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Date Reviewed: January 06, 2020
IKEA® Visa® Credit Card
- Regular Purchase APR 21.99%
- Balance Transfer APR 26.99%
- Cash Advance APR 23.99%
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
Best Benefits
- Receive $25 off for making an IKEA purchase the same day the card is opened
- Receive $25 off for spending $500 outside of IKEA
- 5% back in rewards on IKEA purchases (includes the restaurant), Traemand installation and TaskRabbit assembly services
- 3% back in rewards on dining
- 3% back in rewards on groceries
- 3% back in rewards on utilities
- 1% back in rewards on all other purchases
Rates & Fees
- Regular Purchase APR: 21.99%
- Balance Transfer APR: 26.99%
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23.99%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
Date Reviewed: December 30, 2019
Houzz Mastercard®
- Regular Purchase APR 26.49% variable based on the Prime Rate
- Balance Transfer APR 26.99%
- Cash Advance APR 27.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
Best Benefits
- No annual fee
- $50 welcome reward when you use your card on Houzz
- 5% Rewards on Houzz purchases and 1% on all other purchases
- $50 Houzz Reward when you spend $500 in the first 90 days
Rates & Fees
- Regular Purchase APR: 26.49% variable based on the Prime Rate
- Balance Transfer APR: 26.99%
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
Date Reviewed: October 15, 2019
Lands' End® Visa®
- Regular Purchase APR 19.99% or 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99%
- Cash Advance APR 28.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
Best Benefits
- Earn a $5 reward for every 500 points earned
- 5X points per $1 spent on Lands' End purchases
- 2X points per $1 spent on gas, travel, and restaurants
- 1X points per $1 spent on all other purchases
- Free standard shipping on all purchases
- Take $50 off a $100+ purchase during your birthday month
- Receive a $20 Lands' End certificate for making an outside purchase with 60 days
Rates & Fees
- Regular Purchase APR: 19.99% or 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99%
- Balance Transfer Transaction Fee: $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
Date Reviewed: October 02, 2019
Sportsman's Warehouse Explorewards Visa®
- Regular Purchase APR 16.74% or 25.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99%
- Cash Advance APR 26.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
Best Benefits
- 5X points per dollar spent at Sportsman's Warehouse
- 2X points per dollar spent at gas/fuel stations
- 2X points per dollar spent at campgrounds
- 2X points per dollar spent at home improvement stores
- 1X points per dollar spent everywhere else
- Unlimited earning
- Rewards don't expire
- No annual fee
Rates & Fees
- Regular Purchase APR: 16.74% or 25.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99%
- Balance Transfer Transaction Fee: $10 or 5% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 26.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
Date Reviewed: September 20, 2019
American Kennel Club Visa®
- Regular Purchase APR 14.48%, 20.49% or 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99% variable based on the Prime Rate
- Cash Advance APR 26.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Fair
- Processing Network Visa
Best Benefits
- 3X points per $1 spent at pet stores, veterinary offices, and AKC purchases
- 2X points per $1 spent on gas and groceries
- 1X points for everything else
- No annual fee
- Customizable card image
Rates & Fees
- Regular Purchase APR: 14.48%, 20.49% or 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: $10 or 5% of the amount of the balance transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
Date Reviewed: September 20, 2019
Caesars Rewards Visa®
- Regular Purchase APR 15.49%, 19.49%, 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99% variable based on the Prime Rate
- Cash Advance APR 27.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good
- Processing Network Visa
Best Benefits
- 5X Reward Credits for every $1 spent at Caesars Rewards resorts and casinos
- 3X Reward Credits for dining at any of the 11,000 participating restaurants
- 2X Reward Credits for every $1 spent on airlines, gas, and groceries
- 1X Reward Credits for every $1 spent everywhere else
- One buffet pass (valid for 6 months)
- Earn 10,000 bonus points after spending $750 within 90 days
- Receive VIP Access Pass in Las Vegas for spending $10,000 within calendar year
Rates & Fees
- Regular Purchase APR: 15.49%, 19.49%, 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: $10 or 5% of the amount of the balance transfer, whichever is greater
- Cash Advance APR: 27.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: $5 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
Date Reviewed: September 19, 2019
Good Sam Rewards Visa® Credit Card
- Regular Purchase APR 15.49%, 21.49%, 26.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99%
- Cash Advance APR 27.49%
- Annual Fee None
- Credit Needed Good , Fair
- Processing Network Visa
Best Benefits
- 2,000 bonus points for your first purchase
- Double points on purchases outside of Good Sam brands (up to $1000)
- 5X points per $1 at Good Sam, Camping World, and Gander Outdoor
- 3X points per $1 at private campgrounds and gas stations
- 1X points per $1 for everything else
- No annual fee
Rates & Fees
- Regular Purchase APR: 15.49%, 21.49%, 26.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99%
- Balance Transfer Transaction Fee: $10 or 3% of the amount of the balance transfer, whichever is greater
- Cash Advance APR: 27.49%
- Cash Advance Transaction Fee: $10 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
Date Reviewed: September 19, 2019
Farmers® Rewards Visa®
- Regular Purchase APR 14.74%, 18.74%, 21.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99% variable based on the Prime Rate
- Cash Advance APR 23.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Visa
Best Benefits
- 3X points on Farmers products, gas, and home improvement purchases
- 3,000 bonus points for spending $500 in the first 90 days
- 0% purchase APR for 12 months
- Annual thank you bonus of 1,000 points
- No annual fee
- Points never expire
Rates & Fees
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 14.74%, 18.74%, 21.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: $10 or 3% of the amount of the balance transfer, whichever is greater
- Cash Advance APR: 23.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 5% of the amount of the cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
Date Reviewed: September 12, 2019
Home & Garden Showplace Discover®
- Regular Purchase APR 15.49%, 19.49%, 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99% variable based on the Prime Rate
- Cash Advance APR 27.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Fair
- Intro Purchase APR 0% for 6 months after account opening date
- Processing Network Discover
Best Benefits
- 3% back on Home & Garden Showplace and True Value purchases
- 2% back on gas and groceries
- 1% back for all other purchases
- $5 voucher every cardholder anniversary
- Lowest purchase price guarantee
- 24/7 roadside assistance
Rates & Fees
- Intro Purchase APR: 0% for 6 months after account opening date
- Regular Purchase APR: 15.49%, 19.49%, 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: $10 or 3% of the amount of the balance transfer, whichever is greater
- Cash Advance APR: 27.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
Date Reviewed: September 11, 2019
Orbitz Rewards® Visa®
- Regular Purchase APR 17.73%, 21.74%, or 26.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 28.99% variable based on the Prime Rate
- Cash Advance APR 28.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good
- Processing Network Visa
Best Benefits
- 10% back on hotel bookings through the Orbitz app
- 8% back on hotel bookings on desktop
- 7% back at qualifying restaurants in the Orbitz Rewards Dining program
- 6% back on all flights through Orbitz
- 2% back on all other purchases
- No annual fee or foreign transaction fee
- Earnings never expire
Rates & Fees
- Regular Purchase APR: 17.73%, 21.74%, or 26.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 28.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: $10 or 3% of the amount of the balance transfer, whichever is greater
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
Comenity Credit Cards
Comenity Bank is one of the largest issuers of co-branded credit cards. The bank currently issues close to 100 co-branded credit cards, including some of the most significant names in retail. Notable Comenity Bank partners include:
- Ann Taylor
- Bed Bath & Beyond
- BI’s
- Caesars
- Ikea
- Sephora
- Toyota
- True Value
Comenity cards come in two distinct varieties: open-loop and closed-loop. Open-loop credit cards feature a payment network, like Discover, Visa, Mastercard, or American Express. These cards are usable anywhere the payment network is accepted.
Closed-loop credit cards lack a payment network like Visa, Mastercard, or others. These cards are also known as private-label or store cards, meaning they only work when making purchases with the brand – either in-store or online.
Benefits of Comenity Credit Cards
Great Credit Cards for Average Credit Scores
Since the majority of Comenity cards are retail or store cards, they are excellent options for those looking to build credit. Generally, retail credit cards have lower credit score requirements, meaning those with fair or average credit scores can apply.
Those with average credit scores also have better acceptance odds with Comenity because retail cards tend to have lower credit limits. These reduced lending risks make Comenity Card options ideal for those trying to repair their credit. With on-time payments and responsible usage, Comenity offers a straightforward route to better credit card offers in the future.
Store Rewards
Retail cards earn rewards with the brands that c-issue the cards. Comenity cards are great for those who prefer to shop at specific brands and want to earn rewards with every purchase. Store cards also offer in-store discounts, savings on shipping, and other perks, which can provide significant value for loyal shoppers.
Drawbacks of Comenity Cards
Because they are retail cards, Comenity Bank credit cards also have some disadvantages. These shortcomings include:
- Limited Acceptance: Store cards and closed-loop credit cards only work with one retailer. If a Comenity Bank Card lacks the Visa, Mastercard, Discover, or American Express logo, cardholders will find limited acceptability.
- Higher APR: Because store cards are available to a broader selection of credit scores, they have higher-than-aver interest rates. The average APR for a store card is in the high 20s, with some rising above 30%. These high-interest rates make Comenity Bank credit cards ineffective choices for those who plan on carrying a balance.
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