Comenity credit cards: Which one is best for you?

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.

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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	View details	Earn a $5 rewards certificate for every 300 points earned.	Compare	loading Fetching your data...
Hot Topic Guest List Credit Card			1x points at Hot Topic	24.99% variable	$0	View details	Get 15% off your first purchase and earn 1x points on all Hot Topic purchases.	Compare	loading Fetching your data...
Overstock Store Credit Card			N/A	26.99% variable	$0	View details	$30 off when you spend over $300 on your first order without special financing	Compare	loading Fetching your data...

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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.

Eligibility criteria

• 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?

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, a Comenity card can help you raise your credit score and they 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.

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 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.