Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Comenity credit cards: Which one is best for you?

Find a store credit card to help you earn rewards at your favorite stores.

No reviews yet. Write a review

Compare store cards issued by Comenity

Use our table to browse all Comenity-issued cards. You can compare them in terms of rewards, annual fee and interest rates. If you want to know more about each card, check out our unbiased review.

Name Product Filter values Rewards Purchase APR Annual fee
Forever 21 Credit Card
3x points in store and online at Forever 21
26.99% variable
$0
Earn a $5 rewards certificate for every 300 points earned.
Hot Topic Guest List Credit Card
1x points at Hot Topic
24.99% variable
$0
Get 15% off your first purchase and earn 1x points on all Hot Topic purchases.
Overstock Store Credit Card
N/A
26.99% variable
$0
$30 off when you spend over $300 on your first order without special financing
loading

Compare up to 4 providers

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. It may just be the company behind your next favorite card.

How to apply for a Comenity credit card

To apply for a Comenity card, visit the Comenity website and click Apply now.

Eligibility criteria

  • Must be at least 18 years old.
  • Must have a residential US address.

Information you’ll need

To complete the application, provide the following information:

  • Your name and residential address.
  • Your Social Security number.
  • Your email address, phone number and date of birth.
  • Financial information like your annual income and income source.

Types of a Comenity credit cards

Comenity mostly focuses on store credit cards, adding a smattering of cards in the medical, education, hotel, auto and financial industries. Most of them can’t be used outside the store, but those that are Visa or Mastercard can be used everywhere.

Comenity Bank offers only one cashback card, which is on par with similar card products offered by large banks, such as Amex or Capital One. Unfortunately, you won’t find balance transfer cards, travel cards or student cards.

Standout benefits of a Comenity card

  • Store cards. Most Comenity cards are store cards, meaning all rewards you earn with these cards apply only to the specific store. Aside from rewards, most of these cards come with additional benefits at the store, such as special deals and discounts. Keep in mind, some store cards can’t be used outside the store to buy groceries, gas or make travel purchases.
  • Cashback card. The single Comenity Bank cashback product earns unlimited 1.5% back on all purchases, which is in line with competitor cards from American Express, Capital One and Wells Fargo.

Who can apply for a Comenity card?

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

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

Full list of Comenity credit cards

Bottom line

Comenity is a big player in store credit cards. If you’ve ever applied for a store credit card, you might have interacted with the company in some way or another. It may very well be your next store-card provider.

If you’re not sure whether a Comenity product is right for you, compare other store cards or other rewards cards to find the right choice for your financial situation.

Frequently asked questions

How does Comenity keep my credit card information secure?
Its Account Protection team monitors accounts 24/7 and will notify you if it spots unusual activity on your account. Comenity uses Secure Socket Layer (SSL) software to encrypt your data. It also uses a digital certificate so you can be sure you’re interacting with the real Comenity website and not a third-party site.

Can I use a Comenity store credit card outside of the retailer it’s issued for?
Typically, no. But if your card is co-branded with a payment network like Visa or Mastercard, you may be able to use it outside of the retailer it’s issued for.

Why don’t I need an excellent credit score to apply for a Comenity store card?
Most retailers approve cardholders who have at least a fair credit score to encourage shopping at their stores. This means they’re usually more lenient on extending credit.

I have a specific question about my Comenity card. Who do I call?
Call the number on the back of your card and have your account number ready. You’ll also find a customer service line on your billing statement.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

2 Responses

    Default Gravatar
    BrunaSeptember 11, 2018

    I would like to be contacted by a Comenity Customer Service. I have a statement from my Bank and I see a big amount withdrawn from my checking account on 08/02/2018, and I would like to know more and what it is referred to……Comenity has my phone number.Thank you.

      Avatarfinder Customer Care
      johnbasanesSeptember 11, 2018Staff

      Hi Bruna,

      Thank you for leaving a question.

      You have reached finder, we are a comparison website that assists users with questions regarding the contents of our pages. If you need to contact Comenity customer service, you may call them at 1-800-675-5685 or the contact details on the bank statement that you received. Hope this helps!

      Cheers,
      Reggie

Go to site