Christmas Tree Shops® andThat!® Credit Account Application

Step 1: Application

Credit Card

Cardmember Benefits

  • 5% back in Rewards for every $1 you spend at Christmas Tree Shops andThat!*
  • 2% back in Rewards for every $1 you spend on gas and groceries** 
  • 1% back in Rewards for every $1 you spend anywhere else Mastercard is accepted
  • Special Financing for 6 or 12 months at Christmas Tree Shops andThat!***

See All Benefits

Rewards Terms & Conditions

If you do not qualify for the Christmas Tree Shops® andThat!® Mastercard®, you may be considered for, and receive, the Christmas Tree Shops® andThat!® Store Credit Card, used exclusively at Christmas Tree Shops® andThat!®. Please review rates, fees and costs for both credit cards before submitting your application.

Note: The Christmas Tree Shops® andThat!® Mastercard® account is issued by Comenity Capital Bank. Review our Financial Privacy Policy and Online and California Privacy Policy for more information. California Residents: Visit this page to request that we Do Not Sell My Personal Information.

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?

Enter Referral Code

If you received a referral code with your credit card offer, please enter it now. Your code may include up to 10 characters (including letters and numbers) and is not case sensitive.
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Cancel Application

You are about to cancel your application. Are you sure you want to cancel? This action cannot be undone.

Yes, Cancel Continue With Application

Cancel Application

By clicking "Cancel", this form will not be submitted and you will return to http://www.christmastreeshops.com

No, continue Application

Cancel Acceptance

By clicking "Cancel", this form will not be submitted and you will return to http://www.christmastreeshops.com

No, continue Acceptance

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Your session is about to expire. If you would like to extend your session please choose "Continue Session" or click "End Session" to end your session.

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The Christmas Tree Shops® andThat!® Mastercard® account

  • 5% back in Rewards for every $1 you spend at Christmas Tree Shops andThat!*
  • 2% back in Rewards for every $1 you spend on gas and groceries** 
  • 1% back in Rewards for every $1 you spend anywhere else Mastercard is accepted
  • Special Financing- No Interest If Paid in Full within 6 or 12 Month Promotional Period at Christmas Tree Shops andThat!. Interest will be charged to your account (at the standard variable purchase APR) from the purchase date if the purchase balance is not paid in full within the 6 or 12 month promotional period or if you make a late payment***

*5% back in Rewards for every $1 you spend at Christmas Tree Shops andThat!, Bed Bath & Beyond®, buybuy BABY®, Cost Plus World Market® and Harmon® Face Values®. Reward Certificates are issued in $10 increments with your billing statement. Restrictions and exclusions apply, see Reward Certificate for details. The Christmas Tree Shops andThat! Rewards Program is provided by Bed Bath & Beyond Inc., which is solely responsible for the program's operation. Bed Bath & Beyond Inc. may change the terms of the program at any time without notice. Please refer to Rewards Terms and Conditions for additional details.

**Each Merchant is assigned a code by a third party that indicates the merchant's area of business. Bonus percent (%) back in rewards will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Comenity Capital Bank does not have the ability to control assignments of merchant codes. 

***Interest will be charged to your account (at the standard variable purchase APR) from the purchase date if the purchase balance is not paid in full within the 6 or 12 month promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Required minimum purchase of $250-$499.99 for 6 months and $500 or more for 12 months. Christmas Tree Shops andThat! Mastercard credit card accounts are offered by Comenity Capital Bank, which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $35. Minimum Interest Charge is $2 per credit plan. Standard variable purchase APR of 23.99%, 17.99%, or 13.99%, based on your creditworthiness and the Prime Rate. Subject to credit approval and availability. Account must be in good standing at the time of transaction. Offer valid only for purchases made in store and online at Christmas Tree Shops andThat!, Bed Bath & Beyond, buybuy BABY, Cost Plus World Market and Harmon Face Values.

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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 www.federalreserve.gov or the Federal Trade Commission's web site at www.ftc.gov.


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 09/18/2020: 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.

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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.
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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
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Welcome Offer

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Scan Barcode as Payment

Scan this barcode to use the customer's new Christmas Tree Shops® andThat!® Mastercard® account as payment.
Name on Card: Account Number: Credit Limit: $0
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