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
A TCPA class action lawsuit was filed against Comenity Bank—which owns a number of popular store credit cards like Abercrombie and Fitch, Crate & Barrel, Ann Taylor, and Victoria's Secret just to name a few—alleging the bank placed call to consumers' cell phones using an automatic telephone dialing system and/or a ...
What credit score is needed for 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).
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 has happened to Comenity Bank? ›
Comenity Bank recently underwent a brand change. It's now Bread Financial, a financial services company offering payment, lending and savings products, among others. That means if you're already a Comenity cardholder, you'll eventually see Bread Financial and its new logo replace the Comenity Bank name and logo.
Why is Comenity Bank closing my credit cards? ›
Your Comenity Bank credit card could have been closed for various reasons, including the following: Inactivity. Your account was in default. Missed payments.
Is Bank of America merging with Comenity Bank? ›
Welcome! In October 2022, Comenity Capital Bank will take over issuance and servicing of your existing AAA credit card account from Bank of America®. Your new card will change its name to AAA Travel Advantage Visa® Credit Card and provide added best-in-class benefits and service to your account.
What Bank does Comenity use? ›
Comenity Bank and Comenity Capital Bank are Bread Financial companies. You can manage your account online through Account Center. Search for your specific card to get started. You'll be able to sign in, check your balance and transactions and schedule your payments.
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.
Who owns Comenity Bank? ›
What did Comenity used to be called? ›
Comenity Bank was first formed as World Financial Network National Bank in 1989 with the goal of providing private-label credit card services to various retail establishments.
The easiest Comenity Cards to get are the ones you can use the shopping cart trick on as they are not checking your credit. Out of the cards Comenity offer that this trick works on, most people find Victoria's Secret & Overstock the easiest to get the pop up on. [Read: What Are The Easiest Credit Cards To Get?]
What stores are part of 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*
- IKEA® Projekt Credit Card*
- Sephora Visa® Credit Card*
- Ultamate Rewards® Credit Card (Ulta Beauty)*
Q. Was Comenity Bank hacked? A. No, we did not experience a cyber attack of any kind.
Is Comenity Bank safe? ›
Yes, Bread Savings, formerly Comenity Direct, is a product of Comenity Capital Bank, which is FDIC-insured (FDIC Certificate No. 57570). This means that your money is insured for up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.
Is Victoria Secret a Comenity Bank? ›
Mastercard® or Victoria's Secret Credit Card are issued and credit is extended by Comenity Bank, Wilmington, Delaware.
How much is the Comenity Bank settlement? ›
Under the FDIC orders, Comenity Bank will pay a civil money penalty (CMP) of $2 million and provide restitution of approximately $53 million to harmed consumers. Comenity Capital Bank will pay a CMP of $450,000 and provide restitution of approximately $8.5 million to harmed consumers.
Is Comenity Capital Bank safe? ›
Is Bread Savings FDIC insured? Yes, Bread Savings, formerly Comenity Direct, is a product of Comenity Capital Bank, which is FDIC-insured (FDIC Certificate No. 57570). This means that your money is insured for up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.
What happens if you don't pay Comenity Bank? ›
If you default on any of your Comenity accounts, or with any of your other creditors, and you are unable to work out a solution with them, you will end up in collections.
