If you shop the FullBeauty family of plus-size brands often, the Catherines Platinum Credit Card promises points and member perks. But a store card with a high APR and a recently changed rewards program deserves a careful look before you apply.
The Catherines Platinum Credit Card is a store-branded card for fans of Catherines and its sister brands. Here is the full breakdown, including a key program change that took effect in late 2025, as of June 2026.
Key facts at a glance
| Feature | Details (as of June 2026) |
|---|---|
| Issuer | Comenity Bank (Bread Financial) |
| Network | Store card; usable at Catherines and FullBeauty brands |
| Annual fee | $0 |
| Purchase APR | About 32.24% variable |
| Rewards | 15 points per $1 on Catherines merchandise; 3,000 points = $10 reward |
| Welcome bonus | None standard |
| Score needed | Typically fair credit, around 640 or higher |
| Reports to bureaus | Yes, Comenity typically reports to all three major bureaus |
Terms and conditions apply, and APRs vary by creditworthiness.
Who issues the Catherines Platinum Credit Card
The card is issued by Comenity Bank, which is a subsidiary of Bread Financial. Comenity is one of the largest store-card issuers in the country and backs many retail-branded cards.
This is a closed-loop store card. It works at Catherines and across the FullBeauty Brands family, which includes Lane Bryant, Woman Within, Roaman's, and others, but it is not a Visa or Mastercard you can use elsewhere.
Rewards and how they work
The card earns 15 points for every $1 spent on Catherines merchandise. Once you reach 3,000 points, you earn a $10 reward, which works out to roughly 3.3% back in store value when you redeem.
Those rewards can be used across FullBeauty brands, not just Catherines. That is a genuine plus if you regularly shop more than one of these stores. Just remember the value is locked into store credit, not cash.
An important 2025 to 2026 program change
There is a recent change worth knowing. As of November 5, 2025, reward certificates stopped appearing on Catherines Platinum Credit Card statements. Outstanding points were set to transition to the new Catherines Rewards Program, also called the FullBeauty VIP Rewards Program, no later than January 31, 2026.
If you held points from before that date, they should have moved into the newer rewards structure. If you are unsure where your balance landed, check your FullBeauty VIP rewards account rather than your card statement.
APR and fees
The card carries a high variable APR of about 32.24%. There is no annual fee, but late and returned payments can cost up to $41 each.
That APR is well above the roughly 21% average for general cards. The rewards rate does not come close to offsetting interest charges, so this card only pays off if you clear the balance in full every month. Carrying a balance erases any rewards value quickly.
Honest alternatives to consider
A store card locked to one brand family limits where your spending power and rewards can go. If you want a card you can use anywhere while building credit, a general-purpose option often serves better. The Aspire Mastercard works everywhere Mastercard is accepted and reports to the major bureaus, so it is not tied to a single retailer.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
If approval odds are your concern, Perpay works differently. The Perpay Credit Card structures purchases around predictable payments based on your income rather than relying solely on a credit score, which can help shoppers who are still building a credit file.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
For people who want to build credit while keeping spending on track, the Arro Card pairs a credit line with a budgeting app and rewards on-time payments. It can be a steadier path than a high-APR store card if credit-building is your real goal.
Arro Card
Arro Card
No deposit. No hard credit check. Start with up to $300 and grow your credit line to $2,500 by completing in-app tasks. Earn 1% cash back on gas and groceries — including Walmart and Target.
Standout feature
Unsecured — no deposit required
Fees
up to $60/ year
Pros
1% cash back on gas & groceries
Cons
Starting credit limit: $50–$300
Pros and cons
The upside is straightforward for loyal shoppers. There is no annual fee, the points rate on Catherines merchandise is generous, rewards can be used across multiple FullBeauty brands, and approval leans toward fair credit.
The downsides are equally clear. The APR is high, rewards are store-only, late fees reach $41, and the recent rewards-program change means you need to track points in a new system. The card is useless outside the FullBeauty family.
Who the Catherines Platinum Credit Card fits
This card fits a frequent Catherines or FullBeauty-brands shopper who pays the balance in full each month and wants to earn store rewards on purchases they would make anyway. Used that way, the points add real value.
It does not fit someone who carries a balance, wants flexible rewards, or needs a card to use beyond these stores. For everyday flexibility and credit-building, a general-purpose card is the smarter choice.
Frequently Asked Questions
Who issues the Catherines Platinum Credit Card?
The card is issued by Comenity Bank, a subsidiary of Bread Financial. It is a store card usable at Catherines and across FullBeauty brands like Lane Bryant, Woman Within, and Roaman's, not as a general Visa or Mastercard.
What rewards does the Catherines Platinum Credit Card earn?
Cardholders earn 15 points per $1 spent on Catherines merchandise, and 3,000 points equals a $10 reward, roughly 3.3% back in store value. As of late 2025, points transitioned into the new Catherines Rewards Program, also known as the FullBeauty VIP Rewards Program.
What credit score do I need for the Catherines Platinum Credit Card?
Approval typically leans toward fair credit, often around a 640 score or higher, though Comenity does not publish a firm cutoff. The application involves a hard credit pull.
What is the APR and are there fees on the Catherines Platinum Credit Card?
The card carries a high variable APR of about 32.24%. There is no annual fee, but late and returned payment fees can each reach up to $41. Because the rate is high, paying in full each month is the only way the rewards stay worthwhile.
