Carter’s Credit Card: Gargantuan or Teeny Savings?

Besides Children’s Place, American Eagle Outfitters, Kohl’s, Nordstrom, and Old Navy, Carter’s is the ideal place to shop for your children’s clothes. Not only does it offer the quality in all its products, but it also provides excellent deals for you. And to make it more friendly to parents hoping to save some when shopping for their kids’ clothes, the store started the My Rewarding Moments that allows shoppers to earn points. Then, the store began offering Carter’s credit card to further enhance the rewards program. Nonetheless, is it necessary?

Carter's credit card application

Carter’s Credit Card

Intro Bonus: 25% Discount

Regular APR: 25.99%

Credit Score: Fair to Good

Annual Fee: $0


  • You can convert 150 points to a $10 reward.
  • Surprise birthday offer is limited to 1 offer per child each year. Up to 4 children may be registered.
  • The $10 reward will expire 45 days from the date of issuance.
  • Cardholders can earn 2 points per dollar during regular days.
  • Carter’s credit card provides additional benefits such as free shipping, annual gift, and access to exclusive events.

Carter’s Credit Card Review:

Carter's My Rewarding Moments Rewards Program

Carter’s My Rewarding Moments Rewards Program

Most stores have rewards programs that allow shoppers to gather points and experience benefits whenever they purchase items. Carter’s also has one called My Rewarding Moments. Through this program, you can earn points on any eligible purchase at a Carter’s or OshKosh store in the US or at,, or

Basically, the program grants 1 point for every $1 spent on Carter’s purchases. It also provides other perks such as surprise birthday offers, sneak peeks, double points days, and bonus days. However, with the use of Carter’s credit card, your points earning can be increased, and you’ll receive a better set of benefits.

Carter's Cardholder Benefits

Carter’s Cardholder Benefits

Carter’s credit card comes with $0 annual just like any other closed-loop credit card from different stores. And just like the other, its APR and penalty fees are something to watch out for as they come at 25.99% and up to $40, respectively. With this, you can say that it is pretty much a typical store card. However, it can come in handy if Carter’s is your top destination for your kid’s apparel.

Getting the card will entitle you to a 25% discount on your first Carter’s credit card purchase and another 20% when your card arrives. It also grants you the same perks as the non-card program members receive, though few additions are included. Some of them are access to exclusive events of the store, annual gifts, and free shipping. 

The collection of points can also be faster using the card. Unlike the regular members, cardmembers can pick 3 bonus days. They also get surprise points perks, which will allow them to earn three points from each dollar. Most of all, the card itself can generate two points for each dollar used during regular days.

All My Rewarding Moments program members (non-card members and cardholders) can convert 150 points for a $10 Reward. However, this part can be challenging for any program member as the points will expire 6 months after being earned. This means you need to at least reach the indicated number of points within the specified time frame, or you’ll lose the points you’ve collected before. 

Final Thoughts:

Is Carter’s credit card worth it? This depends on how frequently you shop at Carter’s stores. If you think you spend enough at the said place, the card can be an excellent addition to your wallet. You can enjoy a $10 reward for every 150 points collected, but the rate of earning these points can be a massive challenge for anyone. The points earning rate is not impressive even if you are already a cardholder member of the program. Plus, the points expire, which means there is always a risk of losing your reward.

A better alternative for Carter’s credit card would be the general rewards cards. The points usually accumulated in such cards will not expire as long as your account remains active. They also offer better flexibility. Not only can you use them and earn points everywhere, but they also provide a plethora of redeeming options. If you need some suggestions, you can check our latest reviews of credit cards from Wells Fargo, Citi, Capital One, Bank of America, Discover, Amex, and Chase. These issuers have rich portfolios of credit cards you can scrutinize, and regardless of what kind of spender you are, we’re sure you can find one in them that will suit your needs.