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1 Star Rating
I applied for the credit card, they gave me a limit of $150! What?????? I can't buy 2 bras with that amount much less with a 35% interest rate. Next.........
Product: Victoria's Secret Credit Card
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Ad Disclosure
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 June 2026
- Furniture: IKEA Credit CardLearn MoreLearn More
- Furniture: IKEA Credit CardLearn MoreLearn Moreon issuer's website
- Furniture: IKEA Credit CardLearn MoreLearn More
- Home Goods: Bed Bath & Beyond® Credit CardLearn MoreLearn More
- Home Goods: Bed Bath & Beyond® Credit CardLearn MoreLearn Moreon issuer's website
- Home Goods: Bed Bath & Beyond® Credit CardLearn MoreLearn More
- Automotive Rewards: Toyota Credit CardLearn MoreLearn More
- Automotive Rewards: Toyota Credit CardLearn MoreLearn Moreon issuer's website
- Automotive Rewards: Toyota Credit CardLearn MoreLearn More
- Insurance: Farmers Credit CardLearn MoreLearn More
- Insurance: Farmers Credit CardLearn MoreLearn Moreon issuer's website
- Insurance: Farmers Credit CardLearn MoreLearn More
- Furniture:
- Home Goods:
- Automotive Rewards:
- Insurance:
Comenity Credit Card Reviews
Updating Results
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR23.09% - 32.00% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
23.09% - 32.00% (V)
annual fee
$0
rewards rate
0.33 - 2 points / $1
Bonus Offer
500 points + 20% discount
Bonus Offer
500 points + 20% discount
minimum credit
Good
WalletHub's Take: The Ulta Credit Card is a good credit card for frequent Ulta shoppers who have a good or excellent credit score of 700+. This card is worth getting because it has a $0 annual fee and good rewards, but you need to pay the bill in full by each due date in order to avoid interest charges. Having to pay interest would skew the value proposition against you.
Pros
- No membership fees
- High rewards rate
- 500 points + 20% discount initial rewards bonus
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
Rewards Details
- Get 20% off all products and services on your first purchase at Ulta Beauty.
- Enjoy 500 welcome bonus points when you spend $500 in the first 90 days outside of Ulta Beauty.
- Earn 2 points for every $1 spent at Ulta Beauty; 1 point for every $3 spent outside of Ulta Beauty.
- Members who spend $500 between January 1 and December 31 will earn Platinum status and receive 2.25 points per $1 spent at Ulta Beauty.
- Members who spend $1,200 between January 1 and December 31 will earn Diamond status and receive 2.5 points per $1 spent at Ulta Beauty.
- Members can use their points to reduce the purchase price of a product or to receive a product for free.
Additional Info
- Pay your bill online.
- View your account activity.
- Check your card balance.
- Update your account information.
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR35.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
35.99%
annual fee
$0
rewards rate
10 points / $1
Bonus Offer
$25 discount
Bonus Offer
$25 discount
minimum credit
Fair
WalletHub's Take: The Victoria’s Secret Credit Card is a good card that’s worth it for people who frequently shop at Victoria’s Secret. The card has a $0 annual fee, rewards you with 10 points per $1, and provides perks such as birthday bonuses and free shipping. Plus, you only need fair credit to be approved for an account (640+ credit score recommended).
Pros
- No membership fees
- High rewards rate
- $25 discount initial rewards bonus
- Qualify with fair credit
Cons
- High regular APR
Rewards Details
- Get $25 off your first purchase when you open the card and make a purchase.
- Earn 10 points with every $1 you spend and earn 15 points when spending $750 in a year. Get a $10 reward for every 2,000 points earned.
- Earn 30 points with every $1 you spend on all bra purchases.
- Automatic Silver status upgrade for Cardmembers, with the opportunity to reach Gold status by spending $750 in a year.
- A $10 Birthday Reward each year your card is active. Upgrade to Gold status and get a $15 Birthday Reward.
- Receive a 15% off on your card anniversary. Upgrade to Gold status and get a 20% off.
- Free Shipping on purchases of $50 or more, check code on website.
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR35.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
35.99%
annual fee
$0
rewards rate
5 points / $1
Bonus Offer
15% discount
Bonus Offer
15% discount
minimum credit
Fair
WalletHub's Take
Pros
- No membership fees
- High rewards rate
- 15% discount initial rewards bonus
- Qualify with fair credit
Cons
- High regular APR
Read our editor's full Sportsman's Warehouse Store Card review.
Rewards Details
- Open and use a Sportsman's Warehouse Store Card today and get 15% off (up to $50) your first online purchase.
- Earn 5 points per eligible net $1 spent at Sportsman's Warehouse and 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.
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR21.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
21.99%
annual fee
$0
rewards rate
1% - 5% back in rewards
Bonus Offer
up to $50
Bonus Offer
up to $50
minimum credit
Good
WalletHub's Take: The IKEA Credit Card is a good option for frequent IKEA shoppers who want to save 5% on purchases, plus assembly and installation services. You can also earn 3% back on dining, groceries and utilities, and there’s no annual fee, so it’s worth getting the IKEA Visa Card as long as you avoid interest charges.
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 including IKEA installation services 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.
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR30.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
30.49% (V)
annual fee
$0
rewards rate
1 - 5% Cash Back
Bonus Offer
10% off
Bonus Offer
10% off
minimum credit
Good
WalletHub's Take
Pros
- No membership fees
- High rewards rate
- 10% off initial rewards bonus
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
Read our editor's full Ross Credit Card review.
Rewards Details
- Valid one time only: Get 10% off a purchase at Ross Dress for Less.
- Earn 5% back in Ross Rewards on purchases at Ross Dress for Less.
- Earn 1% back in Ross Rewards on all other purchases where Mastercard is accepted.
- $5 Rewards Certificate for every $100 you spend at Ross Dress for Less.
Additional Info
- Tap to pay and redeem certificates with your phone.
Purchase Intro APR0% for 6 months
Transfer Intro APRNot Offered
Regular APR17.49% - 31.49% (V)
Purchase Intro APR
0% for 6 months
Transfer Intro APR
Not Offered
Regular APR
17.49% - 31.49% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Bonus Offer
$100
Bonus Offer
$100
minimum credit
Good
WalletHub's Take: The NFL Credit Card is a good option to consider if you’re a die-hard football fan with a credit score of 700 or higher. You can maximize the value of this card by using it to buy gear from NFLShop.com as well as tickets to NFL games and concessions while you’re there. The card, which has a $0 annual fee, is especially worthwhile if you also spend a lot on groceries, food delivery, dining at restaurants, gym memberships and sporting goods.
Rewards Details
- Get $100 Cash Back when you spend $500 on purchases outside of the NFL in your first 90 days from open date. Paid as a statement credit.
- 20% Off every NFLShop.com purchase made with your NFL Extra Points Visa Credit Card.
- Earn 3% in Rewards (3 points / $1) on qualifying NFL purchases and NFL Team purchases.
- Earn 2% in Rewards (2 points / $1) on grocery store, food delivery, restaurants, gyms and sporting goods store purchases.
- Earn 1% in Rewards (1 point / $1) on all other purchases.
- Earn points and redeem them for gift cards available now, or unique NFL experiences, tickets, merchandise and more
Additional Info
- Special Financing with no interest for 6 months on NFL Tickets when you spend $250 or more at NFL Team Ticket Offices, Ticketmaster and SeatGeek and Sports Illustrated Tickets with your card.
Purchase Intro APR0% for 6 months
Transfer Intro APRNot Offered
Regular APR17.49% - 31.49% (V)
Purchase Intro APR
0% for 6 months
Transfer Intro APR
Not Offered
Regular APR
17.49% - 31.49% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Bonus Offer
$100
Bonus Offer
$100
minimum credit
Good
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- $100 initial rewards bonus
Cons
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Read our editor's full Washington Commanders Credit Card review.
Rewards Details
- Get $100 Cash Back when you spend $500 on purchases outside of the NFL in your first 90 days from open date. Paid as a statement credit.
- 20% Off every NFLShop.com purchase made with your NFL Extra Points Visa Credit Card.
- Earn 3% in Rewards (3 points / $1) on qualifying NFL purchases and NFL Team purchases.
- Earn 2% in Rewards (2 points / $1) on grocery store, food delivery, restaurants, gyms and sporting goods purchases.
- Earn 1% in Rewards (1 point / $1) on all other purchases.
- Earn points and redeem them for gift cards available now, or unique NFL experiences, tickets, merchandise and more.
Additional Info
- Special Financing with no interest for 6 months on NFL Tickets when you spend $250 or more at NFL Team Ticket Offices, Ticketmaster and SeatGeek and Sports Illustrated Tickets with your card.
Purchase Intro APR0% for 6 months
Transfer Intro APRNot Offered
Regular APR17.49% - 31.49% (V)
Purchase Intro APR
0% for 6 months
Transfer Intro APR
Not Offered
Regular APR
17.49% - 31.49% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Bonus Offer
$100
Bonus Offer
$100
minimum credit
Good
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- $100 initial rewards bonus
Cons
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Read our editor's full New York Jets Credit Card review.
Rewards Details
- Get $100 Cash Back when you spend $500 on purchases outside of the NFL in your first 90 days from open date. Paid as a statement credit.
- 20% Off every NFLShop.com purchase made with your NFL Extra Points Visa Credit Card.
- Earn 3% in Rewards (3 points / $1) on qualifying NFL purchases and NFL Team purchases.
- Earn 2% in Rewards (2 points / $1) on grocery store, food delivery, restaurants, gyms and sporting goods store purchases.
- Earn 1% in Rewards (1 point / $1) on all other purchases.
- Earn points and redeem them for gift cards available now, or unique NFL experiences, tickets, merchandise and more.
Additional Info
- Special Financing with no interest for 6 months on NFL Tickets when you spend $250 or more at NFL Team Ticket Offices, Ticketmaster and SeatGeek and Sports Illustrated Tickets with your card.
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR17.49% or 31.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
17.49% or 31.49% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
$100
Bonus Offer
$100
minimum credit
Good
WalletHub's Take: The PlayStation® Visa® Credit Card is a good credit card for gamers or parents of gamers who have good credit or better. The card offers well-above-average rewards on PlayStation and Sony purchases, as well as on monthly cable and internet bill payments, including streaming service purchases, and it has a $0 annual fee. It’s worth owning as long as you avoid interest charges.
Pros
- $100 initial bonus
- 5 points / $1 on PlayStation Store and Sony Store purchases
- No annual fee
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Earn a $100 statement credit after spending $500 within the first 60 days of account opening.
- Earn 5 points per $1 spent directly at PlayStation and the Sony Store.
- Earn 3 points per $1 spent on cable and internet bill payments, including streaming service purchases.
- Earn 2 points per $1 spent at restaurants, including dine-in, takeout, and delivery.
- Earn 1 point per $1 spent on all other purchases.
Purchase Intro APR0% for 6 months
Transfer Intro APRNot Offered
Regular APR17.49% - 31.49% (V)
Purchase Intro APR
0% for 6 months
Transfer Intro APR
Not Offered
Regular APR
17.49% - 31.49% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Bonus Offer
$100
Bonus Offer
$100
minimum credit
Good
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- $100 initial rewards bonus
Cons
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Read our editor's full Arizona Cardinals Credit Card review.
Rewards Details
- Get $100 Cash Back when you spend $500 on purchases outside of the NFL in your first 90 days from open date. Paid as a statement credit.
- 20% Off every NFLShop.com purchase made with your card.
- Earn 3% in Rewards (3 points / $1) on qualifying NFL purchases and NFL Team purchases.
- Earn 2% in Rewards (2 points / $1) on grocery store, food delivery, restaurants, gyms and sporting goods store purchases.
- Earn 1% in Rewards (1 point / $1) on all other purchases.
- Earn points and redeem them for gift cards available now, or unique NFL experiences, tickets, merchandise and more.
Additional Info
- Special Financing with no interest for 6 months on NFL Tickets when you spend $250 or more at NFL Team Ticket Offices, Ticketmaster and SeatGeek and Sports Illustrated Tickets with your card.
Featured Credit Cards
Ad DisclosurePurchase Intro APR0% for 12 months
Transfer Intro APR0% for 12 months|Transfer Fee: 3% for the first 12 months, 4% at a promo APR that Capital One may offer you at any other time
Regular APR18.49% - 28.49% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 12 months|Transfer Fee: 3% for the first 12 months, 4% at a promo APR that Capital One may offer you at any other time
Regular APR
18.49% - 28.49% (V)
annual fee
$0
rewards rate
1 - 8% Cash Back
Bonus Offer
$250
Bonus Offer
$250
minimum credit
Good
WalletHub's Take: The Capital One Savor Card is a good credit card for foodies and entertainment lovers who want to earn bonus rewards without paying an annual fee. You can get 3% cash back on entertainment, popular streaming services, and dining – which covers everything from fast food to restaurants with Michelin stars.
Pros
- Earn a $250 initial bonus
- High rewards rate
- $0 annual fee
Cons
- High regular APR - 18.49% - 28.49% (V)
- Balance transfer fee
- Available to people with good/excellent credit
Rewards Details
- For a limited time, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
Additional Info
- $0 annual fee and no foreign transaction fees
- 0% intro APR on purchases and balance transfers for 12 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
Purchase Intro APR0% for 12 months from account opening
Transfer Intro APR0% for 12 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days from account opening, then up to 5% (min $5)
Regular APR18.49%, 24.49%, or 28.49% Variable
Purchase Intro APR
0% for 12 months from account opening
Transfer Intro APR
0% for 12 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days from account opening, then up to 5% (min $5)
Regular APR
18.49%, 24.49%, or 28.49% Variable
annual fee
$0
rewards rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Bonus Offer
$200 Cash Rewards
minimum credit
Good
WalletHub's Take: The Wells Fargo Active Cash® Card is one of the best all-around credit cards available right now. You should get the Active Cash Card if you have a credit score of 700 or higher and you want to earn above-average rewards without any hassle and without paying an annual fee. It’s also worthwhile for people interested in 0% introductory APRs and up to $600 in cell phone protection.
Pros
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
Cons
- High regular APR
- Foreign transaction fee
- Balance transfer fee
Rewards Details
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Additional Info
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
Comenity Credit Card Reviews
3.6
25,189 reviews
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1 Star Rating
This card promised 5% cash back on gas, but pay 1% explaining that you got gas at the wrong gas station.
This card promised 3% cash back on travel, but pay 1% explaining that you bought your tour at the wrong company.
That card web site promised to respond during 48 hours on the secure messages, but my message from 06/08/2026 has never been responded.
The calls to customer service are useless, customer service representatives cannot help with anything. And even if they promised something, never done it.
This card promised 3% cash back on travel, but pay 1% explaining that you bought your tour at the wrong company.
That card web site promised to respond during 48 hours on the secure messages, but my message from 06/08/2026 has never been responded.
The calls to customer service are useless, customer service representatives cannot help with anything. And even if they promised something, never done it.
Product: AAA Travel Credit Card
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1 Star Rating
Absolutely terrible! Do not fall into this scam. They will charge you a late fee for even breathing. Do not be convinced at the register to sign up to get $10 discount- you will pay that and even wayyy more in the future
Product: Ulta Credit Card
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1 Star Rating
Missed the first billing payment as I was traveling internationally and the system wouldn't recognize my account. Scheduled a full payment for the next day June 12th, but they won't unfreeze my account for another month!!!!! So I lose out on a month of rewards credits. The whole point in getting the card was for the points & now I cant get any.
Product: Caesars Credit Card
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1 Star Rating
I wish I could give a lower score. Called and closed my account with a zero balance. Months later I see an email with an over due balance of $9. Keep in mind that it is not about the amount, but their abhorent (I used another word but they made me change it) business practices. I called to see why I was l being charged monthly for an account with a zero balance. The customer service representative was delighted to explain the their concept of continuing to charge a monthly "residual interest fee". This was not about interest that would have accrued from the date you closed the account to the end of the billing cycle. Oh no...it was a fee they were going to continue to charge every month after you closed your account if you had EVER, in the history of your account, not paid your bill in full every month. So they were charging $3 a month even after I no longer had an account with them. And because I didn't have an account with them, I wasn't looking at their emails/statements, so they were charging interest on the unpaid residual interest every month. Not so noticeable for one customer, but it is when they are doing it to a multitude of customers. Horrible company and business practices!!
Product: J.Jill Credit Card
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1 Star Rating
Sleeze, you have to watch their statement and due dates. They never sent us a bill, but sent us a late payment notice. Using them is like dealing with a used car finance manager. Trying to get a straight answer out of them is impossible.
Product: Alphaeon Credit Card
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1 Star Rating
In April 2026 I had a remaining balance listed as $25.13. I was thrilled to log on & make that *final* payment in May. Today I receive a call saying I own another almost $60 because I was TWO DAYS late & I have a new remaining balance. The card hasn't been used in ages. So there is now a charge at over 150% what the ending balance was when I made the payment on the 1st? I even reviewed statements to confirm. Respectfully, no, thank you. The last 6 months of payments are all on time or early save for 1 & for that I paid the massive late fee without issue. On top of that, why are they calling me on a Sunday, why were payments going through on a Sunday, when they always claim only business days for them to be applied? Rhetorical questions. Sus.
Making payments on the web or the ap have always been a horrible pain, which is why I tended to make the payment even before the 1st. So I had customer service call ME (6 days past my normal due date, mind you) to demand payment. I declined. He said he could remove the late fee but then I still had a remaining balance. A remaining what, now? No. So, HE sends me to the supervisor. I wasn't even a crazy lady asking. This supervisor must get told off plenty because she came in hot and ready to scold me like I was a toddler having a tantrum. Ahem, I am an adult saying no and asking to be heard, but that wasn't an option, apparently. Was I irate? Absolutely!! They just pooped on my excitement of finally paying off a card!! She started the lecture and then told me off about interrupting her. I didn't need her to explain to me why they were attempting to steal another $60 from me, I understood their scam. I informed her I would not be spoken to in that way, she continued to yell and told me to have a good day. Was I supposed to call back? Beg? Perhaps I do not know the proper way to be scammed.
After my 'thank you, bye!' I hung up and got my statements in order. I had a balance that I PAID. I have since sent them the information with a formal request to close the account and payment for their fraud would not be paid.
Stay away if you can!
Making payments on the web or the ap have always been a horrible pain, which is why I tended to make the payment even before the 1st. So I had customer service call ME (6 days past my normal due date, mind you) to demand payment. I declined. He said he could remove the late fee but then I still had a remaining balance. A remaining what, now? No. So, HE sends me to the supervisor. I wasn't even a crazy lady asking. This supervisor must get told off plenty because she came in hot and ready to scold me like I was a toddler having a tantrum. Ahem, I am an adult saying no and asking to be heard, but that wasn't an option, apparently. Was I irate? Absolutely!! They just pooped on my excitement of finally paying off a card!! She started the lecture and then told me off about interrupting her. I didn't need her to explain to me why they were attempting to steal another $60 from me, I understood their scam. I informed her I would not be spoken to in that way, she continued to yell and told me to have a good day. Was I supposed to call back? Beg? Perhaps I do not know the proper way to be scammed.
After my 'thank you, bye!' I hung up and got my statements in order. I had a balance that I PAID. I have since sent them the information with a formal request to close the account and payment for their fraud would not be paid.
Stay away if you can!
Product: Comenity Credit Cards
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1 Star Rating
Verified CustomerI was offered a pre-approved credit card. I had to answer a couple of questions and in a week, I should get a credit card. What came was a letter saying they we're unable to approve me for a Good Sam Credit Card. Get this, the reason they gave was as follows. "We regret that we are unable to approve your request because the name, address, or social security number provided with your response was different from the information we used in the pre-approved credit offer". My credit score is over 700. I've had the same info for over 10 years. Total Scam!
Product: Comenity Credit Cards
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1 Star Rating
Not a good credit card you have a short time to do your payment on your due date, only until 5pm, customer service are not to helpful when you have a hardship and the app is very difficult to do your payment
Product: Ulta Credit Card
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1 Star Rating
One star is lowest I can give here if could give a ZERO I would have! Used the free pay by phone system for first payment as using a customer service representative they charge $9.00 which is pretty sad! Then they got payment amount incorrect along with incorrect account information but I received a confo# so needless to say the payment was returned. I corrected payment and even over paid them to point I had<span class="hidden"> credit before payment due date. So they locked my card and for a time period that the get out of paying the $100 credit. Pretty sad FORD paired with such a poor company!</span><span class="more-ellipsis">…</span> <a href="#" class="more">show more</a>
Product: Ford Credit Card
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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.
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UpvotesWhat Comenity Bank credit cards are easy to get?
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Maria Adams
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. 15 points per $1 spent at any of the fullbeauty brands, 20 points once you accumulate 3,500 points in a year and 25 points once you accumulate 8,750 points in a year.
- 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.
16
UpvotesWhat credit score do you need for a Comenity Bank credit card?
Reply
Rhonda Stewart
Comenity€™s credit score requirement ranges from fair to good, depending on the card. You can check your credit score for free here on WalletHub. 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 requirement.
Credit Score Recommended by Comenity Card
- Ulta Credit Card: 700 (Good credit)
- IKEA Credit Card: 700 (Good credit)
- Sportsman's Warehouse Store Card: 640 (Fair credit)
- NFL Extra Points Credit Card: 700 (Good credit)
- ...
16
UpvotesHow can I pay my Comenity Bank credit card?
Reply
Maria Adams
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...
16
UpvotesHow can I check my Comenity Bank credit card application status?
Reply
Evelyn Boros
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...
17
UpvotesHow do I request a credit limit increase with Comenity Bank?
Reply
Bogdan Roberts
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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