Compare Comenity Credit Cards
Notable Comenity Credit Card Offers in February 2023

Not Offered
Not Offered
29.99% (V)
annual fee
$0
rewards rate
5 points / $1
Bonus Offer
15% discount
Bonus Offer
15% discount
Fair Credit
Pros
- No membership fees
- High rewards rate
- 15% discount initial rewards bonus
- Qualify with fair credit
Cons
- High regular APR
Rewards Details
- Open and use a Sportsman's Warehouse Store Card today and get 15% off your online purchase now.
- Earn 5 points per eligible net $1 spent at Sportsman's Warehouse or Sportsmans.com
- Keep your points as long as you earn one point every 12 months, and there's no cap on how many you can earn.
- You can redeem points for gear and you can start redeeming when you have at least 1 available point.
Additional Info
- Exclusive deals and special offers for cardmembers.
- More Details & Reviews About Sportsman's Warehouse Store Card

Not Offered
Not Offered
21.99%
annual fee
$0
rewards rate
1% - 5% back in rewards
Bonus Offer
up to $50
Bonus Offer
up to $50
Good Credit
Pros
- No membership fees
- High rewards rate
- up to $50 initial rewards bonus
- No foreign fee
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Rewards Details
- $25 off your first IKEA purchase of $25 or more when you open and use your IKEA Visa credit card the same day.
- $25 IKEA Reward Certificate when you make $500 in qualifying purchases outside of IKEA and TaskRabbit within the first 90 days of account opening.
- 5% back in rewards on IKEA purchases and TaskRabbit assembly services.
- 3% back in rewards on dining, grocery and utility purchases.
- 1% back in rewards on all other purchases.
- Get a $15 IKEA® Reward Certificate for every $15 in rewards earned. Reward Certificates are issued in $15 increments with your billing statement.
Additional Info
- Automatic enrollment in the IKEA Family loyalty program if you're not already a member.
- Zero liability.
- More Details & Reviews About IKEA Credit Card

Not Offered
Not Offered
17.74% - 26.49% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
$100
Bonus Offer
$100
Good Credit
Pros
- No membership fees
- High rewards rate
- $100 initial rewards bonus
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Limited time: Earn $50 statement credit upon first purchase of any amount within 60 days of account opening and an additional $50 statement credit after spending $500 within 60 days of account opening.
- Earn 5 Sony Rewards points per $1 spent on select entertainment purchases (on tickets to movies, concerts, sporting events and more) and Sony products.
- Earn 2 points per $1 spent at restaurants, including takeout, fast food, delivery services and on internet & cable and rideshare purchases. Earn 1 point per $1 spent on all other purchases.
- Redeem your points for VIP experiences, electronics and entertainment.
Additional Info
- Once approved, a temporary shopping pass may be issued and sent to your smartphone, allowing you to shop right away. Terms Apply.
- Visa Benefits: Auto Rental Insurance, Emergency Card Replacement, Zero Liability and Roadside Dispatch.
- More Details & Reviews About Sony® Credit Card

Not Offered
Not Offered
17.74% - 26.49% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
up to $125
Bonus Offer
up to $125
Good Credit
Pros
- No membership fees
- High rewards rate
- up to $125 initial rewards bonus
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Earn a $50 PlayStation Store code when you make your first purchase within 60 days of account opening. Plus, activate and spend $500 on purchases outside of PlayStation® and Sony with your PlayStation Credit Card within 60 days of account opening and earn a free $75 game.
- Earn 5 points per $1 spent on all PlayStation™ Store purchases and on PlayStation® and Sony® products.
- Earn 3 points per $1 spent on your cable and internet bill payment, 2 points per $1 spent on restaurants including takeout, fast food and delivery services and 1 point per $1 spent on all other purchases.
- Redeem your points for VIP experiences, games, gaming gear and electronics.
Additional Info
- Personalize your card design with select game images from top titles.
- More Details & Reviews About PlayStation® Credit Card

0% for 6 - 12 months
Not Offered
17.74% - 27.74% (V)
annual fee
$0
rewards rate
10 - 60 points / $1
Good Credit
Pros
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- Bonus rewards categories
Cons
- No initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
Rewards Details
- Receive 1-year free membership to Welcome Rewards+ when you apply & are approved for the Bed Bath & Beyond® Credit Card. You’ll earn 100 points for every $1 spent across the family of brands with a Welcome Rewards+ Membership.
- Earn 60 points per $1 spent on purchases at Bed Bath & Beyond®, and the family of brands using your Bed, Bath & Beyond® Credit Card.
- Earn 20 points per $1 spent on gas station and grocery store purchases, plus 10 points per $1 spent on all other purchases
- Receive $5 in rewards for every 5,000 points you earn.
- 20% off entire purchase every time you shop at the family of brands and free same day delivery (4 times per year). Available to members that are enrolled in the Welcome Rewards+ program.
Additional Info
- Deferred Interest Details: No interest if paid in full within 6 months on purchases between $250 and $500, and 12 months on purchases over $500.
- More Details & Reviews About Bed Bath & Beyond® Credit Card

Not Offered
Not Offered
27.99% (V)
annual fee
$0
rewards rate
1 point / $1
Bonus Offer
$40
Bonus Offer
$40
Good Credit
Pros
- No membership fees
- $40 initial rewards bonus
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
Rewards Details
- $40 Rewards Certificate when you spend $500 outside Sportsman's Guide in the first 90 days.
- An additional 2.5% discount (total of 12.5% for most items and up to 7.5% on Guns and Ammo) on Sportman's Guide web and catalog purchases for Buyer's Club members ($49.99 per year membership) using this card.
- Earn 1 Point for each $1.00 of Net New Purchases made outside Sportman's Guide.
- For every 1,000 points earned, you will receive a $10 rewards certificate on your monthly billing statement which can be used toward your next Sportman's Guide purchase.
Additional Info
- Zero Liability from unauthorized purchases wherever you shop.
- More Details & Reviews About The Sportsman's Guide Credit Card

Not Offered
Not Offered
18.99% - 27.99% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
5,000 points + 15% discount
Bonus Offer
5,000 points + 15% discount
Good Credit
Pros
- No membership fees
- High rewards rate
- 5,000 points + 15% discount initial rewards bonus
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Earn 5,000 bonus points (redeemable for a $50 gift card) when you spend $500 outside Sportsman’s Warehouse within 120 days of account opening.
- Open and use a Sportsman's Warehouse Credit Card today and get 15% off your online purchase now.
- Earn 5 points per eligible net $1 spent at Sportsman's Warehouse or Sportsmans.com. Earn 2 points for every $1 spent at gas stations, home improvement merchants and campgrounds.
- Earn 1 point per eligible net $1 spent everywhere else Visa Cards are accepted.
- Keep your points as long as you earn one point every 12 months, and there's no cap on how many you can earn.
- You can redeem points for gear and you can start redeeming when you have at least 1 available point.
Additional Info
- If you do not qualify for the Visa Card, you may be considered for, and receive, the Credit Card, used exclusively at Sportsman's Warehouse.
- Exclusive deals and special offers for cardmembers.
- More Details & Reviews About Sportsman's Warehouse Credit Card

Not Offered
Not Offered
28.74% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
$20 + $20
Bonus Offer
$20 + $20
Good Credit
Pros
- No membership fees
- High rewards rate
- $20 + $20 initial rewards bonus
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Save $20 off your first qualifying purchase when you open and immediately use your card. Minimum purchase of $20.01 required online.
- Earn a $20 reward to use at Loft family brands when you make a qualifying purchase within 60 days of account opening.
- Enjoy a 15% discount the first Tuesday of every month.
- Earn 5 Rewards Points for every dollar spent in-store or online at LOFT, Ann Taylor, Lou & Grey, LOFT Outlet or Ann Taylor Factory Store.
- Earn 2 Rewards Points for every dollar spent on gas and grocery purchases and 1 Point for every dollar spent everywhere Mastercard is accepted.
- Receive a $10 Rewards Certificate for every 1,000 points earned. Use it for any in-store or online purchase.
- Birthday Gift during your birthday month, plus an extra 15% off the first Tuesday of every month, combinable with all in-store promotions and offers.
- Enjoy extra perks by spending at least $500 per year.
Additional Info
- Free Shipping. Minimum purchase of $75.
- Online account management.
- More Details & Reviews About Loft Credit Card
Featured Credit Cards
Ad Disclosure0% for 15 months from account opening
0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
19.24% - 29.24% Variable
annual fee
$0
rewards rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Bonus Offer
$200 Cash Rewards
Good Credit
Comenity Credit Card Reviews
What's Your Rating?
There were multiple unpleasant customer-NO-service experiences with Comenity over the years, but the final straw was when after years of consistently paying on time and in full, I paid late because I didn't receive my December 2022 bill. The phone representative (from India who spoke nearly unintelligible English) basically implied I was a liar and refused to waive the late fee for even a first offense.
Spoke with customer service & told them I don’t charge renewals to a card I never received. Never received replacement card. Now 1/20/23 Found out BJ Mastercard showing on credit report I owe $147 late fees on card I have never had and did not receive replacement card either and they refuse to correct issue with credit bureau.(Worse Customer Service) There has never been any charge on this BJ Mastercard card since it has never been in my possession since I never received it. Customer Service had the nerve to ask me do I want them to send me a RePlacement Card. (Never). There has never been a negative issue of any kind on my credit report in 30 years until dealing with BJ on their BJMastercard that has never been in my possession. B Harmon
Comenity Credit Cards FAQ
Get answers to your questions about Comenity Credit Card Reviews below. For more general questions, visit our Answers section.
- Most Popular
- Most Upvotes
What Comenity Bank credit cards are easy to get?
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 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.
What credit score is needed for a Comenity Bank credit card?
A credit score of 640 or higher is needed 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).
It is important to know where you stand before applying for a Comenity credit card. You can check your credit score for free, right here on WalletHub.
What you should know about Comenity Bank credit cards:
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. On the plus side, most of these cards only require fair credit for approval.
However, there are some exceptions. For instance, Comenity Bank also offers open loop cards, which can be used anywhere Visa and Mastercard are accepted. They require at least good credit.
How can I pay my Comenity Bank credit card?
You can pay your Comenity Bank credit card bill online, over the phone, or via mail. Just keep in mind that each credit card issued by Comenity has a different sign-in portal, as well as a different customer service phone number. And payment addresses can vary as well.
You can search for your co-branded credit card's contact information on Comenity's website. Additionally, you can find the customer service phone number on the back of your card. Also, to make sure you have the right payment address, call customer service to ask about it. Alternatively, you can also check your monthly statements for the right address.
How do I check my Comenity Bank credit card application status?
You can only check your Comenity Bank credit card application status by phone. There isn't a general Comenity Bank phone number for all of their credit cards, so make sure to call the phone number associated with the card you applied for. Then, wait until you're connected to a representative to inquire about your application.
You can search for a particular card's contact information on Comenity's website.
Popular Comenity Bank credit cards and their phone numbers:
- Bealls Florida Credit Card: (800) 324-0324
- Big Lots Credit Card: (888) 566-4353
- Victoria's Secret Credit Card: (800) 695-9478
- IKEA Credit Card: (866) 518-3990
- Bed Bath & Beyond® Credit Card: (866) 892-4393
If the issuer denied you, there might still be some hope left. Ask the representative for a reconsideration by explaining your situation. If they don't change their decision about your denial, consider becoming an authorized user on someone else's account.
Alternatively, you can apply for a secured card that offers better approval odds. Check out our list for the best secured credit cards to find the right one for your needs.
How can I get a Comenity credit limit increase for my credit card?
You can get a Comenity Bank credit limit increase by calling the number on the back of your credit card or by reaching Comenity Bank's general customer service department at (855) 796-9632. Once connected, just follow the voice prompts to get connected to a customer care representative. You will have to provide some information about your income, debt, other open credit accounts along with any other information Comenity Bank asks for.
How a Comenity Bank Credit Limit Increase Affects Your Credit Score
Requests for credit limit increases may result in a hard inquiry on your credit report, which can temporarily lower your credit score. 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.
To increase your chances of a Comenity credit limit increase, you should keep your account in good standing by paying your credit card bills on time and preferably in full, every month.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.