The Ultimate Guide to Credit Cards
Wednesday, May 25, 2022

21 Comenity Bank Store Card Alternatives

Comenity Bank Store Card Alternatives

credit card advice

Adam West

Written by: Adam West

Adam West

As Managing Editor for CardRates, Adam oversees content and regularly interviews some of the payments industry's biggest influencers and decision-makers so our site can bring high-quality and engaging stories to our audience and keep readers informed on the latest trends and technology in the space.

See full bio »

Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian is a Content Editor who brings her journalism experience in business and consumer finance to ensure CardRates news articles and reports have been edited for overall clarity, accuracy, and reader engagement. Her primary goal is to assure editorial content meets the highest level of quality and precision.

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Advertiser Disclosure

If you’ve ever had a store-branded credit card, you’ve likely dealt with Comenity Bank. Most people haven’t heard of the Delaware-based bank, but there’s a reason why many people often search for Comenity Bank store card alternatives.

That’s because Comenity’s cards often come with high interest rates and little, or no, rewards. The bank also has a history of false marketing for its payment protection programs that netted the company a $61.5 million penalty from the Federal Deposit Insurance Corp. in 2015.

If you’re looking for a card to replace your current Comenity-issued plastic, or if you’ve read the reviews and want to find a bank with a better reputation, we have 21 alternatives for you to consider.

By Rewards: Cash Back | Miles | Points | 0% APR
By Credit: Good Credit (670+) | Fair Credit (580-669) | Bad Credit (
FAQs

Cash Back Alternatives to Comenity Bank Store Cards

Since most Comenity-issued cards only have store-specific rewards — if any rewards at all — you won’t find a card that gives you cash back for all your purchases.

With the cards listed below, you can still shop at your favorite retailer and earn rewards, but you’ll also earn cash back wherever else you shop. That’s the type of freedom most people look for in a credit card.

CASH BACK RATING

★★★★★
5.0

OVERALL RATING

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
15.24% - 23.99% Variable
$0
Good/Excellent

CASH BACK RATING

★★★★★
4.9

OVERALL RATING

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% Intro APR Period 18 months on Balance Transfers
14.74% - 24.74% (Variable)
$0
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

CASH BACK RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.24% - 25.24% (Variable)
$0
Excellent, Good

Many cash back rewards programs allow you to redeem your earned rewards for cash, a check, or as a statement credit toward your current balance. That means you can use the rewards you earn from all your purchases to help pay for your recent shopping trip at your favorite retail spot.

Miles Card Alternatives to Comenity Bank Store Cards

While a Comenity store-branded credit card can make purchases easier at your favorite local store, a good miles credit card, like those listed below, can help you make purchases at stores anywhere in the world. These cards can quickly accrue travel rewards that make trips, whether for business or pleasure, more affordable.

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 24.24% (Variable)
$95
Excellent, Good
Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

  • UNLIMITED BONUS: Only Discover gives you an unlimited match of 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.
  • New Intro APR: 0% intro APR† for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR will apply.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
12.24% - 23.24% Variable APR
$0
Excellent/Good

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.24% - 25.24% (Variable)
$0
Excellent, Good

How miles rewards are redeemed depends on the specific miles card. Some cards allow you to use your miles to purchase flights, hotel stays, rental cars, and other travel expenses. Others let you cash in your miles as a statement credit that essentially erases part, or all, of the recent travel-related expenses you charged to the card.

Points Card Alternatives to Comenity Bank Store Cards

Points rewards cards are like that do-it-all tool that’s always in your toolbox. That’s because these cards accrue points that you can use for a wide array of options. Many cards, like those listed below, offer redemptions for travel discounts, cash back, merchandise, gift cards, entertainment tickets, and much more.

POINTS & GIFTS RATING

★★★★★
4.8

OVERALL RATING

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 23.24% Variable
$95
Good/Excellent

POINTS & GIFTS RATING

★★★★★
4.8

OVERALL RATING

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 21.24% Variable
$95
Good/Excellent

POINTS & GIFTS RATING

★★★★★
4.7

OVERALL RATING

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.24% Variable
$550
Good/Excellent

Before you apply for a points rewards credit card, make sure you research all the card’s redemption options. Most cards have different rates for different redemption options. For example, you’ll get more value if you redeem your Chase Ultimate Rewards points for travel or gift cards than if you exchange them for cash back.

0% APR Alternatives to Comenity Bank Store Cards

One thing you’ll almost never find on a Comenity store card is a low interest rate. Most Comenity cards come with an interest rate reportedly around 27%.

With a good 0% introductory APR, you can pay off current debt that you have sitting on a high interest rate card or acquire free financing for a large purchase you plan to make.

0% INTRO APR RATING

★★★★★
4.8

OVERALL RATING

  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 15.24% - 23.99% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 18 months
0% Intro APR on Balance Transfers 18 months
15.24% - 23.99% Variable
$0
Good/Excellent

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
15.24% - 23.99% Variable
$0
Good/Excellent

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.24% - 25.24% (Variable)
$0
Excellent, Good

Keep in mind that every 0% APR introductory period only lasts for a set amount of time. Once it expires, you’ll immediately start accruing interest charges on your balance. That’s why it’s important to pay off all your debts before interest starts building.

Comenity Bank Store Card Alternatives for Good Credit

Many consumers turn to Comenity Bank-issued credit cards because they offer more lenient acceptance standards and often approve consumers who have bad credit. If you have a good credit history, you have far more cards available to you.

With better options, like those listed below, you can rack up rewards and pay far fewer fees.

Discover it® Cash Back Review

at Discover Card'ssecure website

GOOD CREDIT RATING

★★★★★
4.9

OVERALL RATING

  • 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 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
12.24% - 23.24% Variable APR
$0
Excellent/Good/Average
Discover it® Balance Transfer Review

at Discover Card'ssecure website

GOOD CREDIT RATING

★★★★★
4.9

OVERALL RATING

  • 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 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • No annual fee.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
0% Intro APR for 18 months
12.24% - 23.24% Variable APR
$0
Excellent/Good/Average

GOOD CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 24.24% (Variable)
$95
Excellent, Good

You’ve worked hard to build a good credit history and you should reap the fruits of that labor. With the cards listed above, you can earn rewards that make shopping at your favorite store easier, and more affordable, than with a store-branded credit card. Plus, your new card will work at just about any location in the world — which is more than most Comenity cards can claim.

Comenity Bank Store Card Alternatives for Fair Credit

With a fair credit score (typically between 580 and 669), you have a host of cards available to you. While these cards may feature higher fees and interest rates than those offered to consumers who have good credit, they’re still considerably lower than the rates and fees often associated with Comenity Bank’s store-branded credit cards.

FAIR CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with our mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited

FAIR CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$39
Average, Fair, Limited
Fortiva® Mastercard® Credit Card Review

at Fortiva'ssecure website

FAIR CREDIT RATING

★★★★★
4.6

OVERALL RATING

  • With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward
  • Make contactless payments through Mobile Wallet
  • Periodic Credit Increase Reviews
  • Free access to your Vantage 3.0 score from Equifax†
  • † Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
29.99% Variable
As low as $85
Fair

The banks that issue most of the cards listed above also offer cards for consumers who have good credit. That provides a great opportunity for growth, as you can potentially graduate to a better card as you prove your responsibility and improve your credit score. A store-branded credit card doesn’t offer that potential.

Comenity Bank Store Card Alternatives for Bad Credit

Store-branded credit cards often accept consumers who have bad credit scores. Because of that, many people think these cards are their only option, but that definitely isn’t the case.

With the cards listed below, you can potentially access a credit line you can use at just about any location in the world.

PREMIER Bankcard® Mastercard® Credit Card Review

at PREMIER Bankcard®'ssecure website

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuer Website
See Issuer Website
Fair/Poor
PREMIER Bankcard® Grey Credit Card Review

at PREMIER Bankcard®'ssecure website

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • You can build* or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • *Build credit by keeping your balance low and paying all your bills on time every month.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuer Website
See Issuer Website
Fair/Poor
Surge Mastercard® Review

at Celtic Bank'ssecure website

BAD CREDIT RATING

★★★★★
4.6

OVERALL RATING

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
See website for Details
24.99% – 29.99% (Variable)
See website for Details
See website for Details*

Before you apply for a store-branded credit card, think about your overall credit needs. For instance, if you needed to charge a purchase at another store or service provider, would the store-branded card allow you to do so?

While these cards may sound tempting when they’re offered to you at the register, they often cost you far more money than they save you.

What Credit Score Does Comenity Bank Require?

Comenity Bank is one of the largest issuers of store-branded credit cards in the world. These cards often have very relaxed acceptance standards and regularly offer approvals to applicants who have bad credit histories.

Many people who struggle with bad credit think these cards are their only option for credit rebuilding. After all, if you have a sub-580 credit score, there aren’t many credit issuers begging for your business.

FICO Score® Ranges

Comenity may approve applicants with credit scores below 600, but each card has its own specific approval criteria.

Comenity cards sometimes approve applicants with credit scores below 600.

But there are other ways to build credit without a credit card — and most are more affordable than the sky-high interest rates often charged by store credit cards. While most credit card options will likely include high interest rates and fees, as do most cards for bad credit, you’ll still have the freedom of using the card anywhere that accepts it — not just the retailer listed on the front of the card.

Since Comenity issues cards for more than 145 retailers, as well as several other companies and organizations (more on that in the next section), each card will come with varying acceptance standards. You may qualify for a BJ’s Credit Card, but you may not qualify for a Victoria’s Secret or Zales card, for instance.

Instead of applying at the register when prompted by a cashier, you may want to consider searching online for a pre-qualifying form that will give you a better idea of your approval odds before you submit your application at the register.

By doing so, you’ll limit the number of hard inquiries on your credit report and avoid the embarrassment of a potential decline at the store.

Which Stores Partner with Comenity Bank?

From your favorite store in the mall to national retail chains, jewelry stores, and appliance centers, Comenity Bank issues store-branded credit cards for just about every type of merchant.

Here’s a list of businesses that partner with Comenity:

Abercrombie & Fitch
Adwords Business
Alon
American
American Home
American Kennel Club
American Signature Furniture
Anne Geddes
Annie Sez
Ann Taylor
Appleseed’s
Appliances Connection
Arhaus Archarge
Ashley Stewart
Avenue
Barneys New York
Bealls Florida
Bed Bath & Beyond
Bedford Fair
Big Lots
BJ’s
Blair
Blue Nile
Bon-Ton
Boscovs
Brownstone Studio
BrylaneHome
Buckle
Burkes Outlet
Camping World
Carson’s
Carter Lumber
Catherines
Chadwicks of Boston
Children’s Place
Christopher & Banks
Coldwater Creek
Colombian Emeralds
Crate & Barrel
Crescent Jewelers Inc.
David’s Bridal
Design Within Reach
Domestications
Draper’s & Damon’s
Dressbarn
DSW
Dunlaps
Earthwise Windows
Eddie Bauer
El Dorado Furniture
Express Next
Fashion Bug
Forever21
Fuel Rewards
Friedman’s Jewelers
FullBeauty
GameStop
Gander Mtn
Garden Ridge
Gardner-White
GEM ACCOUNT
Giant Eagle
Gordmans
Goody’s
Hannoush
Herberger’s
Home & Garden Showplace
Hot Topic
HSN
iComfort
Iddeal
J. Crew
Jessica London
JD Williams
J.Jill
Kane Furniture
KingSize
Kohler Generators
Lane Bryant
LaRedoute
Lenovo
Levin Furniture
Linen Source
Little Switzerland Jewels
LOFT
Mandee
Marathon
Marianne
Maurices
Meijer
M.E.S.A.
Metro Style
Modell’s
Motorola
MyPoints
My World
Newport News
New York & Company
Old Pueblo Traders
Orbitz
Overton’s
PacSun
Palais Royale
Peebles
Petite Sophisticate
Piercing Pagoda
Pier 1 Imports
Pottery Barn
Priscilla of Boston
Reeds Jewelers
Roaman’s
RoomPlace
Restoration Hardware
Samuels Diamonds
Saturday Night Live
Sharper Image
Shop At Home
Smile Generation Financial
Spiegel
The Sportsman’s Guide
Stage Stores
The Company Store
Tile Shop
Tog Shop
Torrid
Total Rewards
Trek
True Value
UBG
Under Gear
Value City Furniture
Venue
Venus
Victoria’s Secret
Vintage King Audio
Wayfair
West Elm
Williams Sonoma
Winter Silks
Woman Within
Ulta Beauty
Younkers
Zales
Z Gallerie

Please note that the list is complete as of this story’s publishing date and is subject to change.

What Are the Benefits of a Comenity Bank Card?

If you’ve ever shopped at a major retail chain store, you’ve likely had a cashier ask if you’d like to sign up for the store’s credit card. The cashier often talks about the benefits, rewards, and coupons you’ll receive if you’re a cardholder.

Comenity Bank Logo

While those benefits are real, the cashier will rarely tell you about the higher-than-average interest rates and other potential fees you’ll incur.

That said, some Comenity Bank-issued credit cards do offer good rewards if you’re a regular shopper at the store listed on the card. The benefits can include 5% in rewards for every dollar you spend at Bed, Bath, and Beyond or extra rewards points for purchases at Ulta Beauty.

Some cards, such as the Big Lots Credit Card, offer special financing terms on larger purchases and occasional sales for cardholders.

While these benefits may serve you well on your purchases, most limit you in how you redeem them. Rewards points only have value with the retailer issuing them. Special financing terms typically only apply to large purchases of $100 or more.

Even if you have bad credit, there are open-loop credit cards that won’t limit where you use them or how you redeem your rewards. By choosing one of these cards instead of a store-branded card, you’ll have the freedom to spend wherever you want to spend — and redeem your rewards in any way that you choose to.

And since you won’t have to deal with the sky-high interest rates of most store-branded cards, you also won’t have to worry about finance charges ravaging your monthly budget.

You Have Better Options

We all have a favorite restaurant, store, or service. While the cashier at your favorite place may make the store’s credit card sound like an unbeatable deal, there are often far better options available to you.

Instead of impulsively applying at the register, consider one of our Comenity Bank store card alternatives. You’ll likely find a better deal than what your favorite merchant is offering.

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