The Carter’s® Credit Card

• On your first Carter’s® Credit Card purchase, you receive 30% off within 24 hours of account opening⁶

• With purchase on your Carter’s® Credit Card, you receive free shipping every day¹

• With purchase on your Carter’s® Credit Card, you earn 2 points on every $1 spent²

No, the Carter’s® Credit Card does not charge an annual fee.²⁰

No, the Carter’s® Credit Card cannot be used at other stores. It can be used at any U.S. Carter’s or OshKosh B’gosh location or online at carters.com.

You can apply for the Carter’s® Credit Card online at carters.com/creditcard-login or by asking an associate in any Carter’s or OshKosh B’gosh store.

To apply for the Carter’s® Credit Card, you must:

• Be a Carter’s Rewards member and have an email address

• Be at the age of majority in your state or territory

• Have a valid government-issued photo ID

• Have a valid government issued tax identification number, such as a Social Security number or Social Insurance Number

• Have a street, rural route, or APO/FPO mailing address

Bread Financial can provide the most accurate information about how applying for the Carter’s® Credit Card may impact your credit score. Learn more here: breadfinancial.com/en/help-center.html

You’ll receive a decision in the mail to the address you provided in your application within 10 days of applying.

To earn rewards¹⁹: For every 100 points you earn, you will receive a $5 reward⁵ in your Carter’s Rewards account.

To redeem rewards¹⁹: You can apply your reward online during checkout on carters.com or present the reward in-store to an associate at checkout for redemption. Rewards cannot be redeemed for gift cards.

Rewards¹⁹ expire 45 days after being issued.

Yes, you can use your rewards¹⁹ alongside other promotions. Rewards are applied first at checkout, then any eligible discounts or sale prices are applied.

Yes! Carter’s® Credit Cardholders receive a $10 off annual gift⁷ on their cardholder anniversary and can choose one 3X points day⁸ ($1 spent = 3 points) per year when making a purchase with their Carter’s® Credit Card.

To make payments or review transactions on the Carter’s® Credit Card, log in to your Bread Financial account or use the Bread Financial™ app.

Yes. To enroll in automatic payments for your Carter’s® Credit Card, log in to your Bread Financial account or use the Bread Financial™ app.

To check your account balance and transaction history, sign in to your Bread Financial account or use the Bread Financial™ app.

If you are the primary cardholder, you may add an authorized user¹⁷ to your Carter’s® Credit Card by logging into your Bread Financial account or using the Bread Financial™ app.

If your card is lost or stolen, please contact Bread Financial at +1 (877) 563-6767, Monday through Saturday, from 8:00 am – 9:00 pm ET.

If you close your Carter’s® Credit Card account with Bread Financial, your rewards¹⁹ will still be accessible in your Carter’s Rewards account.

Yes. You can manage your Carter’s® Credit Card using the Bread Financial™ app.

The Carter’s® Credit Card is issued by Comenity Capital Bank. Comenity Capital Bank is a wholly owned subsidiary of Bread Financial.

Yes. If your payment is late, a late fee of up to $41 may apply. If a payment is returned or not processed, a returned payment fee of up to $41 may be charged.

Yes. You can request a credit limit increase²³ with the Carter’s® Credit Card by signing in to your Bread Financial account or by calling Bread Financial at +1 (877) 563-6767, Monday through Saturday, from 8:00 am – 9:00 pm ET.