Comenity credit cards are great for earning rewards affiliated with your favorite companies. Credit cards from Comenity are co-branded with companies ranging from Ikea and Bed Bath & Beyond to Farmers Insurance and Lexus. Most Comenity credit cards require good credit for approval, but offers for people with fair credit often are available, too. You can learn more about the latest offers below. Comenity Cards are products of Comenity Bank and Comenity Capital Bank which are Bread Financial companies.
Notable Comenity Credit Card Offers in October 2022
$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, Traemand and TaskRabbit within the first 90 days of account opening.
5% back in rewards on IKEA purchases as well as Traemand installation 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.
Limited time: Earn $150 in statement credit when you use the Sony Credit Card to spend $500 within 60 days of account opening. Offer ends 9/12/22.
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.
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.
Visa Benefits: Auto Rental Insurance, Emergency Card Replacement, Zero Liability and Roadside Dispatch.
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.
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.
Earn 5,000 bonus points when you spend $500 outside of Lexus dealerships within the first 90 days.
Earn 5 points for every $1 spent at participating Lexus dealerships.
Earn 2 points per dollar on gas, dining, and entertainment purchases.
Earn 1 point per dollar everywhere else Visa is accepted.
Redeem points towards service, parts, accessories, eligible Lexus vehicle purchases/leases, gift cards, cashback as a statement credit, and travel experiences
Earn 5,000 bonus points when you spend $500 outside of Toyota dealerships within the first 90 days.
5 points/$1 spent at Toyota dealerships; 2 points/$1 spent on gas, dining and entertainment purchases; 1 point/$1 spent everywhere else Visa is accepted.
Redeem points on service, parts, accessories, eligible Toyota vehicle purchases, cash back as a statement credit, Gift cards and Travel experiences.
Additional Info
Visa Benefits: Emergency Card Replacement and Cash Disbursement, Zero Liability, Roadside Dispatch and many more.
Terrible company. I had a locked card that they allowed fraudulent charges to be posted. It has taken literally months for them to fix it and they still haven't fixed it when though it is their fault for allowing a locked card to even be used. They have destroyed my perfect credit score and won't fix their massive mistake. They only call to harass you to pay fraudulent charges that are their fault. I have been lied to and told a fraud investigation had been started when it wasn't. I was told my card had been canceled but it wasn't. They are charging me late fees and interest on fraudulent charges.
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Kendall @kendallnicholeb
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1 Star Rating
Verified Customer
Don’t count on Comenity to report in a timely manner. Four months without reporting and it’s keeping me from moving into excellent
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Mary jane @maryjane_himes
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5 Star Rating
Verified Customer
A good credit card for me because im always buying a lot of perfumes but they have a really high interest, but i love the way theyre giving a good rewards point
They send statements a few days before the payment is due and then tell me I am past due even though I paid it in full and don's owe anything. I understand that does not make sense, but that is what they told me.
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Marcus @marcusbryancook
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1 Star Rating
Verified Customer
Terrible. Inconsistent or lack of reporting. Its been paid off for months and no reporting. Awful experience. Customer service has no idea when they report or why they havent.
I paid off my J Jill account in full in June and they are now charging penalties and interest. I have submitted all the back up information proving that the payment was made and have contacted them several times but they have not responded. I’m 80 years old, have never missed a payment and my credit rating is 835. Stay away from this horrible bank.
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Terry @teencee1295
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5 Star Rating
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They are the easiest way to shop for the special people in your life and my son thanks you too. I now have a daughter in law and I have already taken advantage of the diamond shows twice now!
My dentist helped me with this card for fure dental work. I didn't do the dental work, but I or use the card much. They closed it from lack of use. I paid on time.
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Joe @ncjoe1970
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Verified Customer
They change carriers too often. They set up your auto payment accounts to miss the interest free by one month so they can charge all the accrued interest.
Worst credit card ever. More so the bank it’s connected with. Their website is always having issues. Payments show was processing for long periods of time. Due date always shows as overdue even though you’ve paid it weeks I’m advance. I’ve never received a single Sony rewards point which is the whole reason I got this card. I only make purchases on the PlayStation store with it. I would close the account but then my credit will take a bit so I’ll wait for them to close it for being inactive. I’ll stick to my Apple Card and local bank credit card.
Visa and Mastercard are the two largest card networks in the world, accepted in more than 200 countries and territories worldwide. That's why you shouldn't worry about whether to get one or the other.
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.
You can pay your Comenity Bank credit card 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. And to make sure you have the right payment address, call customer service to ask about it, or check your monthly statements.
Here are some popular Comenity Bank credit cards and their phone numbers and sign-in portals:
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:
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.
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.
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