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Comenity Bank Credit Cards

10 min read
Brendan Harkness By Brendan Harkness Sep 24, 2019 | Updated Dec 02, 2019

You might have never heard of Comenity, but you could actually have a credit card issued by this bank. Over 50 million Americans have a card issued by Comenity, one of the top providers of retail store credit cards (Synchrony Bank is the other big name for store cards).

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About Comenity Credit Cards

“Comenity” may refer to either Comenity Bank or Comenity Capital Bank, which are both owned by Alliance Data. As far as the average cardholder is concerned, there’s no difference between Comenity Bank credit cards and Comenity Capital Bank cards.

The vast majority of Comenity credit cards are co-branded with retail stores, although some credit programs are co-branded with other types of companies: travel services, gas stations and auto dealers, healthcare providers, and financial institutions.

Most Comenity cards are closed-loop or private label, meaning you can only use them at the co-branded company. Others are open-loop and networked with Visa, Mastercard, or Discover, meaning you can use them anywhere those cards are accepted.

Co-branded credit cards have rewards programs and perks that are focused on the partner company. They often provide a discount on your first purchase after being approved, like 20% off, and birthday gifts are pretty common too, especially with fashion retailers. If the card is networked, meaning it has a Visa, Mastercard, or Discover logo, it may also offer bonus categories that let you earn rewards points or cash back on other types of purchases.

If you’re not a devoted fan of a particular retailer or company, spending money with it consistently throughout the year, you’re probably not a good fit for its co-branded credit card. Instead, you’ll probably be better off with a general-use reward credit card. Some store cards offer special financing, however, and if you have your eye on a particular item you may want a store card to get some time to pay it off interest-free (these are usually deferred-interest financing offers, so be sure to pay them off responsibly).

Comenity credit cards are known for being easy to get (which is one reason why Comenity has over 50 million cardholders). This is true in general for all store cards, and it makes them attractive for people with no credit, limited credit, or bad credit, who have trouble being approved for the best general-use reward cards.  These cards are often marketed at checkout lines, tempting people with a quick discount, but this is not a good time to make serious financial decisions.

Whether you apply online or in store, Comenity will usually pull a credit report from Equifax or Experian, or both, to evaluate your creditworthiness.

Once you’re approved, Comenity will report your credit account activity, both positive and negative, to all three consumer credit bureaus — Equifax, Experian, and TransUnion.

There’s usually no annual fee, but credit lines generally start out small, like $500 or $1,000 (although credit limit increases are possible). High interest rates are common, so you’ll never want to carry a balance on a Comenity credit card (or any card for that matter, unless you have a 0% rate). If you carry a balance, the interest charges will quickly eat away at any rewards you earn with the card.

Be sure to pay your statement balance in full each month to avoid interest on your purchases.

Most Comenity cards can’t be used for balance transfers or cash advances.

Customer Service and Payment Processing

We’ve received many negative reports about Comenity credit cards. Comenity has a relatively high number of complaints compared to other card issuers, which are mostly focused on payment processing, administrative errors, and issues dealing with customer support.

Many people have reported that their payments were delayed or never arrived when they were supposed to, resulting in fees and damage to their credit scores. Others have had confusing interactions with customer service agents, who sometimes come off as rude.

A particularly damning report is that there is no autopay feature for at least some Comenity credit cards. This is a pretty big red flag because we usually recommend setting up automatic payments to avoid being late.

Although every credit card company gets its share of complaints, we recommend being wary of Comenity credit cards. If you use one, be sure that your payment details are up to date. We suggest paying off your Comenity cards very early, well ahead of the due date. You could pay your statement balance as soon as you get your monthly billing statement, or, to play it even safer, you could make payments throughout the month after making purchases with the card.

The Shopping Cart Trick: Credit Card Approvals With No Hard Inquiry

The shopping cart trick is rumored to let you be approved for certain credit cards without a hard inquiry on your credit reports, also known as a hard credit pull. Instead it only results in a soft inquiry. Some Comenity cards are supposed to work with this trick, as well as some other store cards from Synchrony Bank and Wells Fargo.

Basically, you fill up an online shopping cart and wait for a pop-up featuring your credit card offer. You don’t have to buy anything.

It’s unclear whether or not this method actually works. It may only provide a credit card pre-approval, which means you’re likely to be approved if you apply. If it does work, it could be a good way for people with bad credit to get approved for cards. The credit limits of cards received with this trick are reportedly quite small.

Many people claim they’ve been approved for store cards without hard inquiries, while others try the trick and find that a hard inquiry was actually performed. For those who claim it worked, it’s possible that they just didn’t check the specific credit report that the card issuer used for the inquiry. There are three major credit bureaus that create credit reports — Equifax, Experian, and TransUnion — and card issuers can run hard inquiries on any of them. So, for example, if an issuer does a hard pull on your Experian credit report but you only check your TransUnion report, you won’t see the hard inquiry even though one was made.

The shopping cart trick, if it works, doesn’t guarantee that anyone with any level of credit can be approved for a card. Instead it purports to only rely on a soft credit inquiry, which means the issuing bank takes a look at your credit and sees that you meet its standards for approval. So your credit is still used to make the decision, although a hard inquiry supposedly won’t be made.

With all that being said, some credit card blogs and travel hackers still swear by the shopping cart trick. So here it is, but beware: It could very well result in a hard inquiry, just like any other normal credit card application.

The Shopping Cart Trick

  1. Make sure that you’re opted-in for credit card promotional offers (you’re opted-in by default, unless you manually opt-out)
  2. Turn off your web browser’s popup blocker
  3. Clear your web browser’s cache
  4. Go to the website of the store you’re interested in (some say joining the loyalty program of the store will increase your odds of getting an offer)
  5. Add items to the store’s shopping cart (some say getting around $100 of merchandise works best)
  6. Begin the checkout process, using the same address and personal details as on your credit reports
  7. Continue the checkout process until you get to the final page, without buying anything
  8. Wait for a credit card offer to appear; if an offer doesn’t appear, close your browser and repeat steps 3 to 8

According to internet scuttlebutt, if you get a request to enter just the last four digits of your SSN, you might not get a hard inquiry for the application. But if you’re asked to enter your full SSN, you’re likely to get a hard inquiry. So if you’re trying this trick and you get a request for your full SSN, you may want to close your browser and try again.

Comenity Bank Retail Store Credit Cards

Take note that some of the Comenity credit cards in the following tables are discontinued for new applicants, although you can still use the links below to log in to your account, to see details and make payments. In some cases the cards were discontinued for current cardholders as well, meaning your account would have been closed. If that happened you should have received a notice; you can follow your card’s link to learn more.

Retail Store Card
Abercrombie & Fitch A&F Credit Card
American Credit Card
American Home
American Home Credit Card
American Kennel Club
AKC Visa® Credit Card
American Signature Furniture
American Signature Furniture Credit Card
Ann Taylor

Ann Taylor Credit Card

Ann Taylor Mastercard®

Anne Geddes
Ann Geddes Visa Credit Card
Annie Sez
Annie Sez Credit Card
Appleseed’s Credit Card
Appliances Connection Appliances Connection Credit Card
Archarge Credit Card
Ashley Stewart
Ashley Stewart Credit Card
Avenue Credit Card
Ballard Designs Ballard Designs Credit Card
Barneys New York Barneys New York Credit Card
Bealls Bealls Credit Card
Bealls Florida
Bealls Florida Credit Card
Bealls Outlet Bealls Outlet One Credit Card
Bed Bath & Beyond Bed Bath & Beyond Mastercard®
Bedford Fair BFA Credit Card
Bergner’s Credit Card
Big Lots
Big Lots Credit Card
BJ’s Perks Plus™ Mastercard

BJ’s Perks Elite™ Mastercard

Blair Credit Card
Blue Nile
Blue Nile Credit Card
Bon-Ton Credit Card
Boscov’s Credit Card
Boston Store
Boston Store Credit Card
Brownstone Studio
Brownstone Studio Credit Card
Camping World/Good Sam Good Sam Rewards Visa® Credit Card
Carson’s Carson’s Credit Card
Carter Lumber

Carter Lumber DIY Credit Card

Carter Lumber Commercial Credit Card

Catherines Credit Card
Century 21
C21STATUS Credit Card
Chadwicks® Gold Credit Card
Christmas Tree Shops
Christmas Tree Shops® andThat!® Mastercard®
Christopher & Banks
Christopher & Banks Credit Card
Coldwater Creek

Coldwater Creek Credit Card

Coldwater Creek Mastercard®

Colombian Emeralds
Colombian Emeralds Credit Card
Cost Plus World Market
Cost Plus World Market Mastercard®
Crate & Barrel

Crate&Barrel Credit Card

CrateBarrel Mastercard®

Crescent Jewelers
Crescent Jewelers Inc. Credit Card
David’s Bridal
David’s Bridal Credit Card
Design Within Reach
Design Within Reach Credit Card
Diamonds International Diamonds International Credit Card
Domestications Domestications Credit Card
Draper’s & Damon’s
Draper’s & Damon’s Credit Card
Dressbarn Dressbarn Credit Card
Dunlaps Dunlaps Credit Card
DutyFree DutyFree Credit Card
Earthwise Windows & Doors Earthwise Windows & Doors
Eddie Bauer Eddie Bauer Credit Card
El Dorado Furniture El Dorado Furniture BLUCard Credit Card
Express NEXT Express NEXT Credit Card

Express NEXT A-List Credit Card

Fashion Bug Fashion Bug Credit Card
Floor & Decor Floor & Decor Credit Card

Forever 21 Credit Card

Forever 21 Visa® Credit Card

Friedman’s Jewelers Friedman’s Jewelers Credit Card
FullBeauty FullBeauty Platinum Credit Card
GameStop GameStop PowerUp Rewards Credit Card
Gander Mountain

Gander Mountain Credit Card

Gander Mountain Mastercard®

Garden Ridge Garden Ridge Credit Card
Gardner-White Gardner-White Premier Credit Card
GEM Account GEM Account Credit Card
Giant Eagle Giant Eagle fuelperks! Credit Card
Gold Violin
Gold Violin Credit Card
Goody’s Goody’s Credit Card
Gordmans Gordmans Credit Card
Gordon’s Jewelers Gordon’s Jewelers Credit Card
Grandin Road
Grandin Road Credit Card
Haband Haband Credit Card
Hannoush Jewelers
Preferred Client Account Credit Card
Harmon Face Values Harmon® Face Values® Mastercard®
Henri Bendel
Henri Bendel A-List Credit Card
Herberger’s Herberger’s Credit Card
Home & Garden

Home and Garden Showplace Credit Card

Home and Garden Showplace Discover® Card

Hot Topic
Hot Topic Guest List Credit Card

HSN Credit Card

HSN Mastercard®

Iddeal Jewelry Iddeal Credit Card
Improvements Catalog Improvements® Credit Card
J.Crew J.Crew Credit Card
J. Jill J. Jill Credit Card
JD Williams JD Williams Credit Card
Jessica London Jessica London Platinum Card
Kane’s Furniture
Kane’s Furniture Credit Card
KingSize Platinum Credit Card
Kohler Generators
Kohler Generators Credit Card
Lane Bryant
Lane Bryant Credit Card
La Redoute
La Redoute Credit Card
Lenovo Preferred Card
Levin Furniture Levin Furniture Credit Card
LinenSource Credit Card
Little Switzerland Little Switzerland Credit Card

LOVELOFT Credit Card

LOVELOFT Mastercard®

Mandee Credit Card
Marianne Credit Card
Marisota from JD Williams
JD Williams Credit Card
Maurices Credit Card
Mayors Mayors Credit Card

Meijer Credit Card

Meijer Mastercard®

metrostyle Credit Card
Modell’s Sporting Goods
Modell’s MVP® Credit Card
Motorola Credit Card
MyPoints Rewards Visa® Credit Card
My World
My World Mastercard®
Newport News
Newport News Credit Card
New York & Company
Norm Thompson
Norm Thompson Credit Card
Old Pueblo Traders
Old Pueblo Traders Credit Card
OneStopPlus Visa® Credit Card
Orchard Supply Hardware
Orchard Supply Hardware Credit Card
Overstock Store Credit Card
Overton’s Mastercard®
PacSun Credit Card
Palais Royal
Palais Royal Credit Card
Peebles Credit Card
Petite Sophisticate Petite Sophisticate Credit Card
Petland Credit Card
Pier 1
My Pier 1 Rewards Credit Card
Piercing Pagoda
Piercing Pagoda Credit Card
Pottery Barn
Pottery Barn Credit Card
Pottery Barn Kids Pottery Barn Kids Credit Card
Premier Designs
Premier Designs Jeweler Rewards Credit Card
Priscilla of Boston
Priscilla of Boston Credit Card
REEDS Jewelers
REEDS Jewelers Credit Card
Restoration Hardware
RH Credit Card
Roaman’s Platinum Credit Card
Sahalie Credit Card
Samuel’s Diamonds
Samuel’s Diamonds Elite Credit Card
Serta iComfort Credit Card
Sharper Image
Sharper Image Credit Card
Shop At Home
Shop At Home Credit Card
Simply Simply Credit Card
Simply Be
Simply Be Credit Card
Spiegel Credit Card
Sportsman’s Guide
Sportsman’s Guide Buyer’s Club Advantage Rewards Visa®
Stage Stores
Stage Credit Card
Talbots Credit Card
The Children’s Place
My Place Rewards Card
The Company Store/Company Kids
The Company Store Credit Card
The Limited
The Limited Credit Card
The RoomPlace
The RoomPlace Credit Card
The Tile Shop
The Tile Shop Credit Card
The Tog Shop
The Tog Shop Credit Card
Torrid Insider Credit Card
Trek Credit Card
True Value

True Value Credit Card

True Value Discover® Credit Card

Ulta Beauty

Ultamate Rewards Credit Card

Ultamate Rewards Mastercard®

UnderGear Credit Card
United Buyers Group
UBG Consumer Credit Card
Value City Furniture
Value City Furniture Credit Card
Venue Credit Card
Venus Credit Card
Victoria’s Secret
Victoria's Secret Angel Card (Review)
Vintage King Audio
Vintage King Audio Credit Card
Wayfair Credit Card
west elm
west elm Credit Card
Williams Sonoma

Williams Sonoma Credit Card

Williams Sonoma Visa® Credit Card

WinterSilks Credit Card
Woman Within
Woman Within Platinum Credit Card
Younkers Younkers Credit Card
Zales The Diamond Card
Z Gallerie
Z Gallerie Credit Card

Comenity Bank Travel Credit Cards

Travel Service Card
Orbitz Orbitz Rewards Visa® Credit Card
Red Roof Inn RediCard+® Visa® Credit Card
Total Rewards
Total Rewards® Visa® Credit Card
Virgin America
Virgin America Visa® Credit Card
Westgate Resorts Westgate Rewards Mastercard®

Comenity Bank Gas & Auto Credit Cards

Company Card
ALON ALON Credit Card
Fuel Rewards Fuel Rewards Mastercard®
Grand Rental Station

Grand Rental Station Credit Card

Grand Rental Station Discover® Card

Grand Rental Station Commercial Credit Card

Lexus Pursuits

Lexus Pursuits Credit Card

Lexus Pursuits Visa®


Marathon Credit Card

Marathon Visa® Credit Card

Taylor Rental

Taylor Rental Credit Card

Taylor Rental Discover® Credit Card

Toyota Rewards

Toyota Credit Card

Toyota Rewards Visa®

Comenity Bank Medical Credit Cards

Healthcare Provider Card
American Laser Skincare American Laser Skincare Credit Card
CosmetiCredit Credit Card
Dental Alliance
Dental Alliance Credit Card
H3 WellnessPlus
H3 Wellness Plus Credit Card

HealthiPlan® Medical Credit Card

HealthiPlan® Patient Financing Credit Card

Lifestyle Lift
Lifestyle Lift Credit Card

MedChoice Credit Card

MedChoice Premium Credit Card

My Smile Care
My Smile Care Credit Card
Smile Generation
Smile Generation Credit Card

Comenity Bank Finance & Insurance Credit Cards

Company Card
AdWords Business AdWords Business Credit Card
Credit Connect Credit Connect Credit Card
Credo Credit Card
Farmers Insurance
Farmers® Rewards Visa® Credit Card
Lending Club
Lending Club Patient Solutions Credit Card
M.E.S.A. Money Credit Card
Your Tuition Solutions
Your Tuition Solution Credit Card

Comenity Bank Miscellaneous Credit Cards

Company Card
Saturday Night Live Saturday Night Live Mastercard®
Univision Univision Mastercard®
Ready to find the perfect new credit card? Take a look at our favorites in a variety of categories in The Best Credit Cards.

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