A credit score of 640 or higher is needed to get a Comenity Bank credit card. Some Comenity credit cards require a credit score of 700 or better, though. In other words, applicants need at least fair or good credit, depending on the card.
Comenity credit cards are known for being easy to get. Most Comenity Bank credit cards are store cards, meaning you can only use them at whatever retailer they’re tied to, and most of them only require fair credit for approval. There are exceptions, however, such as the co-branded cards that can be used wherever Visa or Mastercard is accepted. They require at least good credit.
The minimum credit score needed for a Comenity Bank credit card varies by card. Applicants who have a good credit score (i.e. a credit score of 700+) can get approved for most Comenity Bank credit cards, while a fair credit score (i.e. a credit score of 640+) is enough for others.
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. Unfortunately, Comenity Bank doesn’t offer any cards for people with bad credit, so its cards aren’t quite as easy to get as … read full answersecured credit cards, for example. It’s also important to note that Comenity Bank specializes in store cards, which you’ll only be able to use at one (or sometimes a few) specific retailers.
Here are some Comenity Bank credit cards that are easy to get:
Zales Credit Card. Requires fair credit. No annual fee. 10% off all repair services. $50 off a $200+ purchase on your birthday. 0%-9.99% deferred interest for 6-36 months. Free shipping and exclusive coupons.
Ann Taylor Credit Card. Requires fair credit. No annual fee. 15% off the day you open an account, plus the first Thursday of every month. $15 birthday gift. 5 points per $1 spent. Double points during exclusive events. 2,000 points for a $20 gift card.
Catherines Credit Card. Requires fair credit. No annual fee. 15% off your first purchase. 10% off all other purchases. Bonus coupons during your birthday month.
WayFair Credit Card. Requires fair credit. No annual fee. 3% back in store rewards. $10, $25 or $40 off your first order of $50, $100 or $250. 0% deferred interest for 6-12 months.
Jessica London Credit Card. Requires fair credit. No annual fee. $10 reward certificate for opening an account. 2 points per $1 spent on Fullbeauty brands. Double points and a 20% off coupon your birthday month. 400 points get you a $10 reward certificate. Free shipping 4 times per year on purchases of $75+.
West Elm Credit Card. Requires fair credit. No annual fee. Welcome bonus of 50 Reward Dollars. 25 Reward Dollars on your birthday. 10% back in Reward Dollars or special financing. 250 Reward Dollars for a $25 gift certificate. 0% deferred interest for 12 months.
Petland Credit Card. Requires fair credit. No annual fee. 1 point per $1 spent, up to 2,000 points per month. 100 points for a $5 rewards certificate. Exclusive discounts and promotional financing.
Overstock Store Card. Requires fair credit. No annual fee. 10% off your first purchase. No other rewards. 0% deferred interest for 6-24 months.
Blue Nile Credit Card. Requires fair credit. No annual fee. No rewards. 0%-99% deferred interest for 6-60 months.
Big Lots Credit Card. Requires fair credit. No annual fee. No rewards. 0% deferred interest for 6-12 months.
As you can see, none of these cards charge an annual fee, and all of them provide nice perks at their respective retailers. Comenity Bank also has quite a few store cards that require good credit for approval. They include cards tied to Orbitz, Williams Sonoma, Loft and Westgate Resorts. But if your score is below 700, it’s best to just stick with the cards for fair credit.
The best credit cards for a 600 credit score are secured cards because they offer easy approval and are often much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. This deposit is fully refundable when you close your account with a $0 balance.… read full answer
If you’re not sure where to start looking for secured credit cards for a 600 credit score, WalletHub has picked out a few examples of popular offers.
The best credit card for a 550 credit score is the OpenSky® Secured Visa® Credit Card. There’s no credit check when you apply, so approval is almost guaranteed. You just need $200 for a refundable security deposit and enough income to make monthly payments. This card also reports to all three major credit bureaus every month, which is your ticket to a better credit score. And a $35 annual fee isn’t too much to pay for that.… read full answer
The Discover it® Secured Credit Cardis another great 550 credit score credit card. It has a $0 annual fee and actually rewards you for making purchases. A 550 credit score won’t keep you from getting approved either. But a pending bankruptcy will.
Those aren’t the only credit cards you can get with a 550 credit score. In fact, there are two kinds of credit cards for people at that credit level: Secured credit cards and unsecured credit cards for bad credit. A 550 credit score is within the bad credit range, unfortunately. Bad credit goes from 300 to 639. But picking the right 550 credit score credit card and using it responsibly could help you improve your score to “fair” territory within 12-18 months.
Before applying for a card, make sure to check out its terms and conditions, or a FAQ page if there is one, just to make sure you fit the criteria for eligibility. You can also try getting pre-approved for a credit card. It won’t hurt your credit, and it will give you a good idea of your odds if you decide to apply.
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