Cato Credit Card Application

Cato Credit Card Logo

Cato Credit Card is serviced by the Hill National Bank. One can apply online at the website of the Cato Fashion. If you love getting new dresses and fashion accessories from the Cato stores, then the credit card is advantageous for you. The application is extremely easy, the customer just needs to fill a short online form and submit.

For approval, you need to have a fair credit score. Once you get the credit card in the mail, you can easily finance your fashion purchases at the Cato Stores. Use the credit card for shopping in-store or online. We have provided a detailed review of the Cato Credit Card. If you are still in a state of indecision you can read the benefits and downsides of the credit card. If the card is useful you can apply using the instructions below.

Cato Credit Card Review

This credit card is serviced to their frequent shoppers. Read the following detailed reviews which are as follows:

  • No finance charge if the balance is paid in full on or before your next billing date.
  • Use this card at any Cato Orit’s fashion store.
  • No need for cash or checkbook and no annual fee ($0).
  • Regular APR rate charged is 22.9%
  • The grace period listed on the Cato credit card is at least 28 days.
  • No interest will be charged for new purchases.


The 20% discount is really hardy and exclusive offers.


Schedules are constantly changed and you get no call or text.

Cato Credit Card Benefits

Before you apply for this credit card it is important to read its detailed rewards which are given below:

  • This card access your account balance, available credit, payment information or make a payment by phone.
  • The 20% discount is really handy.
  • No finance charge if the balance is paid in full on or before your next billing date.
  • No annual fee is charged.
  • Regular APR rate is 22.9% and no interest will be charged for new purchases.

How to Apply For Cato Credit Card

Step 1) You can apply by visiting the retailer’s website, at scrolling to the button of the main page.

Step 2) Then click the credit link under my account on the left-hand side of the page.


Step 3) Next, tell about yourself and provide personal information:

  • Your full name
  • Date of birth
  • SSN
  • Email id
  • Address
  • City
  • State
  • Zipcode
  • Monthly income

Step 4) Read the terms and conditions of the account and accept and agree with the above conditions and click on the “submit application” button.

Step 5) Next, if your application is approved then you get your credit card by mail within 7 to 14 days.