Comenity Credit Card Reviews

24,952 Reviews

Comenity Credit Card Reviews

3.6

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tracyhauser42
November 24, 2025 • @tracyhauser42

I'd rate it less than one star if I could. Customer service is very poor! They adamantly pretend about their customer service towards its customers but ultimately they offer you nothing! In fact, they pride themselves on taking it from you and then are quick to end the call. I've dealt with them more than once with the same result. I wouldn't recommend them to anyone.

Product: Good Sam Rewards Credit Card

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Melissa Leahy
November 23, 2025 • @melissaleahy69

Verified Customer

This company must face the fraud claims against them as soon as possible. They are trying their best to send fees for any possible reason. Trying to avoid using their product, their customer services are the worst. Not only is this particular credit card service bad, but their car insurance is too. Sooner or later, they will go bankrupt for what they have done.

Product: AAA Rewards Credit Card

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cheryl Huizenga
November 20, 2025 • @huizrc48

Comenity stopped sending my invoices in December 2024, and when I was late paying, they charged me late fees and interest on those fees. They told me they had a glitch in their system and apologized, instructing me to disregard the late charges. They stated that the reason for stopping the invoices was that they had my account on auto-pay. I paid my charges and canceled the card in February. Now, they have handed my account over to collections in the amount of $400 for late fees and interest. Comenity has terrible communication skills; I never received one email or phone call. I called numerous times, sent emails, and wrote letters. Nothing! It's the worst company I've ever dealt with.

Product: Comenity Credit Cards

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Su Hladik
November 17, 2025 • @MamaSue

Worst credit card I have ever had! Password never worked, and I couldn't access my account online. Customer service was both rude and worthless. Terrible experience. Canceled card.

Product: AAA Rewards Credit Card

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Christina
November 14, 2025 • @chrissy0835

Verified Customer

If I could give negative stars, I would! Terrible creditor, policies, store policies, customer service online and in person. They closed my card probably due to inactivity, and I say good riddance. P.S. As a realtor, I will never recommend Boscov's to any of my clients for home goods or for the parties I throw for them. And I say, good day, sir!

Product: Boscov's Credit Card

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cellyscerra27
November 12, 2025 • @cellyscerra27

Alphaeon Credit is by far the worst credit card company I have ever dealt with. They completely fail to disclose that their "23-month no interest" promotion is actually deferred interest, meaning if you don't pay the entire balance off in full by the exact end date, they tack on all the interest from day one. No reminders, no courtesy notices, nothing.

Despite calling them months before the promotion ended to explain that I never even received the orthodontic services after the second month, they didn't care at all. They refused to work with me in any way. I originally owed about $1,100, and because of their deferred-interest trap, my balance suddenly shot up to $3,600.

I spoke with multiple representatives, and every single one told me, "Sorry, that's too bad." No accountability, no empathy, no willingness to resolve the issue.

Their practices are misleading, predatory, and absolutely awful. Save yourself the headache and stay far away from Alphaeon Credit.

Product: Alphaeon Credit Card

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Chong Tan
November 12, 2025 • @tchhong

The Caesars Credit Card service is terrible! The agents have no ability to correct anything. Even though there is no annual fee, this card is still not worth using.

Product: Caesars Credit Card

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Jordan Threadgill
November 11, 2025 • @jt73290

Verified Customer

Based on the experience of working with customer service, paying the card, and late interest charges, I will NEVER purchase Midas services or use Comenity Capital Bank ever again. Multiple lies, false advertising, high interest, poor customer service, and so much more. Their whole system is a scam. Even if you are desperate, do not fall into their trap. If I could give them negative five stars, I would.

Product: Midas Credit Card

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Linda
November 10, 2025 • @lgeelogan

In August 2025, someone managed to hack into Comenity Bank's website and change my address. I spoke with three people (the first person hung up on me) and asked to have my credit card canceled. The last person said he would send paperwork before this could be done. In September, I still hadn't received the paperwork, so I asked them to close my account. The customer service person said they couldn't cancel my credit card or close my account because it was being investigated. It is now November, and my address was changed yet again! I called, and the person changed my address back and said he canceled my card and closed my account. Are they even investigating this?

Product: Comenity Credit Cards

Comment

kimpabney
October 28, 2025 • @kimpabney

If I could give zero stars, I would! This customer service is the worst ever! They are very shady and dishonest. I paid my balance in full with them back in August, and they continued to charge me finance and late fees. I spoke with a lady and asked her the exact amount of what I owed, and she gave it to me. I told her I would make payment in full on Friday when I got paid, and I did. During the conversation, I asked if this concluded my business with them, and she said, 'Yes, it does.' The next month, I got a notification that I owed a late fee plus finance charges on an account that was closed. No wonder theses people get 1 star!

Product: Good Sam Rewards Credit Card

Comment

Review Comenity Credit Card Reviews

Comenity Credit Cards FAQ

Get answers to your questions about Comenity Credit Card Reviews below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

What Comenity Bank credit cards are easy to get?

Maria Adams, Credit Cards Moderator

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. 35.99% 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. 35.99% regular APR.
Petland Credit Card. Requires fair credit. Annual fee: $0. 1 point per $1 spent on all purchases. 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.

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Upvotes

What credit score do you need for a Comenity Bank credit card?

Rhonda Stewart, WalletHub Loans Analyst

You need a credit score of 640 or higher 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).

If your credit score is below the threshold needed for a Comenity credit card, it's best to wait to apply until you meet the credit score...

Upvotes

How can I pay my Comenity Bank credit card?

Maria Adams, Credit Cards Moderator

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 Bank has a different sign-in portal, as well as different customer service phone numbers and payment addresses.

You can search for your co-branded credit card's contact information on Comenity Bank's website. Additionally, you can find the customer service phone number on the back of your card. To make sure you...

Upvotes

How can I check my Comenity Bank credit card application status?

Evelyn Boros, Credit Cards Moderator

You can only check your Comenity Bank credit card application status by phone. Just note that 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 & Their...

Upvotes

How do I request a credit limit increase with Comenity Bank?

Bogdan Roberts, Credit Cards Moderator

You can request a Comenity Bank credit limit increase by calling customer service at 1 (855) 823-1001. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Comenity Bank has on file. Comenity Bank will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.

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* The information about the following cards has been independently collected by WalletHub: Ulta Credit Card, Victoria's Secret Credit Card, Sportsman's Warehouse Store Card, IKEA Credit Card, Ross Credit Card, NFL Extra Points Credit Card, Washington Commanders Credit Card, New York Jets Credit Card, PlayStation® Visa® Credit Card, Arizona Cardinals Credit Card, Zales Credit Card, Ann Taylor Store Card, Torrid Credit Card, Jessica London Credit Card, Petland Credit Card, West Elm Store Card, Bealls Florida Credit Card, Toyota Credit Card, Farmers Credit Card, and Bed Bath & Beyond® Credit Card.

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Comenity Credit Card Reviews

What's Your Rating?

Comenity Credit Cards FAQ

What Comenity Bank credit cards are easy to get?

What credit score do you need for a Comenity Bank credit card?

How can I pay my Comenity Bank credit card?

How can I check my Comenity Bank credit card application status?

How do I request a credit limit increase with Comenity Bank?

Important Disclosures