Comenity
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4 Star Rating
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Comenity
Comenity has been helping people get more for their money since they introduced their first credit card in 1986. Today, Comenity Bank and Comenity Capital Bank partner with some of the world?s most recognized merchants, providing more than 145 branded credit programs, including private label, co-brand and commercial credit cards. At Bread Financial, they?re... show more
Comenity Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 04/09/2026.
3.6
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Comenity
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1 Star Rating
WARNING: Read before signing up for Alphaeon/Comenity Bank promotional plans and cards.
I enrolled in two "deferred interest" promotional plans thinking they worked like separate installments — one payment per plan, clearly divided. That is NOT how it works. The bank splits your payment between plans however they choose, with no option to direct funds to the plan expiring soonest. By the time I realized this, my oldest plan had accumulated a significant amount of hidden interest — despite me paying more than the minimum every single month.
To make matters worse:
— There is no option online to direct payments to a specific plan.
— When I called to request this, the representative (after a 20-minute call) said he "didn't understand" what I was asking.
— The bank has a well-documented history of canceling automatic payments without notice, then charging late fees.
The fine print does disclose their payment allocation method, but it is buried and written in a way that most people will not understand until it is too late.
I was lucky enough to catch this in time and financially organized enough to manage the situation. But after reading other reviews, I can see that many people are already struggling financially — and this bank will only make it worse. If you are going through a hard time, the last thing you need is a bank working against you.
If you are considering this card, go in with eyes open: always calculate exactly how much you need to pay each month per plan to avoid deferred interest, and never assume your extra payments are protecting you from expiring plans. They are not.
Don't fall for it!!!
I enrolled in two "deferred interest" promotional plans thinking they worked like separate installments — one payment per plan, clearly divided. That is NOT how it works. The bank splits your payment between plans however they choose, with no option to direct funds to the plan expiring soonest. By the time I realized this, my oldest plan had accumulated a significant amount of hidden interest — despite me paying more than the minimum every single month.
To make matters worse:
— There is no option online to direct payments to a specific plan.
— When I called to request this, the representative (after a 20-minute call) said he "didn't understand" what I was asking.
— The bank has a well-documented history of canceling automatic payments without notice, then charging late fees.
The fine print does disclose their payment allocation method, but it is buried and written in a way that most people will not understand until it is too late.
I was lucky enough to catch this in time and financially organized enough to manage the situation. But after reading other reviews, I can see that many people are already struggling financially — and this bank will only make it worse. If you are going through a hard time, the last thing you need is a bank working against you.
If you are considering this card, go in with eyes open: always calculate exactly how much you need to pay each month per plan to avoid deferred interest, and never assume your extra payments are protecting you from expiring plans. They are not.
Don't fall for it!!!
Product: Comenity Credit Cards
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Comenity
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1 Star Rating
Run Away from AAA (Credit Card) - As a 25+ year AAA roadside assistance cardholder, I thought I’d try their 5% cash-back Visa credit card. BIG MISTAKE.
Pros:
• 5% back on fuel purchases - BUT it’s limited to $500 cash back, annually. Meaning you can only ever gain $500 in cash back in a single year.
• It’s a Visa credit card: accepted by most merchants.
Cons:
• Low cap of $500 in cash back per year.
• Terrible (nearly non-existant ) customer service. Rude and uneducated on their own credit card offerings.
• Faulty mobile app and website. On several occasions I logged into my account to pay my balance and my account didn’t show my transactions but showed I owed on my balance. I had no way to verify the transactions were accurate (and not fraudulent).
• The credit card is not managed on a platform owned by AAA. As of the date of this post, AAA outsources their card management to Comenity Financial, which is a company owned by yet another, separate (parent) company: Bread Financial. The customer service representatives for this card are not AAA representatives. They’re poorly trained, ill-mannered Comenity Financial call center representatives working “on behalf” of AAA.
**IF YOU CALL THEIR CUSTOMER SERVICE PHONE NUMBER: Immediately ask to speak with a supervisor. You will be transferred to a somewhat more capable individual who has more knowledge about AAA.
• Zero communications from AAA or Comenity Financial. You will receive no updates, payment reminders, or courtesy communications regarding your AAA credit card account.
• A desperate financial institution, Comenity Financial will find any way they can to charge you credit card penalties and miscellaneous fees.
Summary:
• This card sounds like a legitimate, high quality credit card from a reputable company (AAA). Instead, what you get is a Visa credit card that sports AAA’s branding, managed by an incompetent financial company Comenity Financial, owned by Bread Financial.
If you’re smart, you’ll avoid this card.
Pros:
• 5% back on fuel purchases - BUT it’s limited to $500 cash back, annually. Meaning you can only ever gain $500 in cash back in a single year.
• It’s a Visa credit card: accepted by most merchants.
Cons:
• Low cap of $500 in cash back per year.
• Terrible (nearly non-existant ) customer service. Rude and uneducated on their own credit card offerings.
• Faulty mobile app and website. On several occasions I logged into my account to pay my balance and my account didn’t show my transactions but showed I owed on my balance. I had no way to verify the transactions were accurate (and not fraudulent).
• The credit card is not managed on a platform owned by AAA. As of the date of this post, AAA outsources their card management to Comenity Financial, which is a company owned by yet another, separate (parent) company: Bread Financial. The customer service representatives for this card are not AAA representatives. They’re poorly trained, ill-mannered Comenity Financial call center representatives working “on behalf” of AAA.
**IF YOU CALL THEIR CUSTOMER SERVICE PHONE NUMBER: Immediately ask to speak with a supervisor. You will be transferred to a somewhat more capable individual who has more knowledge about AAA.
• Zero communications from AAA or Comenity Financial. You will receive no updates, payment reminders, or courtesy communications regarding your AAA credit card account.
• A desperate financial institution, Comenity Financial will find any way they can to charge you credit card penalties and miscellaneous fees.
Summary:
• This card sounds like a legitimate, high quality credit card from a reputable company (AAA). Instead, what you get is a Visa credit card that sports AAA’s branding, managed by an incompetent financial company Comenity Financial, owned by Bread Financial.
If you’re smart, you’ll avoid this card.
Product: AAA Rewards Credit Card
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Comenity
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1 Star Rating
This is the worst card I have ever owned. I got an email telling me my bank account information was wrong and they reversed my payment 3 days after the due date and now. Paid immediately when the email came. And now I'm hit with a late fee and suspended card for their issues.
so i am unable to use my rewards I earned. The best part is the bank account is the same one I made the new payments with! I haven't made a late payment on any cards I own. And have a high credit score. This card screams scam. Avoid at all cost even if you have an perfect credit score.
so i am unable to use my rewards I earned. The best part is the bank account is the same one I made the new payments with! I haven't made a late payment on any cards I own. And have a high credit score. This card screams scam. Avoid at all cost even if you have an perfect credit score.
Product: Sephora Credit Card
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Comenity
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1 Star Rating
Verified CustomerFirst of all, I highly recommend Patient Fi instead. Second of all, I have a membership with two other entities at Comenity Bank, and I’ve never had any issues with them the way I have with Alphaeon.
I was waiting for a statement to make my first payment as they did not email me or send me anything online.
The first piece of mail that I ever received from them was a warning against my credit that I had not paid their bill. I called them back, explained that I never received a statement, and made two payments as well as scheduled two more payments to make up for the last time.
They had charged me two late fees and reversed one. They would not reverse the other. I explained that it was their fault, I’ve never missed a single payment and I’ve always been clear with Comenity.
They claimed that they were Comenity (which is bogus, it’s just a partnership - they’re not even on the app) and that it was not their fault that it was the Postal Service’s fault.
Horrible customer service. Go with any other lender but this one.
I was waiting for a statement to make my first payment as they did not email me or send me anything online.
The first piece of mail that I ever received from them was a warning against my credit that I had not paid their bill. I called them back, explained that I never received a statement, and made two payments as well as scheduled two more payments to make up for the last time.
They had charged me two late fees and reversed one. They would not reverse the other. I explained that it was their fault, I’ve never missed a single payment and I’ve always been clear with Comenity.
They claimed that they were Comenity (which is bogus, it’s just a partnership - they’re not even on the app) and that it was not their fault that it was the Postal Service’s fault.
Horrible customer service. Go with any other lender but this one.
Product: Alphaeon Credit Card
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Comenity
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1 Star Rating
If i could give them 0 stars, i would. Super dismissive, not willing to help, and hard to understand which is the most frustrating part of it all. I will NEVER use them again for any other purchases. I will go somewhere else to i can deal with agents that actually speak english fluently, that are willing to help, and whom actually care
Product: Jared Credit Card
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Comenity
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1 Star Rating
Terrible experience impossible to manage payments on line Terrible customers service do not open this credit card it's been a nightmare from the beginning
Product: Burlington Credit Card
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Comenity
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1 Star Rating
This bank appears to be unfairly charging customers.
My wife opened a credit card through Sephora and made a purchase of about $65. We never received any billing statement. Later, the bank added a $40 late fee.
I contacted customer service, and they agreed to waive $25 of the fee. I then paid the original balance plus the remaining $25 late fee. This issue occurred in November, and we believed it was resolved.
However, in March, we received another call from customer service demanding around $200. They claimed that the original payment was one day late and continued adding additional late fees.
Now, the customer service representatives are threatening legal action, which feels unreasonable given the situation. We made a good-faith effort to resolve the issue and paid what we were told was owed.
This situation feels unfair and needs to be reviewed.
My wife opened a credit card through Sephora and made a purchase of about $65. We never received any billing statement. Later, the bank added a $40 late fee.
I contacted customer service, and they agreed to waive $25 of the fee. I then paid the original balance plus the remaining $25 late fee. This issue occurred in November, and we believed it was resolved.
However, in March, we received another call from customer service demanding around $200. They claimed that the original payment was one day late and continued adding additional late fees.
Now, the customer service representatives are threatening legal action, which feels unreasonable given the situation. We made a good-faith effort to resolve the issue and paid what we were told was owed.
This situation feels unfair and needs to be reviewed.
Product: Comenity Credit Cards
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Comenity
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1 Star Rating
Don’t even apply for this card they offered to me I took it.
No interest for 6 months was not true. My bill was for 2060$ si first payment I did was for 60$ then my second payment I was billed for $2059 so they did charge interest and only 3 dollars to the principal so I paid off and canceled
No interest for 6 months was not true. My bill was for 2060$ si first payment I did was for 60$ then my second payment I was billed for $2059 so they did charge interest and only 3 dollars to the principal so I paid off and canceled
Product: Toyota Credit Card
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Comenity
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1 Star Rating
Sephora credit card is garbage. A family member used it to pay a salon for expensive hair extensions which fell out in a week. Customer service took months to evaluate the dispute, asking for pictures and statements from other stylists, then claimed the salon fought it and refused to refund anything.
Part of the purchase was made on a citibank card and they refunded immediately.
Stay away from these thieves.
Part of the purchase was made on a citibank card and they refunded immediately.
Stay away from these thieves.
Product: Sephora Credit Card
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Comenity
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1 Star Rating
This has to be, by far, the worst credit card I have ever had in my life. If you don’t have to open one, DONT!
I do not have kids but I was making a purchase for a friends baby shower. I decided to open the card to save 30% at the store. That’s how they reel you in and then charge you 10x more for what you bought. I then got my statement in the mail, paid it, and then all of a sudden I get another statement the next month, charging me $3 interest on a zero balance! I didn’t realize it because I THOUGHT i paid the card off, so I missed the payment, resulting in a late charge of $38.99! I didn’t even want to deal with it so I just paid it. Then this month I get another $3.00 on my zero balance!! I just paid it and immediately closed my account. I have now paid twice the amount of the original purchase! The APR Is also 35.99! The way this credit card is handled is absolutely atrocious. Ive used comenity many times and have never had this problem. I highly DO NOT recommend opening a children’s place credit card. Completely nightmare scam.
I do not have kids but I was making a purchase for a friends baby shower. I decided to open the card to save 30% at the store. That’s how they reel you in and then charge you 10x more for what you bought. I then got my statement in the mail, paid it, and then all of a sudden I get another statement the next month, charging me $3 interest on a zero balance! I didn’t realize it because I THOUGHT i paid the card off, so I missed the payment, resulting in a late charge of $38.99! I didn’t even want to deal with it so I just paid it. Then this month I get another $3.00 on my zero balance!! I just paid it and immediately closed my account. I have now paid twice the amount of the original purchase! The APR Is also 35.99! The way this credit card is handled is absolutely atrocious. Ive used comenity many times and have never had this problem. I highly DO NOT recommend opening a children’s place credit card. Completely nightmare scam.
Product: The Children's Place Credit Card
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Comenity
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1 Star Rating
Worst card of my life. I could not cancel it despite five tries. There was a $2 balance that I was assured was paid off multiple times on the phone. Let the holder beware. So they kept charging me late fees for many months to the tune of over $160 or more on a $2 balance on a canceled card, which I was told was paid off and closed three times. I thought about suing them or reporting them to the Better Business Bureau. This is like the Wells Fargo account churning scandal. The online website is the worst I have ever seen and very delayed. I will never go to another casino or get another non-reputable credit card again.
Product: Caesars Credit Card
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Comenity
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1 Star Rating
AAA Visa Card is the worst of all! Do not be swayed by the offer of free small luggage. It's not worth it due to extremely poor customer service and inadequate communication with customers. This AAA credit card should be avoided completely!!! It is not recommended at all. Stop believing their marketing strategies will FOOL YOU! It's the worst of the worst!!!!!
Product: AAA Rewards Credit Card
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Comenity
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1 Star Rating
I paid my small balance of $28.00 on February 11th, 2026. On February 13th, I was assessed a $30.81 late fee and interest. I called to dispute this and was offered a one-time courtesy credit of $15.00. I said I'd take that, but that I was going to file a complaint and closed my account. I tried to file a complaint with the Better Business Bureau, but they said this bank handles its own issues. Later, I got a very rude letter from Comenity National Bank (Ulta card's Bank) refusing to remove the $30.81 fees, so I filed a complaint with the Consumer Protection Agency and paid the $30.81 to end this. Today, March 23, 2026, I received a new bill for $32.81 because they didn't receive the $30.81 by the card's due date, even though the card was closed in February after I paid the $28.00 balance. A call to the number on the card ended in a rude conversation with a manager. He heard me out, told me I owe it even though the card was closed in February, and I was fighting the $30.81 charge. He said he couldn't help me further, and that was the end of it. I have excellent credit and always paid my bill. Now, when I was two days late, it has ended up in $63.00 late charges and interest in one month. Never get an Ulta card. I pay my bills with my bank's bill pay and never had a problem before. I know Trump reversed the fair credit bill that Biden put in place to avoid this, but this bank has no courtesy for even its paying customers with excellent credit. It does not deserve even one star.
Product: Ulta Credit Card
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Comenity
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1 Star Rating
I have a Comenity Worldwide Vacation & Travel Mastercard with a confusing interest rate. I received a promotion for no interest for 6 months. It was explained to me that I only had to pay interest on the balance after the promotion period. However, they charged me interest on the entire amount I borrowed. I was sold a vacation package by a company that worked with Comenity to open an account for me. The loan was for $9,000, and the interest was $1,172.46, which seems excessive for my balance at the end of 6 months, which is only $2,800. I will not give a star for this service; these companies seem to be driven by greed. I will never use this company again.
Product: Comenity Credit Cards
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Comenity Q&A(971 questions)
Get answers to your questions about Comenity below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. 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. Ad Disclosure
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0
UpvotesHow can I log in to my Victoria's Secret Credit Card account online?
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Chip Lupo
You can log in to your Victoria's Secret Credit Card account by going to the login page on the Comenity Bank website and entering your username and password in the appropriate fields. Then, click the “Sign In” to access your online account.
How to Register for Online Access on your Victoria's Secret Credit Card Account
- Register your Victoria's Secret Credit Card for online account access. Click “Register Now” and enter card number, ZIP code, and last four digits of your Social Security number to verify your credit card account.
- Choose your Victoria's Secret Credit Card username and password. The password must be atleast 8 characters, have at least one uppercase letter, one lowercase letter, and one number. The password is case sensitive and may contain special characters.
- Log in with your new Victoria's Secret Credit Card credentials. From the login page on the Comenity Bank website, fill out the Username and Password fields using your new credentials, and click “Sign In” to access your account.
After you have signed up and logged in, you'll be able to manage your Victoria's Secret Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
In case you forget your login information, you can click “Forgot Username/Password?” on the Comenity Bank login page and follow the prompts to reset or retrieve your username or password.
0
UpvotesHow can I pay my Ulta Credit Card?
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Maria Adams
You can make a Ulta Credit Card payment online, by phone, by mail or through EasyPay. To pay a Ulta Credit Card bill online, log in to your online account and click on "Pay Now." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Bank does allow cardholders to set up automatic payments, too.
Ways to Make a Ulta Credit Card Payment
- Online: Log in to your online account and click on...
12
UpvotesHow can I pay my Victoria's Secret Credit Card?
Reply
Adam McCann
You can make a Victoria's Secret Credit Card payment online, by logging in to your account and clicking on the payment button by your card. Then, follow the instructions to enter the required information about your payment and submit it.
How to Make a Victoria's Secret Credit Card Payment Online
- Login to your Comenity account with your username and password.
- Click the payment button located by your credit card.
- Choose how much to pay, when to...
1
UpvoteHow can I pay my Torrid Credit Card?
Reply
Maria Adams
You can make a Torrid Credit Card payment online, by phone, by mail, at a store or through EasyPay. To pay a Torrid Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Capital Bank does allow cardholders to set up automatic payments, too.
Ways to Make a Torrid Credit Card Payment
- Online: Log in to your online...
1
UpvoteHow can I pay my Burlington Credit Card?
Reply
Maria Adams
You can make a Burlington Credit Card payment online, by phone, by mail or through EasyPay. To pay a Burlington Credit Card bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity does allow cardholders to set up automatic payments, too.
Ways to Make a Burlington Credit Card Payment
- Online: Log in to your online account and click on...
1
UpvoteHow can I log in to my Jared Credit Card account?
Reply
Maria Adams
To log in to your Jared Credit Card account, go to Comenity Bank's website, enter your username and password in the appropriate fields, and click the button to sign in. If you don't already have an online account with Comenity Bank, you'll need to enroll first and set up a username and password.
How to Log in to Your Jared Credit Card Account
- Visit Comenity Bank's website. Navigate to the login box at the top of the...
1
UpvoteHow can I pay my Zales Credit Card?
Reply
Maria Adams
You can make a Zales Credit Card payment online, by phone, by mail or through EasyPay. To pay a Zales Credit Card bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity does allow cardholders to set up automatic payments, too.
Ways to Make a Zales Credit Card Payment
- Online: Log in to your online account and click on...
0
UpvotesHow can I log into my Lane Bryant Credit Card account?
Reply
Chip Lupo
To log in to your Lane Bryant Credit Card account, go to issuer's website, enter your username and password in the appropriate fields, and click the button to sign in. If you don't already have an online account with issuer, you'll need to enroll first and set up a username and password.
How to Log in to Your Lane Bryant Credit Card Account
- Visit issuer's website. Navigate to the login box at the top of the page, where it...
0
UpvotesHow can I talk to the Victoria's Secret Credit Card customer service?
Reply
Chip Lupo
To talk to Victoria's Secret Credit Card customer service, call (800) 695-7020 and then say "I don't have it" when asked for your credit card number or your SSN. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Victoria's Secret Credit Card Customer Service by Phone
- Call the Victoria's Secret Credit Card customer service department. You can even use the number on...
1
UpvoteHow can I pay my Kay Credit Card?
Reply
Maria Adams
You can make a Kay Credit Card payment online, by phone, by mail or through EasyPay. To pay a Kay 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 does allow cardholders to set up automatic payments, too.
Ways to Make a Kay Credit Card Payment
- Online: Log in to your online account and click on "Payments," or...
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