Comenity Bank Credit Card Reviews [September 2024]

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 Financialcompanies.

Notable Comenity Credit Card Offers in September 2024

Furniture:
IKEA Credit Card
IKEA Credit Card
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Home Goods:

Bed Bath & Beyond® Credit Card
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Automotive Rewards:
Toyota Credit Card
Toyota Credit Card
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Insurance:
Farmers Credit Card
Farmers Credit Card
Learn MoreLearn More

Furniture:
IKEA Credit Card
Home Goods:
Automotive Rewards:
Toyota Credit Card
Insurance:
Farmers Credit Card

Comenity Credit Card Reviews

PlayStation® Visa® Credit Card

3.25 out of 5 rating300 Reviews300 User Reviews

Apply Now

3.25 out of 5 rating300 Reviews300 User Reviews

3.7WalletHub Rating

WalletHub Rating

3.7

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 "Earn Rewards (Store Cards)." 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

4.7

User Reviews

3.2

Market Comparison

3.6

fees: 5.0

rewards: 3.8

cost: 3.3

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→19.24%, 25.24% or 27.99% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

19.24%, 25.24% or 27.99% (V)

annual fee

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 that’s worth it for gamers or parents of gamers who have good credit or better. The card offers well-above-average rewards rates on PlayStation and Sony purchases, as well as on monthly cell phone bill payments, and it has a $0 annual fee.

Pros

$100 initial bonus
5 points / $1 on PlayStation Store purchases and PlayStation and Sony products from authorized retailers
No annual fee

Cons

Potential for a very high regular APR
Inconsistent redemption value

Rewards Details

5X points when you shop directly from PlayStation (on games, consoles, accessories, subscriptions and more).**
5X points when you shop the Sony Store and at authorized retailers***
3x points per $1 spent on cable & internet bill payments**
2x points on Restaurants & Fast Food (includes takeout, &delivery services)**
1x point on all other purchases anywhere Visa is accepted**
Earn a $100 statement credit when you open and use the PlayStation Card to spend $400 in purchases within 60 days of account opening. Offer ends 12/31.*

Pros, Cons, & Details

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Ulta Credit Card

2.74 out of 5 rating136 Reviews136 User Reviews

4.4WalletHub Rating

WalletHub Rating

4.4

Editor’s Rating

4.4

User Reviews

2.7

Market Comparison

4.5

fees: 5.0

rewards: 4.6

cost: 4.7

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→23.24% - 32.24% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

23.24% - 32.24% (V)

annual fee

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 $0 annual fee rewards credit card for people who want to save money on Ulta Beauty products and services. It offers 20% off your first Ulta purchase made with the card, plus ongoing rewards of 2 points per $1 spent at Ulta. The Mastercard version of the Ulta Credit Card also gives 500 bonus points for spending $500 outside of Ulta Beauty in the first 90 days and 1 point per $3 spent on non-Ulta purchases normally.

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

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 receiving 2.25 points per $1 spent.
Members who spend $1,200 between January 1 and December 31 will earn Diamond status receiving 2.5 points per $1 spent.
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.

Pros, Cons, & Details

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Victoria's Secret Credit Card

3.51 out of 5 rating804 Reviews804 User Reviews

4.4WalletHub Rating

WalletHub Rating

4.4

Editor’s Rating

5.0

User Reviews

3.5

Market Comparison

4.3

fees: 5.0

rewards: 4.4

cost: 4.4

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→32.24% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

32.24% (V)

annual fee

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 of 10 points per $1, and perks such as birthday bonuses and free shipping. Plus, you only need fair credit to be approved for an account.

Pros

No membership fees
High rewards rate
$25 discount initial rewards bonus
Qualify with fair credit

Cons

Spending caps on rewards
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.

Pros, Cons, & Details

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Sportsman's Warehouse Store Card

3.91 out of 5 rating11 Reviews11 User Reviews

3.6WalletHub Rating

WalletHub Rating

3.6

User Reviews

3.9

Market Comparison

3.6

fees: 5.0

rewards: 3.4

cost: 3.5

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→35.99%

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

35.99%

annual fee

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 now.
Earn 5 points per eligible net $1 spent at Sportsman's Warehouse or 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.

Pros, Cons, & Details

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IKEA Credit Card

3.25 out of 5 rating4 Reviews4 User Reviews

3.6WalletHub Rating

WalletHub Rating

3.6

Market Comparison

3.6

fees: 5.0

rewards: 3.5

cost: 3.5

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→21.99%

Purchase Intro APR

Not Offered

Bread Rewards™ American Express® Credit Card

0 out of 5 rating

3.4WalletHub Rating

WalletHub Rating

3.4

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 "Earn Rewards." 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.

Market Comparison

3.4

fees: 5.0

rewards: 2.6

cost: 3.6

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→19.49% - 31.49% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

19.49% - 31.49% (V)

annual fee

rewards rate

1 - 3 points / $1

minimum credit

Good

WalletHub's Take

Pros

No membership fees
High rewards rate
Bonus rewards categories
No foreign fee

Cons

No initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit

Read our editor's full Bread Rewards™ American Express® Credit Card review.

Rewards Details

Earn 3 points per $1 spent at gas stations and grocery stores, plus dining and utility purchases.
Earn 1 point per $1 spent on all other purchases.
Redeem your points for statement credits, travel, gift cards, merchandise and more.
Earn 25% extra points every billing cycle you make 20 or more purchases.
Make the most of your travels with 30% off select hotels through Booking.com.

Additional Info

Enjoy benefits like Purchase Protection, Travel accident insurance and Emergency assistance.
Make everyday purchases more rewarding with Amex Offers at places you like to shop, dine, travel, and more.
Enjoy special ticket access and presales to select can't miss moments and events across sports, music, theatre, and more.
Enjoy access to American Express benefits.

Pros, Cons, & Details

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Sephora Credit Card

1.91 out of 5 rating54 Reviews54 User Reviews

3.3WalletHub Rating

WalletHub Rating

3.3

User Reviews

1.9

Market Comparison

3.4

fees: 5.0

rewards: 3.1

cost: 3.4

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→23.24% - 31.99% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

23.24% - 31.99% (V)

annual fee

rewards rate

1 - 4 % in Reward Dollars

Bonus Offer

25% discount + up to $170

Bonus Offer

25% discount + up to $170

minimum credit

Good

WalletHub's Take

Pros

No membership fees
25% discount + up to $170 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 Sephora Credit Card review.

Rewards Details

25% off your first purchase at Sephora when you open and use your card within 30 days of account opening.
Earn a $20 as a Sephora Credit Card Reward when you use your Card to spend $500 outside of Sephora in the first 90 days from approval.
Limited time offer: Earn $150 in credit card rewards when you spend $1,500 on it outside Sephora within 90 days of account opening. Valid through 9/25/2024.
Earn 2x Beauty Insider Points per $1 spent at Sephora.
Earn 4% back in rewards in store or online at Sephora.
Earn 1% back in rewards on purchases outside Sephora.
The current Reward Level is $125.00 Reward Dollars ($125.00 Reward Dollars = $5 Credit Card Reward).

Additional Info

Zero liability.

Pros, Cons, & Details

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Caesars Credit Card

2.51 out of 5 rating39 Reviews39 User Reviews

3.2WalletHub Rating

WalletHub Rating

3.2

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 "Earn Rewards." 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

2.0

User Reviews

2.5

Market Comparison

3.5

fees: 3.8

rewards: 1.7

cost: 4.8

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→23.24% - 32.24% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

23.24% - 32.24% (V)

annual fee

rewards rate

1 - 5 points / $1

Bonus Offer

20,000 points

Bonus Offer

20,000 points

minimum credit

Good

WalletHub's Take: The Caesars Credit Card is a good credit card for people who frequent Caesars Rewards resorts and casinos, such as Caesars Palace, Harrah's, Tropicana, and Four Seasons. It’s worthwhile as long as you pay the bill in full every month, given that it has a $0 annual fee and rewards but also charges a high APR.

Pros

No membership fees
High rewards rate
20,000 points initial rewards bonus

Cons

No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Requires good/excellent credit

Rewards Details

Receive 20,000 Reward Credits® bonus and 2,500 Tier Credits after you spend $2,000 outside of a Caesars Rewards destination in the first 90 days.
Receive additional 15,000 Reward Credits by spending at least $50,000 on your card within 12 months of account opening.
Upgrade to Platinum status by making your first purchase in the first 90 days. Platinum status provides you with: 15% discount at participating casino gift shops, Complimentary valet & self-parking at many destinations, Discounts on select Norwegian Cruise Line® vacations, Discounted rates at Atlantis, Paradise Island in The Bahamas.
Earn an additional 5,000 Tier Credits by spending $5,000 in a calendar year, on your Caesars Credit Card.
5x Reward Credits for every $1 spent at Caesars Rewards resorts and casinos.
2x Reward Credits for every $1 spent on Restaurants, Travel and Entertainment.
1x Reward Credits for every $1 spent everywhere else Visa® is accepted and cash advances.
Your Reward Credits will never expire as long as you earn one Reward Credit once every six months, plus there is no cap on how much you can earn

Additional Info

Zero liability if your card is ever lost or stolen.
Participating Caesars Casinos: Caesars Palace, Cesars, Eldorado, Harrah's, Horseshoe, Tropicana, Flamingo, The Cromwell, The Linq, Paris, Planet Hollywood, Rio, Harveys, CIrcus Circus Reno, Silver Legacy, Grand VictoriaCasino, Lumiere Place, Four Seasons, Baton Rouge, Indiana Grand, Lady Luck, Isle Casino, Eldorado Gaming, Caesars Republic, WSOP, Caesars sports, Isle of Capri

Pros, Cons, & Details

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Ross Credit Card

0 out of 5 rating

3.5WalletHub Rating

WalletHub Rating

3.5

Market Comparison

3.5

fees: 5.0

rewards: 3.3

cost: 3.4

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→32.24%

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

32.24%

annual fee

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.

Pros, Cons, & Details

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Victoria's Secret Mastercard Credit Card

2 out of 5 rating1 Review1 User Review

4.6WalletHub Rating

WalletHub Rating

4.6

Market Comparison

4.6

fees: 5.0

rewards: 4.4

cost: 5.0

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→32.24% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

NFL Extra Points Credit Card

3.12 out of 5 rating292 Reviews292 User Reviews

2.5WalletHub Rating

WalletHub Rating

2.5

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 "Finance New Purchases." 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

4.7

User Reviews

3.1

Market Comparison

2.1

fees: 4.0

rewards: 5.0

cost: 1.4

APR: 2.1

Purchase Intro APR→0%for6 months

Transfer Intro APR→Not Offered

Regular APR→19.24% - 33.24% (V)

Purchase Intro APR

0%for6 months

Transfer Intro APR

Not Offered

Regular APR

19.24% - 33.24% (V)

annual fee

rewards rate

1 - 3 points / $1

Bonus Offer

$100

Bonus Offer

$100

minimum credit

Good

WalletHub's Take

Read our editor's full NFL Extra Points 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.
Get $100 off Sunday Ticket when you apply and are approved between 8/15/24 - 9/18/24. Offer expires 9/30/24.
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 with your NFL Extra Points Visa Credit Card.

Pros, Cons, & Details

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Featured Credit Cards

Ad Disclosure

Upgrade Cash Rewards Visa®

3.29 out of 5 rating236 Reviews236 User Reviews

Apply Now

3.29 out of 5 rating236 Reviews236 User Reviews

4.8WalletHub Rating

WalletHub Rating

4.8

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

4.2

User Reviews

3.2

Market Comparison

5.0

fees: 5.0

rewards: 5.0

cost: 5.0

Other Features: 5.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→14.99% - 29.99%

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

14.99% - 29.99%

annual fee

rewards rate

1.5% Cash Back

minimum credit

Fair

WalletHub's Take: The Upgrade Cash Rewards Card is a good option for people with fair credit who want to borrow money and build credit at a reasonable price. But if you plan to pay your monthly bills in full or you have good-to-excellent credit, there are better, more rewarding options available.

Pros

No membership fees
Qualify with fair credit

Cons

APR up to 29.99%
No grace period

Rewards Details

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Earn 1.5% unlimited cash back on card purchases every time you make a payment
*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

Additional Info

Combine the flexibility of a credit card with the predictability of a personal loan
No annual fee
No touch payments with contactless technology built in
See if you qualify in minutes without hurting your credit score
Great for large purchases with predictable payments you can budget for
Mobile app to access your account anytime, anywhere
Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy

Pros, Cons, & Details

Compare

Capital One SavorOne Cash Rewards Credit Card

3.66 out of 5 rating331 Reviews331 User Reviews

Apply Now

3.66 out of 5 rating331 Reviews331 User Reviews

4.3WalletHub Rating

WalletHub Rating

4.3

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 "Earn Rewards." 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

4.8

User Reviews

3.6

Market Comparison

4.2

fees: 5.0

rewards: 3.9

cost: 4.5

Other Features: 0.0

Purchase Intro APR→0%for15 months

Transfer Intro APR→0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time

Regular APR→19.99% - 29.99% (V)

Purchase Intro APR

0%for15 months

Transfer Intro APR

0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time

Regular APR

19.99% - 29.99% (V)

annual fee

rewards rate

1 - 8% Cash Back

Bonus Offer

$200

Bonus Offer

$200

minimum credit

Good

WalletHub's Take: The Capital One SavorOne card is a good credit card that’s worth it 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. And if you want to cook for yourself, SavorOne has you covered there, too, with 3% cash back at grocery stores. Those earning rates are roughly three times higher than the market average of 1% back, which is what you'll earn on all other purchases.

Pros

Earn $200 initial bonus
High rewards rate
$0 annual fee
0% intro APR on purchases and balance transfers

Cons

High regular APR
Balance transfer fee
Requires good/excellent credit

Rewards Details

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
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% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee

Pros, Cons, & Details

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Wells Fargo Active Cash® Card

3.29 out of 5 rating189 Reviews189 User Reviews

Apply Now

3.29 out of 5 rating189 Reviews189 User Reviews

4.4WalletHub Rating

WalletHub Rating

4.4

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 "Earn Rewards." 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

5.0

User Reviews

3.2

Market Comparison

4.4

fees: 3.8

rewards: 4.7

cost: 4.7

Other Features: 0.0

Purchase Intro APR→0%for12 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, then up to 5% (min $5)

Regular APR→20.24% - 29.99% Variable

Purchase Intro APR

0%for12 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, then up to 5% (min $5)

Regular APR

20.24% - 29.99% Variable

annual fee

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 a good credit card for people with a credit score of 700 or higher who want to earn above-average rewards without any hassle and without paying an annual fee. Wells Fargo Active Cash also is worthwhile for people interested in 0% introductory APRs and getting 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

Select “Apply Now” to take advantage of this specific 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. 20.24%, 25.24%, or 29.99% 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.

Pros, Cons, & Details

Compare

Want more credit card options?WalletHub makes it easy to compare credit card across many companies.

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Comenity Credit Card Reviews

34%

30%

19%

11%

3.6

24,305 reviews

What's Your Rating?

Most Recent

dnealonmcc

September 10, 2024 •

@dnealonmcc

1 Star Rating

They are horrible; I still have to deal with them even after I closed my account because they keep applying a substantial late fee on a zero balance. Their website is not user-friendly, and neither is their customer service; they just repetitively recite policy. Do not engage with the Comenity dance; the 20% is not worth the headaches.

Product: Comenity Credit Cards

Comment

Nicholas Castillo

September 9, 2024 •

@xNickCastil

1 Star Rating

Horrible bank; I just realized there are high fees. Do not bank with this scam institution. They will take all of your money and will not work with you. I do not owe a balance; I am only paying fees from a missed payment by one day. It was a horrible mistake to bank here.

Product: Comenity Credit Cards

Comment

Samantha Ramos

September 9, 2024 •

@samiegirl78

1 Star Rating

Owed a small balance of $7 for an item that was never received. The Torrid credit card charged me a $30 late fee for not paying the amount that was disputed, even after I called them to inform them that I was paying my balance minus the $7. The lady transferred me to escalation, which said I should have paid the $7. I then asked to speak with her supervisor, and she hung up on me. I'm not sure how they do not comprehend that a customer should not pay for something they never received, especially if I was pending credit which was, unfortunately, received after the due date. They can clearly see Torrid issued the credit for the exact amount. I will report them to the FCC and BBB for bad, unethical practices. I spoke to three people prior to my due date, and no one offered to dispute the amount after I informed them of the scenario, only after the fact. Unprofessional!

Product:

Torrid Credit Card

Comment

p l Clark

September 6, 2024 •

@pc4499

1 Star Rating

Horrible customer service! Good luck if you ever need to file a dispute on a charge or purchase. I tried, and it went on for months, and they did absolutely nothing. I called to cancel my card and they just said okay and never asked for a reason. It was a Caesars Rewards credit card with a decent credit limit, but I don't even play at Caesars anymore because of this.

Product: Comenity Credit Cards

Comment

Emily Ro

September 4, 2024 •

@roseyyemily

1 Star Rating

Abhorrent business practices, correspondence, charges, and "customer loyalty" practices. I am a teacher and don't have a lot of money. However, I tend to spend my money wisely. I have been a good, on-time paying customer for years with one of your stores, but they won't be getting much of my business because of this, and I will tell them that. In most cases, I have paid the full balance on store charges. I don't need your card.

I was sold "good deals," "coupons," and "customer perks" that turned out to be nothing but deceptions luring me to subscribe to questionable and insensitive credit services. I truly believe you have financially taken advantage of me, sending a disrespectful letter after I asked for help with fees and charges that far exceeded the initial cost of a few store items. I missed the due date by one day because I was in the hospital, an unusual occurrence for me, and I contacted you right away. Still, the bill was paid in full.

Despite being a day late, I made numerous phone calls trying to get some help with fees and charges, which you've unjustly taken and excessively increased. My messages on the website were ignored and eventually blocked, and you did not close my account. Comenity charged me another fee after I paid the late fee, all amounting to more than 95% of the initial purchase price back in July. Shame on you, Rebecca U., and other 'advocacy managers' associated with Comenity Bank. Shame on all of you for how you treat good, loyal customers who have made a mistake.

P.S. Good customer service does not include blocking a customer's messages after they attempt to find a financial resolution and ask for help multiple times. The letter I received today was really rude. Do not open an account with these unscrupulous individuals! No matter what deal they "offer you" or exaggerated story they provide. I'm warning others out there, please don't sign up with these people or this company for store perks—it's not worth the headaches!

Product: Comenity Credit Cards

Comment

john john

September 4, 2024 •

@JohnFL

1 Star Rating

By far the worst credit card ever. Rewards are terrible, platinum status at Caesars is a joke; you get better deals on Priceline. Literally, all I have gotten from them is a $5 off coupon for the Eiffel Tower. Spend $30k, get $300 in Caesars dining credit, or $150 cash back on gaming. So, your real rewards are 0.5 points for every dollar. And what is really important at Caesars are tier credits, but you cannot earn those anymore since Caesars got bought out. This thing is worthless; you're better off using a debit or prepaid card. Even their statements and website are terrible.

Product:

Caesars Credit Card

Comment

janet Nelson

September 3, 2024 •

@janetenelson5

1 Star Rating

Verified Customer

Horrible. It was very hard to find a way to pay other than automatic payments. I finally found a phone number, but no one answered. A few days later, I was able to speak with someone, but they were not well-trained and were unprofessional. This wrecked my credit score- because of their incompetence.

Product:

Ulta Credit Card

Comment

Cheryl Jones

September 1, 2024 •

@cljones

1 Star Rating

I was a loyal customer of Talbot's for over 30 years. I didn't pay much attention to the interest rate when Talbot's started using Comenity Bank for their store credit card because I always paid off the card in full soon after I purchased items. The rewards and perks of using their card are great - free shipping, discounts, etc. However, I noticed they were charging small "interest fees" the month after I paid off the card. This is Comenity's policy. Then I received an email this year (2024) that they were increasing their interest rate to 35.9% on unpaid balances. I vaguely recall usury laws going into effect many years ago that limited the amount of interest, but apparently, that only applies to loans and there is no limit to what a bank can charge on their credit cards. I think this high of a rate is absolutely unethical and canceled my card immediately. I cannot support a business that misleads its customers like this. I have three issues with Talbots and Comenity: 1) the "junk fee" added the month after your card is paid in full, 2) the exorbitant interest rate, and 3) the delay in posting credits when a purchase is returned. It can take weeks after an email confirming Talbot's received the item before the credit is posted to your card -- I suspect this is planned so they can charge you interest. I will no longer do business with Talbot's until and unless they choose an ethical company to handle their credit cards.

Product:

Talbots Credit Card

Comment

Louise Gardner

August 30, 2024 •

@lingo101

1 Star Rating

They offer great six-month interest-free loans on purchases on some websites. Sounds great, but too good to be true. You make six monthly interest-free payments. Sounds great? Nope, you're socked with accumulated interest at the end. Stay far away.

Product: Comenity Credit Cards

Comment

lauren weber

August 29, 2024 •

@weberlauren747

1 Star Rating

This card is not trustworthy! I opened my account at the end of June, and it is almost September, yet I still have not received my card. I have called twice, and they claim to have sent me cards. They are attempting to charge me late fees for a card I have never even received. I used it once for a $37 purchase, and now they claim I owe them over $90. The representative, Kristine, over the phone, offered to remove the late fee if I kept my account open, but the late fee is still there. I strongly advise against getting this card. It has caused me so much frustration.

Product:

Academy Sports + Outdoors 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.

What Comenity Bank credit cards are easy to get?

Maria Adams, Credit Cards Moderator

@m_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. 33.24% (V) 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. 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.

View more answers

Upvotes

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

Rhonda Stewart, WalletHub Loans Analyst

@rhonda

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).

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...

Upvotes

How can I pay my Comenity Bank credit card?

Maria Adams, Credit Cards Moderator

@m_adams

You can pay yourComenity Bank credit cardbillonline, 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 do I check my Comenity Bank credit card application status?

Evelyn Boros, Credit Cards Moderator

@evelyn_boros

You can only check yourComenity Bank credit cardapplication 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 onComenity's website.

Popular Comenity Bank credit cards and their phone numbers:

Upvotes

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

Bogdan Roberts, Credit Cards Moderator

@bogdan_roberts

You can request a credit limit increase online, through the {Issuer Name} mobile app, or 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 {Issuer Name} has on file. {Issuer Name} will be more likely to increase your credit limit if the revised income...

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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 do I check my Comenity Bank credit card application status?

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

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