Other than the ability to earn cash back on all of your purchases and redeem them as statement credit, this card comes with a straightforward design. However, that doesn’t mean the card has nothing else to offer.
As most modern credit cards, the Comenity Mastercard comes with tap to pay technology, and it can also be added to your phone’s e-wallet so you can pay with Apple Pay.
This card comes with zero liability for unauthorized purchases as part of Mastercard’s coverage, and applies to any purchase whether it’s been done in person at a store, online or over the phone.
If your card is ever lost or stolen, you can have access to a replacement card by the next day across the U.S., and within two business days almost anywhere else, so that you always have access to your account when you need it. If you need access to funds earlier than that, you can take advantage of the emergency cash advance feature, generally 15 minutes within the U.S. and one hour almost everywhere else.
Featured Partner Offers
Credit Score
Excellent, Good
Regular APR
19.24% - 29.24% (Variable)
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
Welcome Bonus
Cashback Match™
Credit Score
Excellent/Good
Regular APR
18.24% - 28.24% Variable APR
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
On Chase Bank USA, NA's Website
Welcome Bonus
Up to $300 cash back
Credit Score
Excellent, Good
Regular APR
20.49% - 29.24% Variable
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Earning and Redeeming Rewards
Every time you use your card to make purchases, you will earn an unlimited 1.5% cash back. Your cash back will be applied as a statement credit, and while that doesn’t give you the flexibility to choose what you want to spend your rewards on, it also frees you from trying to find best uses for the rewards you earn.
When redeeming your cash back, make sure to continue making your minimum required payments, it may take up to six business days to post.
From time to time, Comenity may offer bonus cash back for special offers allowing you to earn additional rewards. Terms apply, so make sure to read them as they may contain conditions or limitations like blackout periods, earning caps or any sort of exclusions, as well as other requirements like previous registration to qualify for the special offers.
Rewards Potential
To arrive at this number, Forbes Advisor uses data from various government agencies in order to determine both baseline income and spending averages across various categories. The 70th percentile of wage-earning households brings in $118,438 annually and has $78,893 in standard expenses. Assuming 50% of such expenses are charged to this card, total annual card spending would be $39,545.
The total cash back earned by our sample household would be about $593.18, plus the welcome bonus. Because everyone’s spending patterns differ, we suggest you look at your shopping habits and compare the rewards earned for any card you are considering.
FAQs
Your Comenity Bank credit card could have been closed for various reasons, including the following: Inactivity. Your account was in default. Missed payments.
Is Comenity Bank owned by Capital One? ›
No, Comenity Bank is not owned by Capital One, it is a Bread Financial company that mostly issues store credit cards. Capital One, on the other hand, is one of the biggest banks in the U.S., offering a range of financial products and services, including credit cards, auto loans, and savings accounts.
What credit score do you need for Comenity Bank? ›
The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you'll need a score of about 640 or higher. And since the average person's credit score is about 40 points above that, these cards are well within reach for most of us.
What are 5 things credit card companies don t want you to know? ›
6 Things Credit Card Companies Don't Want You to Know
- 1) Your “fixed rate” isn't set in stone. “Fixed rate” sounds deceptively solid. ...
- 2) The “45 day notice” is misleading. ...
- 3)They profit from your loss. ...
- 4) They're (sometimes) willing to negotiate. ...
- 5) They like to sneak in fees. ...
- 6) They charge merchant processing fees.
The US Federal Depository Insurance Corporation has punished Comenity Bank of Wilmington in Delaware and Comenity Capital Bank of Salt Lake City in Utah for deceptive practices related to the marketing and servicing of credit card "add-on products," in breach of s5 Federal Trade Commission Act.
What is the lawsuit against Comenity Bank? ›
A TCPA class action lawsuit was filed against Comenity Bank—which owns a number of popular store credit cards like Abercrombie and Fitch, Crate & Barrel, Ann Taylor, and Victoria's Secret just to name a few—alleging the bank placed call to consumers' cell phones using an automatic telephone dialing system and/or a ...
Is Comenity Bank owned by Chase? ›
Comenity Bank is a financial services company offering credit cards, personal loans, "buy now, pay later" plans, high-yield savings accounts and certificates of deposit. The bank is a subsidiary of Bread Financial, and you will see the Comenity name on credit cards issued by the bank.
How hard is it to get a Comenity credit card? ›
Cards issued by Comenity Bank are generally easy to get approved for even if your credit score is lower than average.
Does Comenity Bank automatically increase credit limit? ›
Yes, it's possible to get a credit limit increase without asking, typically after 6-12 consecutive months of on-time bill payments with a new credit card account.
What are two things that you should never buy with a credit card? ›
The 5 types of expenses experts say you should never charge on a credit card
- Your monthly rent or mortgage payment. ...
- A large purchase that will wipe out available credit. ...
- Taxes. ...
- Medical bills. ...
- A series of small impulse splurges.
But perhaps Ramsey's most absolute stance is that there is no responsible use of credit cards. There is no reason for anyone to use them. The rewards promised from credit cards are a mirage. You don't need a credit score.
Why are banks suddenly closing customer accounts? ›
If a bank suspects that you've been a victim of identity theft, it may close your account to protect against any further fraudulent activity. This suspicion usually arises during cases such as frequent or significant money transfers or withdrawals.
Why are credit card companies closing my accounts? ›
If you haven't used your card for several months, your credit card issuer may close your account for inactivity. If you aren't using the card, the issuer isn't making any money from "swipe fees" — or the fees it charges merchants when you make a purchase with your card.
Is Comenity Bank still in business? ›
Comenity Bank recently underwent a brand change. It's now Bread Financial, a financial services company offering payment, lending and savings products, among others. That means if you're already a Comenity cardholder, you'll eventually see Bread Financial and its new logo replace the Comenity Bank name and logo.
Has Comenity Bank been breached? ›
Was Comenity Bank hacked? A. No, we did not experience a cyber attack of any kind. The servicing issues we are experiencing are the result of a planned system update.
