Cato Credit Card Application | Cato Credit Card Interest Rate & Fees

Cato credit card application is an easy and secure process, which can be done in minutes, by visiting the retailer’s website, to complete the online application form.

Cato credit card is serviced and offered by Hills National Bank. It a store or catalog card, and not a traditional credit card. It is card offered mainly for fashion and accessories lovers and is aimed at customers with low credit history.

Before you proceed to apply for Cato credit card, here are a few things to note about the card.

cato credit card application

Benefits Cato Credit Card

Cato credit card, is loaded with some unique benefits, which makes the card a nice option. Here they are;

  • Cato credit card comes with a 20% discount to cardholders
  • This card charges no finance if the balance gets paid in full on or before a cardholders next billing date
  • Free of annual fee hassles
  • Use your Cato credit card at any Cato Orit’s fashion store
  • Excludes interest charge for new purchases.

Cato Credit Card Interest Rate & Fees

  • Minimum Interest Charge – $1.00
  • Purchases Annual Percentage Rate – 22.9%
  • Annual Fee – $0
  • Returned Payment Fee – $25
  • Late Payment Fee – $20

Cato Credit Card Application

Applying for Cato credit card, is easy, fast and secure. Let’s get started;

  • The first thing to do is to visit the retailer’s website, at
  • Navigate to the rear of the main page, and tap on the credit link under “My Account” on the left-wing of the page.
  • On the webpage that is displayed, provide the following personal details; Full name, Date of birth, Social security number, Email ID, Address, City, State, Zip code and Monthly income.
  • Once you are done with the personal detail section, review, and agree to the terms and conditions of the credit card.
  • Finally, tick on the “Submit Application’ link, to submit your application for approval
  • Immediately, your application gets approved, you will have access to your credit card by mail within 7 to 14 days.

Cato Credit Card Application Status

After applying for Cato credit card, if you wish to check your credit card application status, call at 1-877-557-3526, to speak with a customer care representative on the state of your Cato credit card application.

Cato Credit Card Customer Care Number

Contact the customer care unit of Cato credit card, by calling at (1-877-557-3526), to have your issues about Cato credit card addressed.

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