| Rewards | Uses the Yard Rewards points system (1 point per $1 spent) tied to Carter Lumber purchases — not a broad rewards structure like a cash-back card |
|---|---|
| Signup Bonus | N/A |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 19.49% (APR will vary with the market based on the Prime Rate) |
| Cash Advance Fee | A cash advance fee of either a percentage of the amount or a minimum flat amount, whichever is greater (for example, 5% or $10) |
| Late Payment Fee | Up to $41 |
| Purchases APR | 19.49% (APR will vary with the market based on the Prime Rate) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Carter Lumber DIY Credit Card is a store‑branded financing card geared toward people who buy building materials and home improvement supplies at Carter Lumber, similar to other Comenity‑issued store cards. Most users say it’s useful for financing purchases at Carter Lumber but nothing flashy in terms of rewards or perks — it’s not a travel or cash‑back heavy hitter.
Positive feedback: Reviewers who do use the card as intended appreciate that it can help with project financing and managing purchases over time, and for some it’s a way to build credit if used responsibly. Store card users often note that if you’re a frequent Carter Lumber shopper, having a dedicated card can feel convenient.
Negative feedback: Many cardholders — and this echoes broader sentiment toward Comenity‑issued cards — complain about high interest rates, confusing fees, and poor customer service when problems arise. A common gripe online (for Comenity‑backed cards, which includes Carter Lumber’s) is that billing and payment issues can lead to unexpected fees or trouble resolving disputes.
My take: Personally, I think this card is fine if you shop at Carter Lumber often and pay off balances each month, but it’s not worth it if you’re looking for strong rewards or low interest. Most people with broader credit card needs will find better value elsewhere.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
B
frustrating
I tried this card hoping it would simplify my purchases, but activation was a headache and the app constantly glitches. Rewards are minimal, and I've had delays with transactions showing up. Not the hassle free experienced I expected.
M
great
I used the card during a renovation. Helpful for managing large purchases and keeping materials affordable.
