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.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.99% - 27.99% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 18 billing cycles for purchases
|
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
|
17.99% - 27.99% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
- 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 19.74% - 28.49%.
- 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
|
19.74% - 28.49% Variable
|
$0
|
Good/Excellent
|
- Earn a 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
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- 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
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
19.74% - 29.74% (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.
- 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.
- 0% intro APR for 15 months on purchases. Then 16.99% - 27.99% Standard Variable Purchase APR will apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 months
|
0% Intro APR for 15 months
|
16.99% - 27.99% Variable APR
|
$0
|
Excellent/Good
|
- $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
|
19.74% - 29.74% (Variable)
|
$0
|
Excellent, Good
|
- 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®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
- 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
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
20.74% - 28.74% (Variable)
|
$95
|
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.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.99% - 27.99% Variable APR will apply. A 3% fee applies to all balance transfers.
- If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 18 billing cycles for purchases
|
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
|
17.99% - 27.99% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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 flights 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, 60,000 points are worth $900 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
21.74% - 28.74% Variable
|
$550
|
Good/Excellent
|
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- 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.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
21.24% - 28.24% Variable
|
$95
|
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% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% - 25.99% Variable APR will apply. A 3% fee applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 21 billing cycles for purchases
|
0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days
|
15.99% - 25.99% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 19.74% - 28.49% 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
|
19.74% - 28.49% Variable
|
$0
|
Good/Excellent
|
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.99% - 27.99% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 18 billing cycles for purchases
|
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
|
17.99% - 27.99% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
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.
- 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 16.99% to 27.99% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 months
|
0% Intro APR for 15 months
|
16.99% - 27.99% Variable APR
|
$0
|
Excellent/Good
|
- 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- No annual fee.
- Click through to Discover’s website to see terms and conditions.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 6 months
|
0% Intro APR for 18 months
|
16.99% - 27.99% Variable APR
|
$0
|
Excellent/Good
|
- 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 19.74% - 28.49%.
- 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
|
19.74% - 28.49% 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.
- 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 Capital One's mobile app
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
29.99% (Variable)
|
$0
|
Average, Fair, Limited
|
- 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
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
29.99% (Variable)
|
$39
|
Average, Fair, Limited
|
- 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! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.99% - 26.99% applies.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 6 months
|
10.99% Intro APR for 6 months
|
17.99% - 26.99% Variable APR
|
$0
|
Fair/New to Credit
|
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.
- 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 Provider Website
|
See Provider Website
|
Fair/Poor
|
- 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 Provider Website
|
See Provider Website
|
Fair/Poor
|
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
29.99% (Variable)
|
$0
|
Limited, Bad
|
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.
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. Some of the more popular merchants that partner with Comenity include Bed Bath & Beyond, Camping World, David’s Bridal, and Wayfair.
Here’s a full list of businesses that partner with Comenity:
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
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’s 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
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.
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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