Visa Platinum Good Credit — Carter is a personal credit card from Carter. The annual fee is $0. The ongoing APR is Rates as low as 11.50% APR after a 0% intro APR on purchases for 12 months; 0% intro APR on balance transfers for 18 months introductory rate for 12 months. Rewards: Points redeemed: Cash back, merchandise, travel, gift cards and much more!. Typical credit limit: $1,000-$20,000. This product reports activity to your personal credit report.