Alphaeon Credit Card Reviews: Is It Worth It? (2025)Reviews, rates, fees, and customer service info for The Alphaeon Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditNo rewardsHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
The Alphaeon Credit Card is worth considering if you have fair credit (a credit score of 640-699) and you need a way to finance an expensive procedure with a participating plastic surgeon or dermatologist. You can only use this card to pay for medical procedures with certain doctors, and its main benefit is the opportunity to avoid interest charges. Info about the Alphaeon Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
1.3/5
63 reviewsRead and write reviews
Editor’s Review
1.8/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
2.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
3.3
Other Features
0.0
2.5/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
32.99%
Balance Transfer
Balance Transfers Not Allowed
Alphaeon Credit Card's Additional Info
Credit limits up to $35,000.
Special financing available at participating physicians’ offices.
The Alphaeon Credit Card is worth considering if you have fair credit (a credit score of 640-699) and you need a way to finance an expensive procedure with a participating plastic surgeon or dermatologist. You can only use this card to pay for medical procedures with certain doctors, and its main benefit is the opportunity to avoid interest charges.
The card’s interest-free financing offer comes with a catch, however. If you don’t pay off your full balance by the end of the promotional financing period, interest will retroactively apply to your original purchase amount at a very high rate. This is called deferred interest. Alternatively, if you spend $1,000+, you can get a promo rate that basically cuts the regular APR in half temporarily – without deferred interest.
Given its financing limitations, the Alphaeon Credit Card is nowhere near as good as the best 0% APR credit cards on the market right now. If you have good or excellent credit (a credit score of 700+), you should consider one of those cards instead.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
1.8
User Reviews
1.3
Market Comparison
2.5
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 0.0
3.5WalletHub Rating
WalletHub Rating
3.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.0
User Reviews
3.6
Market Comparison
3.4
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 4.5
2.7WalletHub Rating
WalletHub Rating
2.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Alphaeon Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. 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.
You can make a Alphaeon Credit Card payment online, by phone, by mail or through EasyPay. To pay a Alphaeon Credit Card bill online, log in to your online account and click on “Payments.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Capital does allow cardholders to set up automatic payments, too.
Ways to Make a Alphaeon Credit Card Payment
Online: Log in to your online account and click on “Payments” or use the EasyPay feature in order to pay your bill.
By phone: Call (855) 497-8176 and enter your card information when prompted, then follow the prompts to make a credit card payment.
By mail: Send a check or money order (but not cash) to
Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Alphaeon Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
The credit score you need for the Alphaeon Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card, as long as they have enough income to afford monthly payments and they meet the card's other requirements.
While your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Alphaeon Credit Card, too. Some...
To cancel an Alphaeon Credit Card, call customer service at (855) 497-8176 or log in to the Comenity Bank website.
Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. You will also need to update the payment method for any recurring charges linked to your Alphaeon Credit Card card.
You cannot get a cash advance with Alphaeon Credit Card. This is a healthcare card that can only be used for medical expenses, at certain physicians.
The fact that Alphaeon Credit Card cash advances are not an option might be a good thing. Cash advances are very expensive, thanks to a cash advance fee and a high cash advance APR that apply as soon as you withdraw the cash. Also, depending on where you get the cash advance,...
No, you cannot get the Alphaeon Credit Card with a co-signer. As a matter of fact, most credit card issuers no longer allow this option. However, you can check to see if you pre-qualify for the card, to gauge your odds of approval (80%+). Checking to see if you pre-qualify will only involve a soft pull, which won't damage your credit score.
If you don't pre-qualify, it is still possible to be added as an authorized user on...
You can request an Alphaeon Credit Card credit limit increase by calling customer service at (855) 497-8176. 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.
It should take 7-10 business days to get the Alphaeon Credit Card after you get approved. If you need the card sooner, you can request expedited shipping at no additional cost. To do that, call customer service at (855) 497-8176 after you get approved. With expedited shipping, your card should arrive in 1-2 business days.
Just keep in mind that it's not a good idea to request expedited shipping right after approval. If you do that, the...
You can apply for the Alphaeon Credit Card by visiting the Alpheon website. Once you're there, select the “PRE-QUALIFY” button located in the top right corner of the page. On the next page select “PRE-QUALIFY” again, and then fill in the required info to submit the application.
The Alphaeon Credit Card may offer 0% APR promotions on certain purchases. It's important to pay off the entire balance before the promotional rate expires, though. That is because the regular APR might apply retroactively from the purchase date if any balance remains after the 0% APR period ends. This is called deferred interest, and it can be quite costly.
Keep in mind that even though you don't pay interest during 0% APR periods, you still must...
Share your insights and review for the Alphaeon Credit Card
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90%
1.3
63 reviews
63 reviews
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Rachel @rsl0808
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1 Star Rating
Alphaeon Credit is predatory. They claim to give you a certain number of months to pay off your credit, but they don't mail your first statement for two months and then charge you interest on the entire amount. I had $160 left to pay off, and they charged me $130 in interest. Do not use Alphaeon.
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Jessie Rosales @rsls101
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1 Star Rating
Do not use - Beware! We utilized this company for LASIK. I was making payments on time but was still charged an "Interest Charge on Purchases" of $1,944 when my previous balance was $1,488. I hope this message reaches as many potential customers as possible to protect them from this deceitful company. If there is a class action lawsuit, please let me know.
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tina @ttttwww1234
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1 Star Rating
It's true that Alphaeon Credit Card is a major scam, they charge you a substantial deferred interest charges even while enrolled in an autopay program designed to settle the balance by the end of the promotional plan. LaserAway should also be blamed for promoting their more costly cosmetic procedures, further increasing my balances without adequately informing me of the potential deferred interest risks associated with Alphaeon. They did not properly advise clients that additional hidden charges will be added to the old promotional plan's balance. Both parties are excessively greedy, attempting to maximize profit from their clients with false ads and lack of transparency. Please Stay away! Terrible consumer experience!
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aedqyonan @aedqyonan
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1 Star Rating
The deferred interest is a killer. If you don't pay the full amount within a year, they charge you very high interest retrospectively. They literally charge you 12 months of interest, and then you start accumulating interest on top of what is now the new balance.
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67bites_seer @67bites_seer
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1 Star Rating
I have good credit and I'm always on time with payments. However, this credit card company decided to charge my card, which is now canceled, over $3,000 for a day after the bill was closed (it was on a Saturday). Calling customer support only led to frustration due to their lack of assistance or effort to help.
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Timothy Ebert @tpedle
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1 Star Rating
Most unethical company ever! I mailed our payment postmarked 9 days early. They say they received it on the 11 days later and deemed it late. How do I prove when they received it? Charged me 30 dollars, offering 15 off when I complained but would not give me any supervisory recourse! Shameful robbery practice! Stay away!
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Jo MD @Joann1328
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1 Star Rating
I also applied for credit for major eye surgery. When I prequalified, I was approved, but when I applied, I was told it would take 7 to 10 days to hear from them. My surgeon wanted payment immediately. I called "patient support" and received no support, only a rude attitude. Decided to forget it! I applied for Care Credit and was approved, receiving the last four digits of the account so the doctor's office could obtain the necessary amount and I didn't need to reschedule four appointments. Save yourself some grief; contact Care Credit for your needs!
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vit mkk @mokriusss
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1 Star Rating
Scam credit card; don't believe them. It's impossible to solve any issue via customer support, and the website is full of bugs. If you are not a Generation Z person, forget about even logging into your account.
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Todd Lee @leecallahantk
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1 Star Rating
Beware; Alphaeon will not inform you if a payment is returned, and then they will charge you a fee. This happened with my last payment, which was at 17 months, for a promotional 24-month program. Customer service is sketchy and not authorized to use common sense or assist in any manner. For me, this was a $30 fee. Unfortunately, for others who exceed their promotional period, you will most likely pay full interest for the entire period regardless of how much was paid or balance owed.
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ben Dany @beneisa1111
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1 Star Rating
Warning: Alphaeon/Comenity Scam Alert!
I recently fell victim to a predatory financing scheme with Alphaeon/Comenity. They offered me $3,000 for a dental procedure but failed to clearly disclose the exorbitant interest rates. Despite making consistent payments of $150-250 a month, I was shocked when they applied a $1,200 interest charge leaving me with a new balance of $1,550 when I only had $350 left unpaid.
The math seemed very suspicious.
The fine print revealed a 32% interest rate, contradicting the initial 20 month promotional terms . It's essentially dishonest. I take responsibility for not doing my research, but the lack of transparency is appalling. They legitimately steal your money and it seems like you can’t do anything about it
Lesson learned: beware of hidden fees and astronomical interest rates. Always scrutinize financing terms before signing. Never do business with this company and inform your friends and family to not do any sort of business with Alpheon
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