Christmas Tree Shops® andThat!® Mastercard®

  • 5% back in Rewards for every $1 you spend at Christmas Tree Shops andThat!*
  • 2% back in Rewards for every $1 you spend on gas and groceries** 
  • 1% back in Rewards for every $1 you spend anywhere else Mastercard is accepted
  • Special Financing for 6 or 12 months at Christmas Tree Shops andThat!***
Christmas Tree Shops® andThat!® Mastercard® image
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Take control of your finances

Making smart, well-informed decisions is the key to financial freedom. And Comenity has educational resources to help you get there. Discover tips on credit management, online security, budgeting, and more.

Comenity is the bank behind your credit card, here to help make your experience even better. Comenity works with hundreds of well-known and much-loved companies to offer their customers — customers just like you — credit programs that connect loyal shoppers to the brands they love. Enhance your shopping experience with tips to optimize your finances.

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Financial Education Graduation Cap
Take control of your finances

Making smart, well-informed decisions is the key to financial freedom. And Comenity has educational resources to help you get there. Discover tips on credit management, online security, budgeting, and more.

Comenity is the bank behind your credit card, here to help make your experience even better. Comenity works with hundreds of well-known and much-loved companies to offer their customers — customers just like you — credit programs that connect loyal shoppers to the brands they love. Enhance your shopping experience with tips to optimize your finances.

Learn More

Christmas Tree Shops® andThat!® Mastercard®

Welcome! Manage your Christmas Tree Shops® andThat!® Mastercard® Account here.
  • 5% back in Rewards for every $1 you spend at Christmas Tree Shops andThat!*
  • 2% back in Rewards for every $1 you spend on gas and groceries** 
  • 1% back in Rewards for every $1 you spend anywhere else Mastercard is accepted
  • Special Financing- No Interest If Paid in Full within 6 or 12 Month Promotional Period at Christmas Tree Shops andThat!. Interest will be charged to your account (at the standard variable purchase APR) from the purchase date if the purchase balance is not paid in full within the 6 or 12 month promotional period or if you make a late payment***

*5% back in Rewards for every $1 you spend at Christmas Tree Shops andThat!, Bed Bath & Beyond®, buybuy BABY®, Cost Plus World Market®, and Harmon® Face Values®. Reward Certificates are issued in $10 increments with your billing statement. Restrictions and exclusions apply, see Reward Certificate for details. The Christmas Tree Shops andThat! Rewards Program is provided by Bed Bath & Beyond Inc., which is solely responsible for the program's operation. Bed Bath & Beyond Inc. may change the terms of the program at any time without notice. Please refer to Rewards Terms and Conditions for additional details. 

**Each Merchant is assigned a code by a third party that indicates the merchant's area of business. Bonus percent (%) back in rewards will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Comenity Capital Bank does not have the ability to control assignments of merchant codes. 

***Interest will be charged to your account (at the standard variable purchase APR) from the purchase date if the purchase balance is not paid in full within the 6 or 12 month promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Required minimum purchase of $250-$499.99 for 6 months and $500 or more for 12 months. Christmas Tree Shops andThat! Mastercard credit card accounts are offered by Comenity Capital Bank, which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $30. Minimum Interest Charge is $2 per credit plan. Standard variable purchase APR of 25.49%, 19.49%, or 15.49%, based on your creditworthiness and the Prime Rate. Subject to credit approval and availability. Account must be in good standing at the time of transaction. Offer valid only for purchases made in store and online at Christmas Tree Shops andThat!, Bed Bath & Beyond, buybuy BABY, Cost Plus World Market and Harmon Face Values.

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