(2022 Update) Carter’s Credit Card Login, Payment, Customer Service, Cancel, and More

Carter’s is a US leading baby and kids’ collection brand. It offers a comprehensive range of baby clothing and dressing with a collection for each occasion.

Carter’s has a private-labeled credit card for its members offering higher rewards and benefits.

Let us guide you through the process of Carter’s Credit Card Login, Payment, Customer Service, Cancel, and More.

What is Carter’s Credit Card?

Carter’s credit card is a privately labeled card issued by Comenity bank in the US. This credit card can only be used at Carter’s and its family brands OshKosh B’gosh® and Skip Hop. ®

Although you cannot use it as a regular credit card, it allows you to hold a specialized credit card with different rewards. It is the right choice for customers who regularly visit Carter’s.

You’ll need to register for the “My Rewarding Moments” program first before you can apply for this card. Other simple application requirements include providing your personal information, email, phone number, and complete address.

Since it is a store-only credit card, applying for the card wouldn’t affect your credit score. However, Comenity bank will evaluate your financials before approving the card.

Benefits of Carter’s Credit Card

Carter’s credit card is for its registered members and offers comprehensive rewards.

  • Credit cardholders receive double reward points for every dollar spent as compared to regular members. It means you get 2 reward points for every $1 spent at Carter’s.
  • Cardholders receive 3 bonus days for 3 x earning rewards of their choice every year.
  • Cardholders receive a special welcome bonus of up to 30% off on their first purchase made with the card.
  • You’ll receive an annual gift from Carter’s on your card anniversary.
  • Free shipping for cardholders.
  • Special discount offers and special event invitations from Carter’s throughout the year.

These benefits are only for credit cardholders and the program is free to join with no annual fees as well.

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How to Login to Carter’s Credit Card?

You’ll need to create a new account for the “My Rewarding Moments™” program first before you can operate the credit card online.

All you need is an email address to sign up for the program at My Account | Carter’s (carters.com).

Then, create a strong password and confirm it twice. Hit the “Next” button on the screen and provide essential information there. You’ll need to provide the contact details and complete mailing address as well.

Once you have created the account, you can use it whenever you want to access your credit card profile through these simple steps.

  • Locate the “Sign in” button on the top right corner of the web page carters.com/My-account.
  • Write your email address and password to log in.
  • Click the “keep me signed in” box if you regularly visit the page and don’t want to repeat the process every time.
  • If you don’t remember the password, click the “forgot password” button to receive a recovery email at your registered address.

Carter’s Credit Card Activation Process

You can activate the credit card through Comenity bank’s online portal. All you have to do is provide your card and social security numbers.

Then, hit the submit button to follow the next prompts. Comenity bank will verify your credit card details and send you an activation code.

You can also activate your card by logging in to your “My Rewarding Moments” page.

Locate the “Activate my card” button from the menu. You’ll receive a one-time password (OPT) or a unique code on your registered email address or phone as you choose.

Write that code in the activation box and press next. Follow the next few prompts to activate your Carter’s credit card in a few simple clicks.

How to Make a Payment to Carter’s Credit Card?

Carter’s credit card comes with a high APR on your balance like any other credit card. The Comenity bank will also charge you a late fee of $30 if you miss the payment deadline.

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A convenient way to avoid these charges is to know your options for making a payment. You can choose from one of these three options available to make Carter’s credit card payment.


You can either log in through your “My Rewarding Moments” account at Carter’s portal or directly from Comenity bank’s dedicated page for Carter’s account holders.

Comenity bank allows Carter’s cardholders to pay as a guest too. Alternatively, you can use your account credentials if you’re already registered.

Once you log in, you can then use the available options to pay through a debit card or by linking your bank account.

You can choose to make a one-time minimum payment or pay off the full balance for your Carter’s credit card here.

By Phone

The next option for you is to pay by phone. You can call Comenity bank at 1-877-563-5767 and provide your credit card number and other details.

Once you verify the credit card balance and provide the payment option, you can make the payment easily.

Comenity bank charges $15 for paying through phone though.

By Mail

You can also send a paper check or money order to Comenity bank to settle your Carter’s credit card balance. This option is only useful if you have sufficient time and you feel safe about not incurring a late payment fee.

You can send a paper check or money order to Comenity bank at the following address:

Comenity Capital Bank

PO Box 183003

Columbus, OH 43218-3003

Please send your credit card statement or reference number along with the check.

How to Check the Carter’s Credit Card Balance?

Your monthly card statement is the easiest way to check your Carter’s credit card balance. You’ll receive the credit card statement in your email every month.

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Alternatively, you can log in to your “My Rewarding Moments” account and see your credit card history. However, make sure to confirm the latest transactions as it may take some time to reflect spontaneous transactions in the statement.

Your Comenity bank’s online account will also give you the same information. You can view your credit card history and confirm the outstanding balance easily.

Carter’s Credit Card Customer Service

You’ll need to contact Carter’s customer service if you have questions or problems related to reward points, conversion, redemption, or similar issues.

You can contact Carter’s customer care at 1-877-333-0117.

Carter’s customer care has dedicated 24/7 chat support as well. You can send a query in the chat for a quick response. Also, you can browse through their FAQs to get an answer for common issues.

If you have a credit card payment or transaction dispute, you’ll need to contact Comenity bank’s customer support.

You can contact Comenity bank’s customer support at 1-877-563-5767.

How to Cancel Your Carter’s Credit Card?

If you do not use your Carter’s credit card for two years, your membership and card will be canceled automatically.

However, if you want to cancel it quickly, follow these steps.

  • Login to your Carter’s credit card account and view your card balance.
  • Settle all your outstanding dues including any late fees or other charges.
  • Contact Comenity bank’s customer care at 1-877-563-5767 and ask them to cancel your credit card.
  • Confirm your identity and provide a valid reason to cancel Carter’s credit card.
  • Confirm your linked bank account and debit card to know the credit card has been canceled and it no longer deducts any charges from your linked bank account.