the Prime market rate. Additionally, the minimum interest amount cannot be less than $2.

2. Can You Avoid Paying Interest?

Yes, there is a way that makes you not pay interest rates – which is paying your due balance by the due date.

You must make your Carters Credit card payments by the due date of  25 days from the date of purchase. If you fail to do so, you will get a grace period of 5 days (a total of 30 days) for you to do so. If you fail, you will be barred from getting a grace period again for the subsequent two billing periods.

3. Fees

Unlike other banks like Mission Lane login and Destiny Credit Card login, Carters Credit Card login has no annual fees. However, you will be charged a late payment fee and a refund fee, which are as follows:

  • Refund Fees: maximum $41.
  • Late Payment Fees: maximum $41 (for regular late payers). If you have an excellent credit score with Carter’s, your late payment fees will be $30.

Carters Credit Card Login And Registration

Carters Credit Card Login

If you wish to Carters Credit card Apply and then log in, follow the steps below:

  1. Open the official Comenity Capital Bank Carters credit card website.
  2. Next, click on Credit Card Apply.
  3. Now you have to fill out the form that appears on the screen. This includes information like address, name, and social security number.
  4. After filling out the form, tick the checkbox of the “I give my consent” option, followed by clicking on Submit Application.
  5. Next, you have to create a username and password for your account.
  6. Finally, finish the registration process by verifying your verification email sent to your registered email ID.

After they finish reviewing and accepting your form, you can log in from the website using your login credentials!

Carters Credit Card Eligibility Criteria

During your application review process, Comenity Bank will check for the following:

  • Your age: 18+.
  • The ID card you have registered with the government.
  • Financial credentials like your Tax ID number (SIN or SSN number)
  • Your address.

How To Make Carters Credit Card Payments?

There are two official ways to make your Carters Credit Card payments. They are as follows:


1. Online  

Paying your dues online is the best way to do so. It’s easy, quick, and convenient for all users. Here’s how to make due payments online:

  1. Open the official Comenity Capital Bank Carters credit card website.
  2. Click on the Carters Credit card login option on the top and enter your credentials to log in.
  3. Then, click on Manage Your Account.
  4. Now, click on Dues and Payments.
  5. After the list turns up, click on Pay Now!
  6. Now, you must enter your payment details, like your credit card number and your security code.
  7. After updating the details, click on Pay Now to complete this process.

2. By Mail

While paying dues online is the best way, you can also pay it by sending a cheque through the mail. If you wish to use this way, here’s the mailing address – Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003. However, note that this might take more time.

Final Verdict: Is The Carters Credit Card Worth It In 2023?

The Carters Credit Card is a valuable credit card if you shop from stores like Carter’s, Skip Hop, Little Planet, and OshKosh B’Gosh. Apart from that, it’s still a decent credit card that you can use to avail of various discounts, offers, and many more special prizes!

Forgot My Carter’s Credit Card Username & Password: How To Reset?

Are you worried because you forgot Carters Credit Card Account login information? Calm down. There is no need to worry.  The password recovery process of Carter’s Credit Card is pretty easy. Here is how you can do it. 

  • First, you have to open the Carter’s Cominity home page for your credit card. Now click on the option reading Sign In.
  • If you forgot the password, the input you have given will show “wrong password” notification. Below this option you will see an option reading “Forgot your username/password.”
  • Once you click on the “Forgot Password,” it will take you to a page. There you have to provide some information to change your password.
  • You have to use your Zip Code, Credit Card Number, Social Security Number (SSN), and the last 4 digits of the SSN.
  • Are you done entering all these information? now you have to click on the option reading ‘Find My Account.
  • Now you are all set. It will retrieve your access to your account. Also, you will regain access to your account.

How To Activate Carters Credit Card?

Are you an account holder of Carter Credit Card Holder? If you are a new card user then you would w ant to know how to activate the card. Here are the simple methods for activating your Carters Credit card. You can easily activate it by calling this number – 18775635767.

But, if you want to do it using your browser, then follow these steps -First, open your browser. Then Type in – – at the URL search bar.

  • Click on the option reading Activate Card.
  • Use your Credit Card Number and your Expiry Date.
  • Select Identity Type. Next, enter the last 4 digits of the Identity Number.
  • Provide your zip code.
  • Click on Continue
  • Follow the instructions you see on the screen.
  • Activate the Carters Credit Card.

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Debamalya Mukherjee

An active fintech enthusiast, Debamalya has spent around half a decade trying to help people understand the nuances of technology and finances through his writing. Apart from being a phenomenal writer, he believes money can buy happiness - as long as you know how to use it wisely! He’s legit, out on a mission to help people earn more and spend them wisely. In fact, he believes that it is literally ‘his calling’ to become a professional tech and finance blogger for

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