Comenity Bank Carters Credit Card 2023 Review, Phone Number

Check all the latest information related to Carter’s Credit Card in this article. What are the fee and different types of charges and interest rates?

What are the benefits and drawbacks of Carter’s credit card? Check all the latest and updated information in this article.

Carters INC

Carters INC is an American multinational kids’ clothing and fashion retail chain comprising many brands under its names such as Carter’s, OshKosh B’gosh, Skip Hop, Simple Joys, Just One You, Genuine Kids, Child of Mine, and Precious Firsts.

All brands cater to different needs of newborns and infants Kids’ Parents such as clothing, bedding, accessories, diaper, strollers, bath toys, gifts, etc.  Carter’s INC was started in 1865 and currently operates around 600 stores in the United States.

it is the largest branded marketer of Kids’ clothing and fashion products in the country

Related articles:

Carters Credit Card

Carters offers Credit Cards to its customers for hassle-free payment and saves on shopping through the online portal and in-store. Customers get reward points on every purchase and can redeem these reward points easily.

Carter’s does not issue any Credit Cards instead it has partnered with Comenity Capital Bank which is the issuer of the Carters Credit Card on behalf of Carters Inc.

Carters credit card benefits:

Some of the benefits are mentioned below.

This credit card provides a lot of benefits to those who regularly purchase through carter’s brands. Some of the important benefits are mentioned below.

Introductory offer: If you apply for a new Carter’s credit card then you will get 30% off on the first purchase after approval and opening of the account and using it on the same day and 20% offers on the first purchase when you receive your credit card.

Benefits: All new cardholders will be automatically enrolled in the MY REWARDING MOMENTS program where they will get some exciting benefits and rewards points facilities.

  • Get free shipping on every purchase.
  • The cardholder will get the exclusive sale invites early.
  • Get financial freedom to fulfill your desired purchase for your loving kids and enjoy the best quality products through a convenient and easy process.
  • Cardholders will have access to other exclusive schemes such as extra points in the app, birthday specials, and surprise triple points days where customers will earn 3 points on every $1 spent.

Fee & charges:

  • Carter’s Credit Card comes with zero annual fees.
  • A variable Annual Percentage Rate (APR) of 28.99% will be applied.
  • The minimum interest charge will be $2 if applied.
  • Late payment and returned payment penalty will be up to $41. however, you will be charged $30 if there was no penalty imposed during the last six billing cycles.

My Rewarding Moments Loyalty Program

My Rewarding Moments is a free Loyalty program run by the Carters and other families of brands for the customers to earn rewards faster and easily.

New Carter’s credit card customers will be automatically enrolled in the My Rewarding Moments program.

  • On every $1 purchase through Carter’s Credit Card, you will earn 2 reward points.
  • If customers enroll in the My Rewarding Moments program then they will get $10 for 150 points spent. It means 100 points for every $75 spent. It means cardholders will get 13.33% back through rewards points which is very high than similar credit cards.

Reward points redemption:

All My rewarding moment members will be eligible to redeem their rewards points at any Carter family of brands. Once customers reached the 150-point reward level they will receive a $10 reward. Customers will get an email regarding this.

Note: Although the reward rates are very high, there are a few limitations also. Once you earn Rewards points they will be valid only for a six-month period.

All Dollar Rewards will expire 45 days after the date of issuance. So you will have to make another purchase to redeem your Rewards Dollars within 45 days.

How to become a My Rewarding Moments member?

All customers above 18 years of age can join the My Rewarding Moments program.

Joining is absolutely free of cost and customers can enroll themselves by visiting any one of the official websites at, or

Customers can also visit any U.S. Carter’s or OshKosh B’gosh stores or outlets.

How to check reward program activity?

Customers can check their program activity by logging in to the official website

For more information or any type of help related to the My Rewarding Moments program, please call customer service at 1-877-333-0117.

Customer Service

All cardholders can take help from the dedicated customer service team through the below-mentioned contact details.

Credit Card Customer Care1-877-563-5767
Mail addressComenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003

Don’t forget to include your name, address, phone number, and Account number while sending mail.

Official website
Credit card page on carters website
Carters credit account management page


Name of the cardCarters Credit Card
Card issuerComenity Capital Bank
Credit card network providerNone
Who can applyAll Carters customers
Required credit scoreFair to good

Frequently asked questions

What will be the Credit Limit of a new Credit Card?

The credit limit depends on many factors such as your purchase and repayment history, your credit profile and annual income, etc.

It will be identified after the approval of your Credit Card application and will be informed to you.

How can I cancel paper communication?

You can enroll in the free Paperless Communication service through your account. You will receive important communication on your email id and mobile number.

How to download the Carters credit card app

Customers will receive extra rewards points if they download the Carter mobile app. Customers can download the mobile app from the official website.

Mobile apps for both Android and iOS platforms are available.

i-Open Carter’s credit card page.
ii-Move down the page, and you will see links for Android and iOS apps.
iii-Click the app link according to your device. You will be redirected to the app download page.
iv-Download the app on your device and log in by using your user id and password.

Direct app download links:

Carters Android app download

Carters iOS app download


It was all about the Carter’s Credit Card. There are some drawbacks and some benefits of this credit card. First of all, it’s a store card designed to use at the Carters and other family brands’ stores and online websites.

There are no Mastercard or Visa benefits and customers can not use it outside Carters. If we talk about the benefits, Customers are getting a very high rewards points rate and they can save around 13.33% on every purchase.

Also, keep in mind that the duration to redeem Rewards is only 45 days. If you shop regularly at Carter’s family of brands then Carter’s credit card is highly recommended.

Leave a Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.