Comenity Bank Credit Cards Reviews

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Best Benefits

8% Back in Pals Rewards at participating Petco locations and Petco.com
2% back in Pals Rewards at grocery stores
$25 Pals Reward when you spend $500 outside of Petco in the first 90 days
No annual fee

Rates & Fees

Regular Purchase APR: 17.49% or 26.49% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 26.99% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 5% of the 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 transaction, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars

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Best Benefits

No annual fee
0% intro APR for the first 6 months
Earn 5X points on PlayStation or Sony purchases
Earn 3X points on internet and cable bills
Earn 2X points on dining

Rates & Fees

Regular Purchase APR: 13.99%, 19.99%, or 22.74% variable based on creditworthiness and 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: 23.74% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $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 $40
Return Payment Penalty Fee: Up to $40

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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 $40
Return Payment Penalty Fee: Up to $40

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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: 24.99% 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: 25.99% 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 $40
Return Payment Penalty Fee: Up to $40

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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: 18.49% or 25.74% variable based on creditworthiness and 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: 26.74% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $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 $40
Return Payment Penalty Fee: Up to $40

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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: 15.24% or 24.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 26.99%
Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each balance transfer, whichever is greater
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $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 $40
Return Payment Penalty Fee: Up to $40

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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: 12.98%, 18.99% or 22.99% 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: 24.99% 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 $40
Return Payment Penalty Fee: Up to $40

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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: 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 26.99% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 5% of the amount of the balance transfer, whichever is greater
Cash Advance APR: 25.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $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 $40
Return Payment Penalty Fee: Up to $40

Credit Card Deals

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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: 13.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 26.99%
Balance Transfer Transaction Fee: Either $10 or 5% of the amount of the balance transfer, whichever is greater
Cash Advance APR: 25.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $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 $40
Return Payment Penalty Fee: Up to $40

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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: 13.24%, 17.24%, or 20.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 26.99% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 5% of the amount of the balance transfer, whichever is greater
Cash Advance APR: 22.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $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 $40
Return Payment Penalty Fee: Up to $40

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Comenity Credit Cards

Comenity Bank is one of the largest issuers of co-branded credit cards. Comenity 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 Bank 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, like Comenity , earn rewards with the brands that 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 Bank Credit 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.

Browse the Best Comenity Bank Credit Cards of 2021

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Comenity Credit Cards

Benefits of Comenity Bank Credit Cards

Great Credit Cards for Average Credit Scores

Store Rewards

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