What credit score is needed for a Comenity Bank credit card?

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.… read full answer

Unfortunately, Comenity Bank doesn’t offer any cards for people with bad credit, so its cards aren’t quite as easy to get as secured 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. $0 annual fee. 10% off all repair services. $50 off a $149+ purchase on your birthday. Deferred interest of 0% - 16.99% for 6 - 36 months. 29.99% regular APR. Free shipping and exclusive coupons.
• Ann Taylor Store Card. Requires fair credit. $0 annual fee. 5 points per $1 spent at Ann Taylor family brands.
• Jessica London Credit Card. Requires fair credit. Annual fee: $0. 1 point per $1 spent at any of the fullbeauty brands.
• Torrid Credit Card. Requires fair credit. $0 annual fee. 1 point for every dollar spent at Torrid. 29.99% (V) regular APR.
• Petland Credit Card. Requires fair credit. Annual fee: $0. 1 point per $1 spent. Exclusive discounts and promotional financing.

As you can see, these cards charge $0 annual fees, 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.

One of the best credit cards for a 600 credit score is the Capital One Quicksilver Secured Cash Rewards Credit Card. This card rewards cardholders with 1.5 - 5% cash back on purchases. Plus, the card has a $0 annual fee.

Generally, 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

Best Credit Cards for a 600 Credit Score

For more options, you can also check out our editors’ latest picks for the best credit cards for bad credit (600 credit score). Ultimately, to learn more, read WalletHub’s guides on secured credit cards and how to rebuild credit.

One of the best credit cards 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… read full answer (Equifax, Experian and TransUnion) every month, which is your ticket to a better credit score. And a $35 annual fee isn’t too much to pay for that.

Another good option is the U.S. Bank Cash+® Visa® Secured Card. This card offers 1 - 5% cash back, depending on the type of purchase and has a $0 annual fee.

However, 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.

The best credit cards for a 550 score:

You can also check our editors’ latest picks for the best credit cards for bad credit on the market to see which one better suits your needs.

Before applying for a card, though, 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.