Comenity Bank

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You may not know but the chances are you already have a Comenity Bank credit card in your pocket. Comenity® is one of the major issuers of co-branded and store credit cards in the U.S. The bank issues such cards like Victoria’s Secret credit card, Total Rewards card and many, many others. Your store card can also be issued and serviced by Comenity. Credit cards issued by Comenity Bank can be for in-store use only, or may be used everywhere like regular cards.

BEST ALTERNATIVES TO COMENITY BANK CREDIT CARDS
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Capital One® Platinum Credit Card
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Pay no annual fee

Get access to a higher credit line after making your first 5 monthly payments on time

 
Consumer Rating: 5 / 5
CARD for LIMITED/NO CREDIT
Emporium Preferred Account
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Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.

 
Consumer Rating: 4 / 5
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APR Annual Fee Activation Fee Instant Response
15.65% - 24.15% Variable $0 - $99 See terms No
  • All the bonus features you want in a credit card are included. Get 1% cash back on eligible purchases (terms apply). Track your progress over time with free online monthly credit score tracking. And, receive credit line increase opportunities.
  • 24/7 fraud monitoring on every purchase for you protection. Rest easy knowing you won´t be responsible for unauthorized charges.
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  • Set up custom email or text alerts, so you´ll always be aware of your payment due date, when your payment posts, or if your available balance runs low.
  • Choose your card design from our premium gallery, a fee may apply.
 
Consumer Rating: 5 / 5
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APR Annual Fee Activation Fee Instant Response
23.9% $35 - $99* See Terms Yes
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
 
Consumer Rating: 4 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
APR Annual Fee Activation Fee Instant Response
15.65% - 24.15% Variable $0 - $99 See terms No
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
 
Consumer Rating: 5 / 5
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APR Annual Fee Activation Fee Instant Response
14.99%, 19.99% or 24.99%* Variable $0 See terms No
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 14.99%, 19.99% or 24.99%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
 
Consumer Rating: 5 / 5
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APR Annual Fee Activation Fee Instant Response
0.00% See Terms See Terms Yes
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
 
Consumer Rating: 4 / 5
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Comenity Bank Credit Cards

Comenity is one company under which two banks operate: Comenity Bank and Comenity Capital Bank. These two banks are former World Financial Network National Bank (WFNNB) and World Financial Capital Bank (WFCB), respectively. Both banks build credit card programs for many top U.S. retailers to offer store credit cards to their consumers.

Comenity credit card programs are designed to improve consumer experience with brands they love. Comenity Bank provides services to make the account management easy. The bank provides online account access and different payment options. Also, if you need an additional card or a replacement card, the bank will issue a new card for free.

Most Comenity credit cards are store credit cards and as a result are not accepted outside a particular retailer. However, Comenity issues Visa credit cards and MasterCard cards as well. These cards can be used everywhere and not only at a particular retailer.
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