This Children’s Place credit card review discloses all details, benefits, advantages and drawbacks of this credit card. Particularly, you can learn about the credit card’s rewards, benefits, interest rate, fees, required credit, and much more. Additionally, you can find out how to apply for this credit card or how to log in to an existing credit card account of yours online.
Children’s Place Credit Card Review
Purchase APR: 27.49% variable
Late payment fee: up to $39
Returned payment fee: up to $39
Recommended credit score: from 650 to 850
Who may get this credit card: customers who shop at Chidren’s Place
Credit card features:
- Receive 2 points for every $1 spent at Children’s Place
- Free standard shipping on online orders
- 30% off your first purchase
- 20% off for your future purchase after you receive your credit card
- 25% off for your kid’s birthday.
At a first glance, this credit card from Children’s Place offers quite worthy benefits. Yet, everything truly that promising? Let’s check out the details of this card in our Children’s Place credit card review.
First of all, we ought to say that this is (obviously) a store branded credit card, issued by Comenity Bank. There are a couple of aspects about such credit cards. Firstly, it comes with a zero annual fee and a staggering interest rate, which is something normal for subprime credit cards. The credit score requirements are, however, also quite low. Yet, since this credit card is not a part of Visa or MasterCard networks, you can use it only at Children’s Place.
When it comes to the rewards, this credit card is definitely worth getting. Actually, the appeal of this credit card is the reward rate: you will receive 2 points for every $1 spent in Children’s Place stores. When you accumulate 100 points, you can exchange them for a $5 certificate. This, in turn, leaves you with a 10% reward rate – a whopping rate of rewards! Even the Talbots credit card (also from Comenity) offers a decent 6% reward rate, which is, however, much lower.
Additionally, the card comes with a great number of other features. First of all, you will get 30% off your first purchase with the use of this credit card. Secondly, the card comes with a 20% off promo code for your future purchase. And besides, you will get 25% off on your kid’s birthday. To top it all, this credit card also offers free standard shipping on online orders.
To sum up, this credit card offers a perfect combination of generous rewards, a great number of benefits, and no annual fee. If you often make purchases at Children’s Place, getting this credit card is a must. However, carrying a balance on this card would be unwise – the interest rate is too high, so we don’t recommend to step out of the grace period.
Apply for Children’s Place Credit Card
If you read our Children’s Place credit card review and wanted to get this credit card, then you should submit your application. In this part of our article, we will demonstrate you how to apply for a Children’s Place card step by step.
- In the first place, you should click on the following button in order to open the webpage of Comenity Bank:
- On that page, you should click on the “Apply Now” button, placed in the center of the page.
- After doing so, you will be redirected to the page with an application form. So, you should start filling it out in order to apply for this card.
- At first, you have to provide your contact information: first and last name, address, mobile phone number, and email address.
- Then, you should enter your personal information: date of birth and social security number.
- At the bottom of the page, you will get to see the terms and conditions. Please, read them attentively and carefully.
- Once you are done, check the box near “By checking…” and click on the “SUBMIT TO OPEN AN ACCOUNT” button.
- At the end, you will get to see whether you have been approved for this credit card. Done!
Children’s Place Credit Card Login
If you already have this card, you can sign up for online access – this will allow you to manage your credit card online. After that, however, you will need to sign in to your account each time you will wish to manage your card online. Here, you can see how to sign in to your credit card account online.
- In the first place, you should open the webpage of Comenity Bank by clicking here:
- On that page, you will get to see the Children’s Place credit card login form on the left. Actually, that’s the place where you can log in to your card account online.
- At first, you have to enter the username of your online banking account in the first field.
- Next, you should type your password in the next field.
- Besides, you may choose to check the box near “Remember Me” and save your username for future sessions.
- At the end, you should click on the “Sign In” button. In a moment, you will get signed in to your card account online.
Children’s Place Credit Card Payment
At the present time, there are three typical ways of paying a Children’s Place card: online, in store and by mail. Here, we will disclose how each of these ways work.
Indeed, paying your credit card online is the easiest and most convenient way. For that purpose, we recommend you to stick to the instructions from the “Login” part of our article in order to access your card account online. Once you will do it, you will be able to make a payment on your card right there.
Secondly, Children’s Place also allows you to pay your card in store. For that matter, we recommend you to bring a checkbook and credit card details with you.
After all, you may decide to send your payment by mail. Then, you can use the following address of Comenity Bank for that matter:
Comenity Capital Bank
P.O. Box 659820
San Antonio, TX 78268-9120.
Credit Card Alternatives
Indeed, it is hard to beat the rewards offered by this Children’s Place card. However, you may have a look at the credit cards below, which come with generous rewards as well.
U.S. Bank Visa Platinum Credit Card
Purchase APR: from 13.99% to 24.99% variable
Balance Transfer APR: from 13.99% to 24.99% variable
Recommended credit score: from 720 to 850
Credit card features:
- 0% intro APR period on balance transfers and purchases during the first 18 months
- Fraud protection tools: zero fraud liability and free notifications about unusual activities
- Flexibility to choose a due date for payments
- Cell phone protection.
Discover It Cash Back Credit Card
Purchase APR: from 13.49% to 24.49% variable
Balance Transfer APR: from 13.49% to 24.49% variable
Recommended credit score: from 690 to 850
Credit card features:
- No foreign transaction fee
- Earn 5% cash back on category purchases for up to $1,500 per quarter
- Receive unlimited 1% cash back on all other purchases
- 0% intro purchase and balance transfer APR during the first 14 months
- Your rewards do not expire as long as your account remains open, and you can redeem them at any time.
Wells Fargo Cash Wise Visa Card
Purchase APR: from 15.49% to 27.49%
Balance Transfer APR: from 15.49% to 27.49%
Recommended credit score: from 690 to 850
Credit card features:
- Enjoy 0% intro APR period on purchases and balance transfers during the first 15 months
- Receive unlimited 1.5% cash back on all purchases
- Cash back rewards do not expire as long as your account remains open
- Receive a $150 welcome bonus after spending $500 within the first 3 months
- Zero fraud liability protection and 24/7 fraud monitoring.
FAQ
Q: How does the Children’s Place credit card work?
Actually, you can use the credit card from Children’s Place only in Children’s Place stores. For every purchase, you will receive 2 points for every $1 spent. Basically, you can enjoy the astonishing 10% reward rate.
Q: What bank services Children’s Place credit card?
At the present time, Comenity Bank, one of the largest U.S. card issuers, services Children’s Place.
Q: Where can Children’s Place credit card be used?
Since this credit card is not a part of a larger network (such as MasterCard or Visa), you can use it only in Children’s Place stores or on the company’s website.
Q: How good does your credit have to be for a Children’s Place credit card?
Actually, we recommend you to have a credit score of at least 650, or fair. Nonetheless, occasionally even customers with the 550s scores are accepted.
Q: What credit score is needed to get a Children’s Place credit card?
In order to be accepted for this credit card, it is recommended to have a fair credit, starting with 650.
Q: How hard is it to get a Children’s Place credit card?
Considering that you may be accepted with a fair (and, perhaps, even with a poor credit), it is not that difficult to get this credit card. After all, this is a subprime credit card.
Q: How to apply for a Children’s Place credit card?
In order to get this credit card, you should submit an online application. You can view how to do it in detail in the “Application” section of this article.
Q: How long till you get your Children’s Place credit card in the mail?
Typically, it may pass between a couple of days and up to 3 weeks before you will receive your card in the mail.
Q: How to pay your Children’s Place credit card?
Currently, there are three ways how you can pay your credit card from Children’s Place: online, in store and by mail. In order to see how to do it, please refer to the “Payment” part of the article.
Q: How to use Children’s Place credit card online?
Actually, you can pay with this credit card only on the website of Children’s Place. For that purpose, you should enter your profile on that website and link your credit card there. Then, you should select “Children’s Place credit card” at the checkout when finalizing your purchase.
Q: How to cancel a Children’s Place credit card?
If you wish to close this credit card, you should call 1-866-254-9967 (or TDD/TTY: 1-888-819-1918) for that purpose. Then, ask the operator to close your credit card and follow the operator’s instructions.
Q: How to close a Children’s Place credit card?
In order to cancel a credit card from Children’s Place, you should use one of these phone numbers: 1-866-254-9967 (or TDD/TTY: 1-888-819-1918). Then, ask the operator to cancel your credit card.
