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DSW Visa® Credit Card
DSW Visa® Credit Card
- 15.23%, 21.24%, or 25.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 3 points for every dollar spent inside DSW
- Earn 1 point for everything else
- Free return shipping on all orders
- Recieve $25 after spending $500 outside DSW within first 90 days
- Receive $25 after your card arrives in the mail
- Regular Purchase APR: 15.23%, 21.24%, or 25.24% 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: 27.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% 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
- N/A
American Kennel Club Visa®
American Kennel Club Visa®
- 12.98%, 18.99% or 22.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 24.99% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- 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
- N/A
Bed Bath & Beyond® Mastercard®
Bed Bath & Beyond® Mastercard®
- 17.74%, 21.74%, or 27.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
Home is where the heart is and the Bed Bath & Beyond® Mastercard® is a handy retail card that provides both cash rewards and special financing options for those who want to decorate and their space. Cardholders can enjoy special interest-free financing for up to 12 months, a signup bonus up to $100, and 5% back on their Bed Bath & Beyond purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Receive $25 off of $100 Welcome Coupon when card arrives
- Earn a $25 gift certificate after spending $1,000 within the first 6 months
- Earn an additional $75 gift certificate after spending $6,000 within the first 6 months
- 6 months of special financing on Bed Bath & Beyond purchases between $250 - $499.99
- 12 months of special financing on Bed Bath & Beyond purchases of $500 or more
- 5% back on all purchases at Bed Bath & Beyond®
- 2% back on gas and groceries
- 1% back on all other purchases
- 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 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 $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 an average of $200 at Bed Bath & Beyond on a regular basis
- You expect to make a large purchase at Bed Bath & Beyond of over $500
- You love home furnishings and don’t have a dedicated gas or grocery card
- You want a card with no annual fee
Farmers® Rewards Visa®
Farmers® Rewards Visa®
- 13.99%, 17.99%, or 20.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 22.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 13.99%, 17.99%, or 20.99% 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: 22.99% 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 $41
- Return Payment Penalty Fee: Up to $41
- N/A
Home & Garden Showplace Discover®
Home & Garden Showplace Discover®
- 15.49%, 19.49%, 24.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 27.49% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months after account opening date Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- 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
- N/A
True Value Discover®
True Value Discover®
- 15.74%, 21.74%, 26.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 27.99% variable based on the Prime Rate Balance Transfer APR
- 27.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3% back on True Value and Home & Garden Showplace 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
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 15.74%, 21.74%, 26.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 27.99% 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: 27.99% 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
- N/A
BJ's Perks Plus® Mastercard®
- 18.74% or 28.74variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
BJ’s Inner Circle® members can amplify their savings even further with the BJ’s Perks Plus® Mastercard®; earn 3% cash back on BJ’s purchases and save 10¢ on every single gallon at BJ’s gas stations. Earnings can be redeemed at BJ’s checkout in $20 increments.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Save 10¢ off per gallon at BJ's Gas®
- 3% cash back on most BJ's purchases
- 2% cash back on dining and non-BJ's gas stations
- 1% cash back for everything else
- No annual fee
- Requires BJ’s Perks Rewards® membership
- Regular Purchase APR: 18.74% or 28.74variable 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: 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
- 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 BJ’s Inner Circle membership
- You spend at least $550 at BJ’s gas stations or $667 at BJ’s checkout per year
- You want direct savings per gallon on gas
- You want a card with no annual fee
BJ's Perks Elite® Mastercard®
- 18.74% or 28.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The BJ’s Perks Elite® Mastercard® allows shoppers to earn up to 5% back on purchases, which can then be used for savings at checkout (in addition to impressive savings of 10¢ per gallon at BJ’s gas stations). There is no annual fee, but you will need a Perks Rewards® membership in order to apply.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Save 10¢ off per gallon at BJ's Gas®
- 5% cash back on most BJ's purchases
- 2% cash back on dining and non-BJ's gas stations
- 1% cash back for everything else
- No annual fee
- Requires BJ’s Perks Rewards® membership
- Regular Purchase APR: 18.74% 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 the balance 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
- 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 BJ’s Perks Rewards® Primary Member ($110 membership)
- You annually spend $400 at BJ’s stores or $1,100 at BJ’s gas stations
- You want direct savings on gas purchases
- You want a card with no annual fee
Orbitz Rewards® Visa®
Orbitz Rewards® Visa®
- 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 26.99% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 9% 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
- 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: 26.99% 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 $38
- Return Payment Penalty Fee: Up to $38
- N/A
Williams Sonoma Visa®
Williams Sonoma Visa®
- 24.99% variable based on the Prime Rate Regular Purchase APR
- 24.99% variable based on the Prime Rate Balance Transfer APR
- 24.99% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5% on Willams Sonoma purchases
- Earn 4% back on purchases at grocery stores and restaurants (excluding fast food)
- Earn 1% back on everything else
- Free standard shipping on Willams Sonoma
- Receive a $25 certificate during your birthday month
- Earn a $25 certificate every time you earn $25 in rewards
- Regular Purchase APR: 24.99% variable based on the Prime Rate
- Balance Transfer APR: 24.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the transfer amount if there is a promotional APR. Otherwise, none
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% 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
- N/A
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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