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Comenity credit cards: Which one is best for you?
Find a store credit card to help you earn rewards at your favorite stores.
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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.
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.
- 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?
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
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.
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.
Images: Comenity Bank
Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.
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