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Comenity Bank Credit Cards

10 min read
Brendan Harkness By Brendan Harkness Sep 24, 2019 | Updated Jun 16, 2020

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).

How Do I Contact Comenity Bank?

You can reach Comenity at the following phone numbers, or follow the links for more information:

Looking for your Comenity card? Jump to our full list of Comenity credit cards.

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.

Should I Get a Comenity Credit Card?

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.

How Is Comenity’s Customer Support 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.

How Do I Pay My Comenity Credit Card?

Got a Comenity credit card, and trying to figure out how to pay it off?

You can go to Comenity’s website and search for your credit card account. Then you’ll be able to log in and make payments.

What Is the Shopping Cart Trick?

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 according to these instructions 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 (marked by a *), 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.

Or, your card account may have been transferred to a different issuer, like Synchrony.

Retail Store Card
Abercrombie & Fitch A&F Credit Card
Academy Sports + Outdoors Academy Sports + Outdoors Credit Card*
Adorama Adorama Credit Card
American
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
ALL Rewards Credit Card
ALL Rewards Mastercard
Anne Geddes
Ann Geddes Visa Credit Card*
Annie Sez
Annie Sez Credit Card*
Appleseed’s
Appleseed’s Credit Card
Appliances Connection Appliances Connection Credit Card
Arhaus
Archarge Credit Card
Ashley Furniture HomeStore
The HOME Card*
Ashley Stewart
Ashley Stewart Credit Card
Avenue
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
Bergner’s Credit Card*
Big Lots
Big Lots Credit Card
BJ’s
BJ’s Perks Plus™ Mastercard
BJ’s Perks Elite™ Mastercard
Blair
Blair Credit Card
Blue Nile
Blue Nile Credit Card
Bon-Ton
Bon-Ton Credit Card*
Boscov’s
Boscov’s Credit Card
Boston Store
Boston Store Credit Card*
Brylane Home Brylane Home Platinum Credit Card
Buckle Buckle Credit Card
Build.com Build.com Credit Card
Burlington Burlington Credit Card
Burkes Outlet Burkes Outlet One Credit Card
Camping World/Good Sam Good Sam Rewards Visa® Credit Card
Carson’s Carson’s Credit Card
Carter’s Carter’s Credit Card
Carter Lumber
Carter Lumber DIY Credit Card*
Carter Lumber Commercial Credit Card*
Catherines
Catherines Credit Card
Century 21
C21STATUS Credit Card
Chadwick’s
Chadwicks® Gold Credit Card*
The Children’s Place My Place Rewards 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*
The Company Store/Company Kids The Company Store 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*
Dots Dots Credit Card*
Draper’s & Damon’s
Draper’s & Damon’s Credit Card
Dressbarn Dressbarn Credit Card*
DSW DSW Visa®
Dunlaps Dunlaps Credit Card*
DutyFree DutyFree Credit Card*
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
Forever21 Forever 21 Credit Card
Forever 21 Visa® Credit Card
Fortunoff Fortunoff Credit Card*
Friedman’s Jewelers Friedman’s Jewelers Credit Card*
Frontgate Frontgate Credit Card*
FullBeauty FullBeauty Platinum Credit Card
GameStop GameStop PowerUp Rewards Credit Card*
Gander Mountain Gander Mountain Credit Card*
Gander Mountain Mastercard®*
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 Family Clothing Credit Card*
Goody’s Mastercard*
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®
Helzberg Diamonds Helzberg Diamonds Credit Card
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
Houzz
Houzz Credit Card
HSN
HSN Credit Card*
HSN Mastercard®*
Iddeal Jewelry Iddeal Credit Card
Ideal Image Ideal Image VIP Credit Card*
Ikea IKEA Projekt Credit Card
IKEA Visa 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
KingSize Platinum Credit Card
Kohler Generators
Kohler Generators Credit Card*
Land’s End
Land’s End Credit Card
Land’s End Visa Credit Card
Lane Bryant
Lane Bryant Credit Card
Legendary Pine
Legendary Pine Mastercard
Lenovo
Lenovo Preferred Card*
Levin Furniture Levin Furniture Credit Card*
The Limited The Limited Credit Card*
LinenSource
LinenSource Credit Card*
Little Switzerland Little Switzerland Credit Card
LOFT ALL Rewards Credit Card
ALL Rewards Mastercard
Lucky Brand
Lucky Brand Rewards Credit Card*
Mandee
Mandee Credit Card*
Marianne
Marianne Credit Card*
Marisota from JD Williams
JD Williams Credit Card*
Maurices
Maurices Credit Card
Mayors Mayors Credit Card
Meijer
Meijer Credit Card*
Meijer Mastercard®*
metrostyle
metrostyle Credit Card*
Modell’s Sporting Goods
Modell’s MVP® Credit Card*
Motorola
Motorola Credit Card*
MyPoints
MyPoints Rewards Visa® Credit Card*
My World
My World Mastercard®*
Newport News
Newport News Credit Card*
Newport News Mastercard
New York & Company
RUNWAYREWARDS Credit Card
Norm Thompson
Norm Thompson Credit Card*
Old Pueblo Traders
Old Pueblo Traders Credit Card
OneStopPlus
OneStopPlus Visa® Credit Card*
Orchard Supply Hardware
Orchard Supply Hardware Credit Card*
Overstock
Overstock Store Credit Card
Overton’s
Overton’s Mastercard®*
PacSun
PacSun Credit Card*
Palais Royal
Palais Royal Credit Card
Peebles
Peebles Credit Card
Petland
Petland Credit Card
Pier 1
My Pier 1 Rewards Credit Card
Piercing Pagoda
Piercing Pagoda Credit Card
PlayStation PlayStation Visa 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
Roaman’s Platinum Credit Card
The RoomPlace The RoomPlace Credit Card
Sahalie
Sahalie Credit Card*
Samuel’s Diamonds
Samuel’s Diamonds Elite Credit Card*
Sephora Sephora Store Credit Card
Sephora Visa Credit Card
Sephora Visa Signature Credit Card
Serta iComfort Credit Card*
Silhouettes Silhouettes Credit Card*
Simply Simply Credit Card*
Simply Be
Simply Be Credit Card*
Sony Sony Visa® Credit Card
Spiegel
Spiegel Credit Card*
Sports Authority Sports Authority Credit Card*
Sportsman’s Guide
Sportsman’s Guide Buyer’s Club Advantage Rewards Visa®
Sportsman’s Warehouse Explorewards Visa Card
Stage Stores
Stage Credit Card
Talbots
Talbots Credit Card
TigerDirect
TigerDirect Credit Card*
The Tile Shop
The Tile Shop Credit Card
The Tog Shop
The Tog Shop Credit Card*
Torrid
Torrid Insider Credit Card
Trek
Trek Credit Card
True Value
True Value Credit Card*
True Value Discover® Credit Card*
Ulta Beauty
Ultamate Rewards Credit Card
Ultamate Rewards Mastercard
UnderGear
UnderGear Credit Card
United Buyers Group
UBG Consumer Credit Card*
Value City Furniture
Value City Furniture Credit Card*
Venue
Venue Credit Card*
Venus
Venus Credit Card
Victoria’s Secret
Victoria’s Secret Angel Card (Review)
Vintage King Audio
Vintage King Audio Credit Card*
Vitacost Vitacost Healthy Perks Mastercard
Wayfair
Wayfair Credit Card
west elm
west elm Credit Card
Williams Sonoma
Williams Sonoma Credit Card
Williams Sonoma Visa® Credit Card
WinterSilks
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
Interval International Interval World Mastercard
Orbitz Orbitz Rewards Visa® Credit Card
Red Roof Inn RediCard+® Visa® Credit Card*
Total Rewards
Total Rewards® Visa® Credit Card
Viking Cruises Viking Visa Credit Card*
Virgin America
Virgin America Visa® Credit Card*
Westgate Resorts Westgate Rewards Mastercard®
Worldwide Vacation & Travel Worldwide Vacation & Travel Mastercard

Comenity Bank Gas & Auto Credit Cards

Comenity Bank Medical Credit Cards

Comenity Bank Finance & Insurance Credit Cards

Comenity Bank Miscellaneous Credit Cards

Company Card
Caesars Rewards Caesars Rewards Visa Credit Card
Ohio University Ohio University Alumni Mastercard*
Penn National Gaming mycash Mastercard
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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