The Ultimate Guide to Credit Cards
Friday, December 13, 2019

21 Comenity Bank Store Card Alternatives

21 Comenity Bank Store Card Alternatives

credit card advice

Adam West
By: Adam West
Posted: December 4, 2019

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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 (<579)
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

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
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
16.49% - 25.24% Variable
$0
Good/Excellent
Discover it® Cash Back Review

at Discover Card'ssecure website

CASH BACK RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent

CASH BACK RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 25.24% (Variable)
$0 intro for first year; $95 after that
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

★★★★★
5.0

OVERALL RATING

4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day.
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Named ‘The Best Travel Card' by CNBC, 2018
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 24.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good
Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
10.99% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent

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 $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 12 leading travel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
13.74% - 23.74% (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

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 60,000 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®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 24.49% Variable
$95
Good/Excellent

POINTS & GIFTS RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 25.24% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

POINTS & GIFTS RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 12 leading travel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
13.74% - 23.74% (Variable)
$0
Excellent, Good

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

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
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
16.49% - 25.24% Variable
$0
Good/Excellent

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
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
16.49% - 25.24% Variable
$0
Good/Excellent

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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 for 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.74% - 25.74% (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

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent

GOOD CREDIT RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
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
16.49% - 25.24% Variable
$0
Good/Excellent

GOOD CREDIT RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
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
16.49% - 25.24% Variable
$0
Good/Excellent

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

★★★★★
4.8

OVERALL RATING

3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$39
Average, Fair, Limited
Credit One Bank® Platinum Visa® Review

at Credit One'ssecure website

FAIR CREDIT RATING

★★★★★
4.7

OVERALL RATING

3.8/5.0
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.49% to 25.49% Variable
$0 - $99
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.

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad
Fingerhut Credit Account Review

at Fingerhut'ssecure website

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  • Not an access card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuers Website
$0
Poor Credit
Total Visa® Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★★
4.5

OVERALL RATING

3.5/5.0
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Terms
See Terms
Fair, Bad Credit

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.