Not Offered
Not Offered
30.99% (V)
annual fee
$0
rewards rate
5 points / $1
Bonus Offer
15% discount
Bonus Offer
15% discount
Fair Credit
Pros
Cons
Rewards Details
Additional Info
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
Cons
Rewards Details
Additional Info
Not Offered
Not Offered
18.74% - 27.49% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
$100
Bonus Offer
$100
Good Credit
Pros
Cons
Rewards Details
Additional Info
Not Offered
Not Offered
18.74% - 27.49% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
$125
Bonus Offer
$125
Good Credit
Pros
Cons
Rewards Details
Additional Info
Not Offered
Not Offered
19.99% - 28.99% (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
Cons
Rewards Details
Additional Info
Not Offered
Not Offered
29.74% (V)
annual fee
$0
rewards rate
1 point / $1
Bonus Offer
$40
Bonus Offer
$40
Good Credit
Pros
Cons
Rewards Details
Additional Info
Not Offered
Not Offered
29.74% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
$20 + $20
Bonus Offer
$20 + $20
Good Credit
Pros
Cons
Rewards Details
Additional Info
Not Offered
Not Offered
18.74% - 29.74% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
2,000 points
Bonus Offer
2,000 points
Good Credit
Pros
Cons
Rewards Details
Additional Info
0% 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)
19.99% - 29.99% Variable
annual fee
$0
rewards rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Bonus Offer
$200 Cash Rewards
Good Credit
Get answers to your questions about Comenity Credit Card Reviews below. For more general questions, visit our Answers section.
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:
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.
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 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.
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.
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.
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