Showing 29 Cards
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Bread Cashback™ American Express® Credit Card
Earn Unlimited 2% Cash Back
- Regular Purchase APR 19.24%, 26.74%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99% variable based on the Prime Rate
- Cash Advance APR 29.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair
- Processing Network American Express
- No annual fee
- No foreign transaction fees
- Earn 2% cash back on all eligible purchases
- Regular Purchase APR: 19.24%, 26.74%, or 29.99% 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 each transfer, whichever is greater
- Cash Advance APR: 29.99% 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 $41
- Return Payment Penalty Fee: Up to $41
+ 1.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2% cash back
Welcome Rewards™ Mastercard®
Earn Rewards or Special Financing
- Regular Purchase APR 17.74%, 21.74% or 27.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 28.74% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good
- Processing Network Mastercard
- Earn 5% back in Rewards for every $1 spent at buybuy BABY® and their family of brands
- Earn 2% back in Rewards for every $1 spent at gas stations and grocery stores
- Earn 1% back in Rewards for every $1 spent anywhere else Mastercard® is accepted
- Earn rewards OR special financing
- 6 month special financing when you spend $250–$499.99 at buybuy BABY® and their family of brands
- 12 month special financing when you spend $500 or more at buybuy BABY® and their family of brands
- No Annual Fee
- Regular Purchase APR: 17.74%, 21.74% or 27.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.74% 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 $41
- Return Payment Penalty Fee: Up to $41
+ 2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 4% cash back
+ 0.8% cash back
+ 1.2% cash back
Comenity® Mastercard® Credit Card
Spend. Earn. Repeat.
- Regular Purchase APR 21.74% or 28.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99% variable based on the Prime Rate
- Cash Advance APR 28.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good
- Processing Network Mastercard
- No annual fee
- Earn 1.5% cash back on all purchases
- $100 cash back when you spend $500 or more within 90 days of opening your account
- Zero Fraud Liability
- Regular Purchase APR: 21.74% or 28.74% 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 each transfer, whichever is greater
- Cash Advance APR: 28.99% 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 $41
- Return Payment Penalty Fee: Up to $41
+ 2% cash back
+ 2.4% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 4% cash back
Petco Pay Mastercard
20% Off Your First Purchase
- Regular Purchase APR 21.24% or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99% variable based on the Prime Rate
- Cash Advance APR 29.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good , Fair
- Processing Network Mastercard
- 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
- Regular Purchase APR: 21.24% or 29.99% 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 transfer, whichever is greater
- Cash Advance APR: 29.99% 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
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
+ 2% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
PlayStation® Visa® Credit Card
Earn Up To 5X Points Directly From PlayStation
- Regular Purchase APR 16.99%, 22.99%, 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 NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Intro Purchase APR 0% for 6 months
- Processing Network Visa
- No annual fee
- Earn 5X points on PlayStation or Sony purchases
- Earn 3X points on internet and cable bills
- Earn 2X points on dining
- Earn 1 point per $1 spent on all other purchases
- Intro Purchase APR: 0% for 6 months
- Regular Purchase APR: 16.99%, 22.99%, 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 $41
- Return Payment Penalty Fee: Up to $41
+ 2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 2.4% cash back
IKEA® Visa® Credit Card
$25 Off Your First IKEA Purchase of $25 or More
- Regular Purchase APR 21.99%
- Balance Transfer APR 26.99%
- Cash Advance APR 23.99%
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- 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
- 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 $41
- Return Payment Penalty Fee: Up to $41
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 2.4% cash back
+ 2% cash back
+ 2.4% cash back
+ 4% cash back
+ 0.8% cash back
+ 0.8% cash back
Houzz Mastercard®
Earn 5% Back on Houzz Purchases
- Regular Purchase APR 27.99% variable based on the Prime Rate
- Balance Transfer APR 26.99%
- Cash Advance APR 28.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- No annual fee
- $50 welcome reward when you use your card on Houzz
- 5% Rewards on Houzz purchases and 1% on all other purchases
- Additional $50 Houzz Reward when you spend $500 in the first 90 days
- Regular Purchase APR: 27.99% 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: 28.99% 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 $41
- Return Payment Penalty Fee: Up to $41
+ 0.8% cash back
+ 2% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 1.2% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 4% cash back
+ 2.4% cash back
Lands' End® Visa®
Receive 50% Off Your First Lands' End Purchase
- Regular Purchase APR 21.49% or 28.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99%
- Cash Advance APR 29.74% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- 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
- Regular Purchase APR: 21.49% or 28.74% 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: 29.74% 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 $41
- Return Payment Penalty Fee: Up to $41
+ 4% cash back
+ 2% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
Sportsman's Warehouse Explorewards Visa®
Earn 5,000 Bonus Points After Spending $500
- Regular Purchase APR 18.24% 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 NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- 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
- Regular Purchase APR: 18.24% or 27.24% 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: 28.24% 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 $41
- Return Payment Penalty Fee: Up to $41
+ 0.8% cash back
+ 2.4% cash back
+ 1.2% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2% cash back
+ 0.8% cash back
Caesars Rewards Visa®
10,000 Bonus Points for Spending $750
- Regular Purchase APR 19.74%, 23.74%, or 28.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99% variable based on the Prime Rate
- Cash Advance APR 29.74% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good
- Processing Network Visa
- 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
- Regular Purchase APR: 19.74%, 23.74%, or 28.74% 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: 29.74% 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 $41
- Return Payment Penalty Fee: Up to $41
+ 2.4% cash back
+ 2.4% cash back
+ 2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 4% cash back
You've viewed 10 of 29 credit cards
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
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