The CARTER is a business credit card from CARTER. The annual fee is No annual fee. The ongoing APR is Rates as low as 12.8% APR after a 0% APR introductory rate for 12 months. Approval typically requires a credit score of Fair Credit OK or higher. Signup bonus: 30% off your first purchase upon approval. Rewards: Points redeemed: Cash back, merchandise, travel, gift cards and much more!. Cash back: 2 points per $1 spent. Typical credit limit: $1,000 SL. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).