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.

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Consumer Rating: 4 / 5
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Credit History Intro APR Purch. (Intro Period) Regular APR Annual Fee
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Credit History Intro APR Purch. (Intro Period) Regular APR Annual Fee
Fair / Good N/A 23.9% $35 - $99*
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Consumer Rating: 4 / 5
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Credit History Intro APR Purch. (Intro Period) Regular APR Annual Fee
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Consumer Rating: 5 / 5
WebBank/Fingerhut Credit Account
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Credit History Intro APR Purch. (Intro Period) Regular APR Annual Fee
Bad n/a See Terms $0
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
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Consumer Rating: 4 / 5
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Credit History Intro APR Purch. (Intro Period) Regular APR Annual Fee
Fair N/A 19.15% - 25.24% Variable $0 - $99
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  • See if you Pre-Qualify in less than 60 seconds
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Consumer Rating: 5 / 5
Horizon Gold
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Credit History Intro APR Purch. (Intro Period) Regular APR Annual Fee
Bad n/a 0.00% See Terms
  • 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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