Compare Cato Credit Card with Alternatives

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Best Credit Cards from our partners for Using at Cato

Cato is one of the leading retailers in women’s fashion and accessories, offering the latest styles in fashion for any occasion. The company was launched in 1946 and to this day they operate over 1,000 Cato stores throughout 32 of the contiguous United States. Cato has improved their business to a point, where shoppers can rely on them for new fashions every week at low prices, every day. In addition to low prices on fashion and accessories, Cato also provides their own way for shoppers to pay for their Cato purchases, by offering the Cato credit card.

Compare Cato Cards with the Other Offers
Card Type
Cato
Shopping
Use for any US Shopping
Intro APR on Purchases
Regular APR
Annual Fee
Sign-up Bonus
Cato Cards:
Featured Alternatives to Cato Cards:
Excellent/Good Credit
Excellent, Good Credit
See website for Details*
Excellent / Good Credit
Discover it® Cash Back Citi Rewards+® Card Surge Mastercard® Cato Credit Card
Discover it® Cash Back*See Terms Citi Rewards+® Card Surge Mastercard® Cato Credit Card
Unfortunately,
we do not currently offer
online application
for this card
Credit Card
Credit Card
Credit Card
Credit Card
0% (14 months)
0% (15 months)
See website for Details*
n/a72
11.99% - 22.99% Variable APR
13.49% - 23.49% (Variable)
24.99% - 29.99% (Variable)
22.9%72
$0
$0
See website for Details*
None72
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
N/A
No

Other Alternatives to Cato Cards:

Excellent/Good Credit
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Expert Rating:

Card Details
  • UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Discover Match® details & other information.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
0% Intro APR (14 months) 10.99% Intro APR (14 months) 11.99% - 22.99% Variable APR $0 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
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Excellent, Good Credit
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Expert Rating:

Card Details
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
0% (18 months) 0% (18 months) 13.74% - 23.74% (Variable) $0 Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.
See card details
Excellent/Good Credit
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Expert Rating:

Card Details
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. Based Customer Service available any time.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
0% (14 months) 0% (14 months) 11.99% - 22.99% Variable APR $0 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
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Card Details
  • Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
  • No Annual Fee
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
N/A N/A 15.99% - 24.99% (Variable) $0 3% of each balance transfer; $5 minimum
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Expert Rating:

Card Details
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
N/A N/A 15.99% - 24.99% (Variable) $450 3% of each balance transfer; $5 minimum
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Expert Rating:

Card Details
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit – Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Summary of Card Features:
Intro APR
on Purch.
Regular APR Annual Fee Balance Transfer Fee Reporting Credit Bureaus
N/A 9.99% (Fixed) $48 N/A Yes
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Expert Rating:

Card Details
  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
Summary of Card Features:
Intro APR
on Purch.
Regular APR Annual Fee Balance Transfer Fee Reporting Credit Bureaus
N/A See Terms See Terms See Terms Yes
See card details

Benefits You Get With The Cato Credit Card

The credit card offered by Cato Fashions comes with no annual fees and it is issued through Cedar Hill National Bank. Unlike other stores, Cato only offers one credit card option. The credit card they offer does not come with any type of rewards system in place and offers no special financing options. Penalty fees included with the Cato credit card include late payment fees of up to $20 and returned payment fees of up to $25.

The Cato store credit card doesn’t offer much in terms of unique benefits. This card will provide Cato shoppers with the most basic features and benefits that a store card can come with. Some of these features include paperless billing and directly receiving fashion news updates from Cato. One of the benefits listed under card is “no finance charge if balance is paid in full before your next billing date.” This is not a very special benefit, since most credit cards will offer the same thing.

A big problem with having the Cato credit card is that it is not affiliated with any major payment network. Due to this, the card can only be used to make purchases from Cato. On top of including a limited number of features, this card can only be used in a very limited number of places. In addition to all of this, this card comes with an APR off 22.99%.

If the credit card offered by Cato doesn’t seem very appealing, or you simply don’t enjoy shopping at Cato, one of these other cards might be a better option.

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