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Lexus Pursuits Visa®
Lexus Pursuits Visa®
- 21.24%, 25.24%, or 30.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 32.24% variable based on the Prime Rate Cash Advance APR
At a Glance
Shop your way behind the luxurious wheel of a Lexus with the Lexus Pursuits Visa® credit card. Earn 5X points at Lexus dealerships; 2X points at gas stations, restaurants, and entertainment venues; and 1X everywhere else. Ideal for those who are in the market for a new Lexus or who regularly have their vehicle serviced or repaired at a Lexus dealership, use your earnings to reduce your costs at signup or to cover Lexus maintenance fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5X points at Lexus Dealerships
- 2X points on gas, dining, and entertainment
- 1X point everywhere else
- Flexible point redemption options
- No annual fee
- Regular Purchase APR: 21.24%, 25.24%, or 30.24% 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: 32.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of the cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You're a loyal Lexus customer and want to accumulate savings towards your next vehicle
- You take your Lexus to a dealership for service or repairs
- You want rewards for entertainment (includes sporting events, amusement parks, carnivals, aquariums, museums, music events, movie theaters, and more)
- You want a card with no annual fee
Petco Pay Mastercard
Petco Pay Mastercard
- 25.74% or 34.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 35.74% variable based on the Prime Rate Cash Advance APR
At a Glance
The Petco Pay Mastercard is a is a retail and cash back card for animal lovers everywhere. The card, from Comenity, earns up to 8% back in Pals Rewards on Petco purchases, plus 2% back on groceries – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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: 25.74% or 34.74% 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 transfer, whichever is greater
- Cash Advance APR: 35.74% 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
- You shop at Petco regularly
- You plan to finance larger Petco charges in the future
- You like the idea of making a donation with every purchase
- You do't want to pay an annual fee
PlayStation® Visa® Credit Card
PlayStation® Visa® Credit Card
- 19.24%, 25.24%, or 27.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months Intro Purchase APR
At a Glance
The PlayStation® Visa® Credit Card is a gaming rewards card from Comenity Bank. The no-annual-fee card offers the perfect platform for updating your gaming system, paying recurring bills, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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: 19.24%, 25.24%, or 27.99% 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 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
- You prefer PlayStation as your gaming ecosystem
- You're considering buying a new PlayStation 5 console
- You want a stylish card that shows your love for your favorite game series
- You don’t want to pay an annual fee for a rewards credit card
Sportsman's Guide Buyer's Club® Rewards Visa®
Sportsman's Guide Buyer's Club® Rewards Visa®
- 33.24% variable based on the Prime Rate Regular Purchase APR
- 26.99% Balance Transfer APR
- 33.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Sportsman’s Guide Buyer’s Club® Rewards Visa® works in tandem with the Sportsman’s Guide Buyer’s Club to provide additional 2.5% savings on every purchase in addition to all the perks of being enrolled in the loyalty program.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Extra 2.5% discount on every Sportsma's Guide purchase
- Earn 1% in points on outside purchases
- No annual fee
- Earn a $40 bonus reward certificate when open and spend $500 outside Sportsma's Guide with your Sportsma's Guide Buyer's Club Visa® Credit Card (where Visa is accepted) within the first 90 days of account opening
- Regular Purchase APR: 33.24% variable based on 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: 33.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $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 $41
- Return Payment Penalty Fee: Up to $41
- You're currently a member of the Sportsman’s Guide Buyer’s Club member
- You will spend $500 within the first 90 days
- You want a card with no annual fee
- You don’t mind paying a foreign transaction fee
Sportsman's Warehouse Explorewards Visa®
Sportsman's Warehouse Explorewards Visa®
- 20.49% or 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% Balance Transfer APR
- 30.49% variable based on the Prime Rate Cash Advance APR
At a Glance
If you’re the type that loves to get your hands dirty and rough it in the great outdoors, the Sportsman’s Warehouse Explorewards Visa® would be a great fit. Earn unlimited points at Sportsman’s Warehouse, gas stations, campgrounds, and home improvement stores; then redeem them for Sportsman’s Warehouse gift cards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5X points per dollar spent at Sportsma'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 do't expire
- No annual fee
- Regular Purchase APR: 20.49% or 29.49% 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: 30.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- 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
- You live in the Western U.S. or Alaska
- You want rewards for home improvement or camping
- You will spend $500 within the first 4 months of opening the card
- You want a card with no annual fee
Toyota Rewards Visa®
Toyota Rewards Visa®
- 21.24%, 25.24%, or 30.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% Balance Transfer APR
- 32.24% variable based on the Prime Rate Cash Advance APR
At a Glance
Use the Toyota Rewards Visa® to earn up to 5X points at Toyota dealerships, gas stations, restaurants, and entertainment venues. Perfect for those who are in the market for a new Toyota or who take their car for service and repair at their local Toyota dealership, use points to reduce your costs at signup or to cover your Toyota maintenance fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5X points at Toyota Dealerships
- 2X points on gas, dining, and entertainment
- 1X point everywhere else
- Flexible point redemption options
- No annual fee
- Regular Purchase APR: 21.24%, 25.24%, or 30.24% 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 the balance transfer, whichever is greater
- Cash Advance APR: 32.24% 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 the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You're a loyal Toyota customer and want to accumulate savings towards your next vehicle
- You take your Toyota to a dealership for service or repairs
- You want rewards for entertainment (includes sporting events, amusement parks, carnivals, aquariums, museums, music events, movie theaters, and more)
- You want a card with no annual fee
Ultamate Rewards® Mastercard
Ultamate Rewards® Mastercard
- 23.24%, 29.24%, or 32.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% Balance Transfer APR
- 33.24% variable based on the Prime Rate Cash Advance APR
At a Glance
If you love all things beauty, the Ultamate Rewards® Mastercard® is the credit card offer for you. Beauty lovers will be able to earn 2X points on all Ulta purchases, a modest 500 bonus points for spending after the first purchase (valued at $17.50), and 20% off all products and services using the Ultamate Rewards credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 500 bonus points after spending $500 outside of Ulta Beauty within the first 90 days
- Earn 2 points for every $1 spent at Ulta Beauty
- Earn 1 point for every $3 spent elsewhere
- 20% off your first Ulta Beauty Purchase
- Regular Purchase APR: 23.24%, 29.24%, or 32.24% 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 the balance transfer, whichever is greater
- Cash Advance APR: 33.24% 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 $41
- Return Payment Penalty Fee: Up to $41
- You spend at least $50 at Ulta Beauty per year
- You're a Platinum-level Ultamate Rewards member or higher
- You want a credit card with no annual fee
- You want an open-loop card to use anywhere Mastercard is accepted
- You will pay off the balance in full every month
Welcome Rewards™ Mastercard®
Welcome Rewards™ Mastercard®
- 18.49%, 22.49% or 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The Welcome Rewards™ Mastercard® (formerly the buybuy BABY® Mastercard®) is a rewards credit card built for anyone who shops at buybuy BABY® and their family of brands. Such brands include Bed Bath & Beyond and Harmon Face Values. If you’re entering parenthood, the buybuy BABY® Mastercard® may be an excellent credit line to use when you embark on a family journey with your baby.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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: 18.49%, 22.49% or 28.49% 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: 30.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- 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
- You have a new baby or one on the way
- You plan on shopping at buybuy BABY® stores and their family of brands on a regular basis
- You want to earn Reward Dollars on all their purchases
- You're interested in special financing for budget-friendly purchases
- You want a credit card for your purchases without the added expense of an annual fee
Westgate Rewards Mastercard®
Westgate Rewards Mastercard®
- 17.74% - 31.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2X points on all Westgate purchases
- 2X points on gas and groceries
- 1X points for everything else
- No annual fee
- Preferred check-in for hotel stay
- Regular Purchase APR: 17.74% - 31.74% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $35
- N/A
Sephora Visa® Credit Card
Sephora Visa® Credit Card
- 21.99% or 30.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 31.74% variable based on the Prime Rate Cash Advance APR
At a Glance
The Sephora Visa was made for beauty lovers and earns 4% back on Sephora purchases – a return that general credit cards can’t match. But the rewards program can be tricky to navigate – and even more difficult to generate tangible rewards – as such, only those who spend thousands at the brand should consider owning this card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 4% back on all Sephora purchases
- 1% back on all other purchases
- $20 signup bonus after spending $500 outside of Sephora within 90 days
- No annual fee
- Regular Purchase APR: 21.99% or 30.74% 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 each balance transfer, whichever is greater
- Cash Advance APR: 31.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount 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
- You're a current VIB Rouge member (minimum $1000 spend per year)
- You have access to a standalone branch (not located within a JCPenny)
- You already have a rewards credit card for everyday purchases such as dining or travel
- You live in the United States
- You want a card with no annual fee
You've viewed 5 of 30 credit cards
About Comenity Credit Cards
Comenity Bank is one of the largest issuers of co-branded retail credit cards in the United States. The bank, a subsidiary of Bread Financial (formerly Alliance Data Systems), isn’t the most recognizable name to those unfamiliar, but Comenity offers approximately 100 co-branded store cards with some of the most recognizable brands in the country, including the Victoria Secrets credit card.
Comenity cards come in two distinct varieties: open-loop and closed-loop. Open-loop credit cards feature a payment network like Visa, Mastercard, or American Express. These cards are usable almost anywhere the payment network is accepted.
Closed-loop credit cards lack a payment network. These cards are also known as private label or store cards, meaning they can only be used to make purchases with the brand – either in-store or online.
What Brands Offer Credit Cards Through Comenity?
As noted, dozens of brands offer co-branded retail cards through Comenity. The following is an example of the variety of open-looped credit cards available through Bread and Comenity Bank:
Beyond the Visa and Mastercard editions of cards with major brands, Comenity also offers many retail cards that are only for in-store or online use with that retailer. Store cards (the closed-loop variety) are a great way to access unsecured credit. This is because store cards have lower credit application rules than cards branded with the Visa, Mastercard, or American Express networks.
Here is a brief selection of examples of closed-loop store cards from Comenity:
Big Lots | Ann Taylor | Pier 1 Imports | Crate & Barrell |
Orbitz | Wayfair | Zales Jewelers | Piercing Pagoda |
Eddie Bauer | Sephora | Welcome Rewards | Pottery Barn |
There are additional credit card types through Comenity, including proprietary credit cards (the Comenity® Mastercard® and the Bread Cashback™ American Express®), plus credit cards tailored towards the following sectors:
- Health & Wellness
- Travel, including hotel and resort credit cards
- Home & Lifestyle
- Automotive
- Medical
- Educational
Common Features of Bread and Comenity Cards
There are common features to many of the Comenity and Bread credit cards. These factors typically include comprehensive protections from fraud through American Express, Mastercard, Visa, and many of the following:
Special Offers and Discounts: | Many Comenity credit cards provide cardholders with exclusive discounts, early access to sales, and special offers at partner retailers or brands. | ||
Rewards Programs: | Most Comenity credit cards offer rewards programs that allow cardholders to earn points, cashback, or miles on their purchases. These rewards can often be redeemed for various benefits, such as gift cards, merchandise, or travel. | ||
Personalized Benefits: | Comenity cards are designed to cater to specific customer interests. This means that the rewards, benefits, and offers often align with the cardholder’s lifestyle or preferences. | ||
Online Account Management: | Cardholders can manage their accounts online, view transaction history, make payments, and access their rewards through a user-friendly online portal or mobile app. | ||
Credit Building Opportunities: | Again, Comenity Bank may offer credit cards that are accessible to individuals with varying credit profiles, including those who are looking to build or rebuild their credit. | ||
Customer Support: | Comenity provides customer support for cardholders to address inquiries, resolve issues, and offer assistance with account-related matters. You can contact Comenity customer service at 1-855-823-1001. |
Comenity Bank issues credit cards through four payment networks. These networks include co-branded credit cards that offer Visa, Mastercard, and American Express protections. The bank also issues store cards, which can only be used for purchases from a specific store or a family of brands. The bank formerly issued a co-branded Discover Card, the True Value Discover® credit card, but that card is no longer available to new applicants.
What are the Benefits of Comenity Credit Cards?
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 build 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 APRs: Because store cards are available to a broader selection of credit scores, they have higher-than-average 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 for those who may frequently carry a balance.
Low Rewards Flexibility: Because retail credit cards – and especially closed-loop store cards – are tied to a store’s rewards program, there are fewer redemption options versus an open-loop store card that allows other options like cash back, statement credits, or travel purchases.
Are There Other Alternatives to a Comenity Store Card?
Bread/Comenity is just one issuer of co-branded store cards. Several other store card issuers include big names like Citi, TD Bank, and Chase. Another major issuer of co-branded retail cards is Synchrony, which offers cards from brands like the Sam’s Club® Mastercard®, Amazon Secured Store Card, Belk Rewards, TJ Maxx, and more
FAQs About Bread Financial & Comenity Bank
Still have questions about Comenity Bank and its parent company, Bread Financial? Here are answers to some of the more commonly-asked questions regarding the bank:
Comenity Capital Bank issues and services credit cards for some of the country’s most recognized brands. You can count on Comenity for award-winning customer care and exciting card offers.
You can write to Comenity Bank at PO Box 182273 Columbus OH 43218.
You can reach Comenity customer service agents by calling 1-800-315-7260.
Comenity actually uses all three credit bureaus to gauge an applicant’s suitability for a credit card. Unfortunately, this means you need to stay vigilant on your Experian, Equifax, and TransUnion credit reports before applying for a Comenity credit card.
Yes, many Comenity co-branded credit cards offer prequalification before applying. An example of cards that offer this service include the Toyota/Lexus Rewards Visa®.
Related Article: How to Pre-Qualify for a Credit Card
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