Other than the ability to earn cash back on all of your purchases and redeem them as statement credit, this card comes with a straightforward design. However, that doesn’t mean the card has nothing else to offer.
As most modern credit cards, the Comenity Mastercard comes with tap to pay technology, and it can also be added to your phone’s e-wallet so you can pay with Apple Pay.
This card comes with zero liability for unauthorized purchases as part of Mastercard’s coverage, and applies to any purchase whether it’s been done in person at a store, online or over the phone.
If your card is ever lost or stolen, you can have access to a replacement card by the next day across the U.S., and within two business days almost anywhere else, so that you always have access to your account when you need it. If you need access to funds earlier than that, you can take advantage of the emergency cash advance feature, generally 15 minutes within the U.S. and one hour almost everywhere else.
Featured Partner Offers
Credit Score
Excellent, Good, Fair
Regular APR
19.24% - 29.24% (Variable)
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
Welcome Bonus
Cashback Match™
Credit Score
Excellent/Good
Regular APR
18.24% - 28.24% Variable APR
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
On Chase Bank USA, NA's Website
Welcome Bonus
Up to $300 cash back
Credit Score
Excellent, Good
Regular APR
20.49% - 29.24% Variable
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Earning and Redeeming Rewards
Every time you use your card to make purchases, you will earn an unlimited 1.5% cash back. Your cash back will be applied as a statement credit, and while that doesn’t give you the flexibility to choose what you want to spend your rewards on, it also frees you from trying to find best uses for the rewards you earn.
When redeeming your cash back, make sure to continue making your minimum required payments, it may take up to six business days to post.
From time to time, Comenity may offer bonus cash back for special offers allowing you to earn additional rewards. Terms apply, so make sure to read them as they may contain conditions or limitations like blackout periods, earning caps or any sort of exclusions, as well as other requirements like previous registration to qualify for the special offers.
Rewards Potential
To arrive at this number, Forbes Advisor uses data from various government agencies in order to determine both baseline income and spending averages across various categories. The 70th percentile of wage-earning households brings in $118,438 annually and has $78,893 in standard expenses. Assuming 50% of such expenses are charged to this card, total annual card spending would be $39,545.
The total cash back earned by our sample household would be about $593.18, plus the welcome bonus. Because everyone’s spending patterns differ, we suggest you look at your shopping habits and compare the rewards earned for any card you are considering.
FAQs
Your Comenity Bank credit card could have been closed for various reasons, including the following: Inactivity. Your account was in default. Missed payments.
Is Comenity Bank owned by Capital One? ›
No, Comenity Bank is not owned by Capital One, it is a Bread Financial company that mostly issues store credit cards. Capital One, on the other hand, is one of the biggest banks in the U.S., offering a range of financial products and services, including credit cards, auto loans, and savings accounts.
What credit score do you need for Comenity Bank? ›
The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you'll need a score of about 640 or higher. And since the average person's credit score is about 40 points above that, these cards are well within reach for most of us.
What company uses Comenity Bank? ›
Stores that offer retail credit cards through Comenity Bank
Ann Taylor Credit Card* Welcome Rewards™ Store Credit Card (Bed Bath & Beyond)* Big Lots Credit Card* Eddie Bauer Credit Card*
Is Comenity Capital Bank in trouble? ›
FDIC Announces Settlement with Comenity Bank and Comenity Capital Bank for Deceptive Practices Related to Credit Card Add-On Products.
Is there a lawsuit against Comenity Bank? ›
Sauder Schelkopf filed a class action lawsuit on behalf of individuals who have been unable to access their funds on credit cards issued by Bread Financial and its subsidiary Comenity Bank.
Who took over Comenity Bank? ›
Bread Financial
Formerly | Alliance Data Systems Corporation (1996–2022) |
---|
Total assets | US$22.547 billion (2020) |
Total equity | US$1.521 billion (2020) |
Number of employees | ~8,000 worldwide (2023) |
Subsidiaries | Comenity Bank Comenity Capital Bank |
14 more rows
What is the other name for Comenity Bank? ›
Bread Financial services your credit card account through our banks. Comenity Bank and Comenity Capital Bank are Bread Financial companies. You can manage your account online through Account Center.
Who does Comenity Bank sell debt to? ›
Your Comenity Bank account was charged-off and sold to Midland Credit Management. Going forward, you'll be working with MCM to resolve your account. Our flexible payment options are designed to fit your needs.
How hard is it to get a Comenity credit card? ›
You need a credit score of 640 or higher to get a Comenity Bank credit card in most cases. That means you need at least fair credit to get approved. However, there are some Comenity credit cards that require a credit score of 700 or better (good credit).
No, despite claims to the contrary, it does not help you get a new credit card account without a hard credit inquiry. Rather, you can use it to see if you're pre-approved for a certain store card, which can be quite helpful.
Does Comenity Bank automatically increase credit limit? ›
Comenity occasionally reviews credit card accounts to see whether they can automatically increase credit limits for select cardholders, based on creditworthiness. Automatic increases will result in soft inquiries and won't affect your credit score as a result.
What store card is easiest to get approved for? ›
Best Instant Approval Store Credit Cards Cards
- Prime Visa: Best for Online Shopping.
- Costco Anywhere Visa® Card by Citi *: Best For Wholesale Clubs.
- Gap Good Rewards Credit Card *: Best Clothing Store Card.
- Key Rewards Visa *: Best For Furniture And Home Decor.
- Target RedCard™ Credit Card *: Best For Target Shoppers.
Where is the headquarters for Comenity Bank? ›
What can I use my Comenity card for? ›
Which stores work with Comenity Bank?
- Ikea.
- Ann Taylor.
- Victoria's Secret.
- DSW.
- BJ's.
- Eddie Bauer.
- Sony.
- Forever 21.
Why are credit card companies closing my accounts? ›
If you haven't used your card for several months, your credit card issuer may close your account for inactivity. If you aren't using the card, the issuer isn't making any money from "swipe fees" — or the fees it charges merchants when you make a purchase with your card.
What does it mean when a creditor closes your account? ›
Generally, accounts are closed if there's prolonged inactivity, overspending, or a history of missed or late payments. The creditor is also likely to close the account if you're participating in a hardship program or payment plan, which seems to be your case.
Why are all banks closing my accounts? ›
Banks close accounts for various reasons, from suspecting fraudulent activity to prolonged inactivity. The best way to protect your account is to keep enough money in it, be proactive about knowing your bank's policies and follow any rules associated with it.