What is Comenity — and what does it have to do with my credit card?

What is Comenity — and what does it have to do with my credit card?

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This company is behind the top store cards held by more than 50 million Americans.

You’re on your computer applying for a store credit card. Suddenly, you’re taken to the website of a company called Comenity. What’s that all about?

Don’t be alarmed: Comenity is a financial services company that helps retailers produce one-of-a-kind credit cards. It’s the issuing bank behind more than 150 products that include the Forever 21 Credit Card and the Hot Topic Guest List Credit Card.

In fact, if you’re ever offered a store credit card, you may indirectly come into contact with Comenity. It’s been around for 30 years and boasts 50 million customers. And it may be the company behind your next favorite card.

Compare store cards issued by Comenity

Rates last updated April 27th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Forever 21 Credit Card
27.99% variable
$0
$5 rewards certificate for every 300 points earned. Double Points events throughout the year at Forever 21.
Hot Topic Guest List Credit Card
25.99% variable
$0
15% off your first purchase. 1 point/$1 spent. VIP** status when you reach 500 points.
Overstock Store Credit Card
28.24% variable
$0
6, 12, 18, and 24-month financing options available and special promotions just for cardmembers.
Boston Store Credit Card
25.99% variable
$0
Earn a $20 Rewards Card for every $200 spent. Spend $200 and earn two $20 Rewards Cards when you shop in store and online.
Bealls Credit Card
27.99% variable
$0
$5 Payback Reward* for every $100 spent with any form of payment — use in store or online!
Goody's Credit Card
27.99% variable
$0
$5 Payback Reward* for every $100 spent with any form of payment — use in store or online!
Lane Bryant Credit Card
27.99% variable
$0
Earn 2 points for every $1 you spend. Score a REWARD for every 400 points.

Compare up to 4 providers

Comenity offers a specific type of credit card

The credit card market is big, offering products specifically for balance transfers, rewards, low APR and more.

Comenity mostly focuses on store credit cards, adding a smattering of cards in the medical, education, hotel, auto and financial industries.

Here’s just a small list of stores with Comenity cards:

Who can apply for a Comenity card?

Comenity cards are typically more accessible than other unsecured credit cards. For example, other cards can require a good credit score or higher, but you can often get a Comenity product with fair credit.

Beyond making it more fun to shop at your favorite store, your new Comenity card can help you raise your credit score. And to sweeten the deal, many Comenity cards come with no annual fees.

What a Comenity credit card offers

You’ll find common store-specific perks with each Comenity card:

  • First-time discount. When you apply for the credit card, you’ll get a percentage — sometimes 15% or more — off your purchase.
  • Rewards for collecting points. Earn a certificate — typically $5 or $10 — to spend with the retailer by collecting points with each purchase you put on your card.
  • Annual bonuses. Receive exclusive offers on your birthday or during special events.

A retailer may offer additional benefits with its card, such as free shipping or a dedicated customer service phone line.

How to apply for a Comenity credit card

Comenity doesn’t publish a list of credit cards on its website. But if you know a store that offers a card, you can search for it at the Comenity website.

Alternatively, you can find a credit card application directly on your favorite retailer’s website.

Bottom line

You might be surprised the first time you come across Comenity. But it’s a legitimate company that powers the store cards of some of the largest brands in the world.

Comenity’s products are usually easier to obtain than other credit cards, as they’re mostly store cards. And like a secured card, they can help you build your credit.

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