Catherines Credit Account Application

Step 1: Application

Credit Card

Don't forget to enroll in the new Catherines Rewards program to unlock all of your benefits. Visit and click 'Join Now.'

1,2,3,4,5 See all benefits

Rewards Terms & Conditions

Your Personal Information

-Select One-

Why do you need my Social Security number?

We use this information to verify your identity and obtain credit bureau information.

Why do you need my income?

In order to comply with federal law, and to determine factors such as your credit limit, we consider your ability to meet the payment obligations associated with this account. Your income information is part of that consideration.

If you do not wish to have alimony, child support and/or separate maintenance income considered as a basis for repaying this obligation, please do not include it in your Annual Income amount. Married WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial information.

Contact Information

PO Box mailing addresses are not accepted.
-Select One-

By providing your contact information, including any mobile or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, as well as calls made via automatic telephone dialing systems or via email.

Add Authorized Buyer

Authorized buyers are allowed to purchase on your Account; however, as the primary account holder, you are responsible for payments on all purchases.

You may add one authorized buyer to your account at this time. Once your account is open, you may add up to four total authorized buyers.

Add an Authorized Buyer to your account?

Protect yourself with Account Assure

Receive a $20 gift card with Account Assure enrollment if your application for credit is approved.

Account Assure provides you peace of mind knowing that your eligible account balance can be paid off should one of the following eligible events occur:

  • Involuntary Unemployment
  • Hospitalization
  • Disability
  • Loss of Life
  • Unpaid Family Leave of Absence
  • Identity Theft

Review eligible events & fees

If your application for credit is approved, you can also receive a $20 gift card once you return the signed Account Assure disclosure statement, which is included in the Account Assure welcome kit mailed to you.

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The Catherines Credit Card account

Earn the following rewards and benefits with a Catherines1 Membership + a Catherines Credit Card2
  • Earn points for every $1 you spend on qualifying purchases when you use your Catherines Credit Card1
  • $10 Reward for every 3,000 points
  • Birthday offer3
  • Free standard shipping on qualifying purchases using your Catherines Credit Card (minimum purchase of $100 for Classic members and $75 for Select members)4
  • Extended returns5 for Catherines Credit Cardholders only
To sign up for the Catherines Program, please visit Cardmembers must be enrolled in the Catherines Rewards program to earn rewards and benefits.

1 Subject to credit approval. The Catherines Rewards Program is provided by Catherines, Inc. Program terms are subject to change. Credit Cardholders are required to open a Catherines Rewards Program Account in order to receive Credit Card member benefits associated with the Catherines Rewards Program. To open a Catherines Rewards Program Account, you will be required to provide your phone number and email address to Catherines. Enroll online at, see an associate in store or call our customer service team at 1-866-886-4731. Only open to legal residents of any 1 of the 50 U.S. or D.C. See full Rewards Terms & Conditions, including other eligibility requirements, at A Catherines Credit Card is not required to be a Catherines Rewards Program member. 

2 Subject to credit approval. Minimum payments required each billing period. Interest will apply according to your regular credit terms. 

3 Offer is available to all Catherines Rewards members. Must supply Catherines with the month and day of your birthday in order to receive the birthday benefits. Catherines Rewards Program Accounts opened in your birthday month or in the previous month will receive the birthday benefit during your birthday month the following calendar year. Members will receive an email at the beginning of their birthday month with their offer. Credit Cardholders must create an account at, supply Catherines with the month and day of their birthday and provide email address and phone number to receive their special birthday offer (U.S. only). 

4 Subject to credit approval. The entire transaction amount after discount must be placed on the Catherines Credit Card. Account must not be in default. 

5 Subject to credit approval. The entire transaction amount after discount must be placed on the Catherines credit card. Valid for Sixty (60) days after purchase. Account must not be in default. Only available with proof of valid receipt. See for return policy. Catherines Credit Card Accounts are issued by Comenity Bank.


Reward Terms and Conditions

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Important Information About Your Credit Report.

What is a credit report?  A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.

How did we use your credit report?  We used information from your credit report to set the terms of the credit we are offering you, such as the Annual Percentage Rate. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.

What if there are mistakes in your credit report?  You have a right to dispute any inaccurate information in your credit report. 

If you find mistakes on your credit report, contact the consumer reporting agency listed below, which is the agency from which we obtained your credit report. It is a good idea to check your credit report regularly to make sure the information it contains is accurate.

How can you obtain a copy of your credit report?  Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact:

How can you get more information about credit reports? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at or the Federal Trade Commission's web site at

What you should know about credit scores. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how your credit history changes.

Your credit score as of 10/20/2019: 0


We used your credit score to set the terms of credit we are offering you. In the scoring system we used, scores can range from 479 to the best possible score, 898. Please be aware, there are a number of different credit scoring systems available, and each uses a different range of numbers.

Here are the most significant factors in determining your score:

If you have questions about the factors impacting your credit score, we encourage you to contact the consumer reporting agency listed in this letter.


Your Temporary Account

Credit Card
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Name: Temporary Account Number: CVC/CVV: Expires On: Temporary Credit Limit: $0 Please sign here:
This temporary card is not valid until signed.

Know how to use your temporary account

You may use your Temporary Shopping Pass as if it were your actual credit card with the following restrictions - once any of the limitations below are met, your temporary account number will no longer be valid for use:

  • You may use this Temporary Shopping Pass for up to
  • A single transaction cannot exceed $0.00
  • You may use the Temporary Shopping Pass for up to 0 transactions

Welcome Offer

20% off
Subject to credit approval and availability. Catherines credit accounts are issued by Comenity Bank. This offer is provided for promotional purposes. Not valid toward past purchases. Excludes the purchase of Gift Cards and Perks Memberships. Cannot be combined with other credit discounts.