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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.
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 review.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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.
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 your:
- Name and residential address
- Social Security number
- Email address, phone number and date of birth
- Financial information such as 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, a Comenity card can help you raise your credit score and they come with no annual fees.
Full list of Comenity credit cards
- Abercrombie & Fitch
- American Home
- American Kennel Club
- Ann Taylor
- Arhaus Archarge
- Ashley Stewart
- Barney’s New York
- Bealls Credit Card
- Bed Bath & Beyond® Mastercard® Credit Card
- Bedford Fair
- Big Lots
- Blue Nile
- Boston Store Credit Card
- Burkes Outlet
- Camping World/Good Sam
- Caesars Rewards Visa® Credit Card
- Chadwicks of Boston
- Children’s Place
- Christopher & Banks
- Colombian Emeralds
- Crate & Barrel
- David’s Bridal
- Draper’s & Damon’s
- Eddie Bauer
- El Dorado Furniture
- Express Next
- Forever 21 Credit Card
- Home & Garden Showplace
- Hot Topic Guest List Credit Card
- IKEA® Visa® credit card
- J.Crew Credit Card
- Jessica London
- Lands’ End
- Lane Bryant Credit Card
- Little Switzerland Jewels
- Marisota From JD Williams
- NY&C (New York & Company)
- Old Pueblo Traders
- Overstock Store Credit Card
- Orbitz Rewards® Visa Card
- Pottery Barn credit card
- Restoration Hardware
- Smile Generation Financial
- Sportman’s Guide
- Stage Stores
- Tile Shop
- Tog Shop
- Total Rewards
- Trek Bikes
- True Value
- Victoria’s Secret Angel Card
- West Elm
- Winter Silks
- Woman Within
- Ulta Beauty
- Z Gallerie
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.
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 cobranded 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.
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