Complete List of 163 Comenity Bank Store Credit Cards [Includes Easy Approval Cards]

Comenity Bank Logo

Full Disclosure: We may be compensated when you click on links to credit card products from our advertising partners, such as American Express, Chase & Barclays. Opinions on this site are ours alone, and have not been reviewed or approved by the issuer. See our Advertiser Disclosure for more details. Thanks!

Comenity Bank is a major credit card company that has 125 credit programs for many top U.S. retail stores, focusing heavily on store-branded credit cards.

While Comenity Bank isn’t a household name like some other credit card companies, they have more than 50 million cardholders.

Cards issued by Comenity Bank are generally easy to get approved for even if your credit score is lower than average. Easy approval can be attractive if you’re working on building or repairing your credit.

You can obtain some Comenity Bank cards without a hard pull on your credit report, which significantly increases your chances of approval. Known as the shopping cart trick, a credit card offer from Comenity Bank may pop up with an incentive to apply as you’re online shopping with a retailer partnered with the bank.

The trick to getting the offer is to not opt out of promotional credit card offers and ensure that your pop-up blocker is turned off. If the offer requires you to input your full Social Security number, it will likely result in a hard pull on your credit report. If it asks for just the last 4 digits, it is less likely to result in a hard pull.

Comenity Bank offers lots of different credit cards, mostly stored-branded cards, that may offer easy approvals without a hard pull on your credit report using the shopping cart trick.

While Comenity Bank’s cards don’t typically offer large sign-up bonuses, they tailor their rewards programs and bonuses specifically for the customers of their retail partners. If they issue a card for a store you shop at frequently, their credit card rewards program is worth the look.

Note: Many of these cards charge extremely high interest rates. If 0% Intro APR cards for up to 15 months are of interest to you, we’ve compiled a list of cards which are generally more rewarding than the store credit cards listed below. There are also options for fast approvals that also have superior rewards, if time is a factor.

Comenity Bank’s Credit Cards

Most credit cards offered by Comenity Bank are designed for frequent shoppers at targeted stores. Most of these cards are tied to store-specific rewards programs but provide extra benefits for using the card and rewards program perks for regular shoppers.

Comenity Bank store credit cards

Comenity Bank Medical Credit Cards

Comenity Bank Education Credit Cards

Comenity Bank Hotel Credit Cards

Comenity Bank Auto Credit Cards

Comenity Bank Miscellaneous Credit Cards

Best Comenity Bank Credit Cards

Comenity offers so many different credit cards, but we’ve narrowed it down to the top 3 cards that offer the best rewards for travelers and everyday spenders.

BJs Credit Card

BJs is a wholesale membership store that sells just about everything, including gas. Using the BJs credit card, you earn 5% back on most in-store and online purchases, and you don’t need a membership for online orders.

The 5% back is tied to My BJ’s Perks program and dispersed in $20 increments. You must use rewards at BJ’s within 6 months of being issued.

You’ll save 10 cents per gallon when using the card for BJ’s gas, and 2% back at non-BJ’s gas locations. Another bonus for use outside of BJ’s is the 2% back on all dining purchases and 1% back on all other purchases.

Hot Tip: This card offers great earning rates, especially if you shop and get gas at BJ’s, It also provides some nice offers for purchases outside of the store. These rewards are still tied to the My BJ’s Perks program, so make sure you’re able to use them at the store before they expire.

Orbitz Rewards Visa Card

The Orbitz Rewards Visa Card is a good choice for a travel-earning credit card. This card is linked with Orbitz Rewards Orbucks, which you can redeem for $1 per Orbuck for hotel bookings on Orbitz.

This card earns a bonus 5% on all Orbitz bookings, which can earn up to 10% back in rewards. All Orbitz Rewards members earn 1% for flights booked on Orbitz, but using this card adds an extra 5% to earn 6% back on airfare booked on Orbitz.

Orbitz Rewards
Image courtesy of Orbitz.

Hotels have the highest earning rates, raking in 10% in Orbucks when you use the card to book hotels on the Orbitz mobile app and 8% when booking on a desktop. These earning rates make the Orbitz Rewards Visa Card great to use for hotels where you can’t earn hotel branded points.

If you can’t live without hotel loyalty status, this card gives you instant Orbitz Gold status. This status offers free Wi-Fi, breakfast, and waived resort fees at select VIP Hotels.

Orbitz automatically enrolls cardholders in their dining rewards program, which gives 7% back on select restaurants, bars, and nightclubs.

This card earns 2% back in Orbucks on all other purchases and offers a $100 statement credit when you spend $1,500 in the first 90 days of account opening.

Bottom Line: The earnings potential with no annual fee makes the Orbitz Rewards Visa Card a great choice for travelers who aren’t loyal to hotel brands.

Fuel Rewards Mastercard

The Fuel Rewards Mastercard earns gas rewards that you can redeem at Shell gas stations. With many locations nationwide, this card can save when you fill up your tank.

For every $100 spent at participating grocery stores like Kroger and Food for Less or online through, you will earn 25 cents off per gallon (up to 20 gallons per reward).

Shell Fuel Rewards
Image courtesy of

For every $100 spent at non-participating grocery stores, on dining, travel, or home improvements, you will earn 10 cents off per gallon. All non-bonus category purchases offer a 5 cents off per gallon reward for every $100 spent.

IHG Rewards Club members can register their account with Fuel Rewards and save up to an additional 7 cents per gallon on every fill-up depending on your IHG status. IHG Credit Cardholders automatically earn Platinum status, which will give you 6 cents off per gallon.

Comenity Bank’s Most Popular Credit Cards

Now that we’ve highlighted the top 3 credit cards from Comenity Bank, let’s take a look at some of the other popular cards they offer to see if your favorite store made the list.

Ann Taylor Mastercard

Ann Taylor is a women’s retail store under the Ann Inc. umbrella of stores, which includes LOFT, Ann Taylor Factory Store, LOFT Outlet, and Lou & Grey.

The Ann Taylor Mastercard earns 5 rewards points per dollar spent with Ann Inc. stores. For every 2,000 rewards points or $400 spent online or in-store, you’ll get rewarded with a $20 rewards card (5% back).

Ann Taylor Store
Photo Credit: The Gardens Mall

Your first purchase made outside the Ann Inc. family will also trigger a $20 rewards card. Use this card at grocery stores and gas stations to earn 2 rewards points per dollar spent.

You will earn 15% off your first purchase if you open your account in-store or online at any Ann Taylor or LOFT store and 15% off purchases made on the first Tuesday of the month at those same locations. To top it off, you’ll receive a $15 birthday gift each year.

Bealls Florida

Bealls is a department store founded in Flordia. It has expanded to include Bealls Outlet Stores and a specialty store, Bunulu.

The Bealls Florida card earns 1 point per dollar spent in the Bealls Florida Rewards Program. For every 200 points you earn, you earn a $10 reward, which comes out to 5% back.

You can shop online and receive free standard shipping when using your card. Cardholders will earn Gold Customer status after spending $500 or more in a year, which offers more benefits for shopping at Bealls. You’ll also earn a birthday bonus.

Big Lots Credit Card

The Big Lots Card doesn’t come with a rewards program, and it has no annual fee. The card does come with a pretty high interest rate, but regularly offers special promotional financing.

Big Lots promotional financing options can include waived or deferred interest plans, lower APR rates, and lower payments. Be aware of the deadline for deferred interest options, as you must pay the balance in full at the end of your plan or all the interest waived during the promotional period will be applied.

(If you’re looking for cards that have 0% APR for up to 18 months, we’ve covered that also!)

Brylanehome Platinum Card

Brylanehome is a home goods store, selling home decor and indoor and outdoor furniture. The Brylanehome Platinum Card is tied to the Brylanehome rewards program and earns 2 points per dollar spent at all FULLBEAUTY brands, which include Brylanehome, Woman Within, and Roaman’s.

For every 400 points earned, you receive a $10 reward certificate (5% back). You’ll receive a 20% certificate on your birthday and earn double points on every order in your birthday month. This card offers a buy now, pay later option and gives you free shipping on 4 orders over $99 per year.

Buckle Credit Card

Buckle is a clothing store for men and women, selling brand-name clothes, footwear, and accessories as well as items from the Buckle private line.

The Buckle Credit Card offers 10% off your first purchase, but only earns 1 point per dollar spent in their rewards program. For every 300 points earned in select earning periods, you earn a $10 B-Rewards card that expires within 5-7 weeks depending on your status.

Catherines Credit Card

Catherines is a plus-size clothing store for women. The Catherines Credit Card offers bonus credit discount days throughout the year, a special coupon on your birthday, and additional bonus offers in your statement.

Cardholders get access to cardholder-only previews of new collections and can use the card’s app! Catherines has a $25 yearly membership rewards program you can use to save an additional 10% off every purchase.

David’s Bridal Credit Card

David’s Bridal is the largest U.S. bridal store chain specializing in wedding gowns, prom dresses, and other formal wear. The David’s Bridal Credit Card offers advance notice of sales and special offers, including previews and early access to new seasonal looks.

This card normally comes with a very high interest rate, but can offer special financing options to help reduce that cost. Plus, it comes with no annual fee.

Gamestop Credit Card

Gamestop is a popular video game store with locations worldwide. In addition to games, the store sells electronics and wireless services. The Gamestop Credit Card offers a signup bonus of 5,000 points (15,000 if you’re a PowerUp Rewards Pro member) after your first purchase.

You earn 10 points per dollar spent and can redeem these points for reward certificates in $5, $10, and $15 increments.

The PowerUp Rewards Pro membership is $14.99 annually and offers exclusive discounts and promotional offers to help you save and earn more points.

Goody’s Credit Card

Goody’s is a department store chain owned and operated by Stage Stores. The Goody’s Credit Card offers exclusive coupons for cardmembers and automatic enrollment in their Style Circle Rewards program.

Rewards members earn a $5 payback reward for every $100 spent in-store or online. You also are rewarded with a $10 payback reward for your birthday and a $5 payback reward over the holidays every year.

Gordmans Credit Card

Gordmans is a chain of discount department stores located throughout the Midwest. The Gordmans Credit Card offers 10% off your first purchase using the card and special monthly discounts and coupons.

There are no membership or annual fees, and you get advance notice of special events and promotions.

Hot Topic Credit Card

Hot Topic specializes in music and pop culture fashion. The Hot Topic Guest List Credit Card offers 15% off your first purchase and exclusive offers for Guest List members. Cardmembers will also receive two $20 off $50 shopping pass each year.

Roaman’s Credit Card

Roman’s is a plus-sized fashion retail store in the FULLBEAUTY brand along with Brylanehome. The Roaman’s Credit Card comes with the same exact benefits as the Brylanehome Platinum Card, which earns $10 rewards for every 400 points, special birthday offers, and 4 free shipping promotions annually.

Torrid Credit Card

Torrid, formerly owned by Hot Topic, is fashion store specializing in women’s plus-sized clothing. The Torrid Credit Card beats the credit card offered by Hot Topic, giving you a $20 welcome offer and 15% off your first purchase. This card shares 2 30% off passes each year, which could offer a significant dollar discount depending on how much you spend.

Victoria’s Secret Angel Credit Card

Victoria’s Secret is an American designer of women’s premium lingerie, womenswear, and beauty products. The Victoria’s Secret Angel Credit Card is tied to their rewards program, which offers a $10 or $15 reward for every 250 points earned. You will earn 1 point per dollar spent on all Victoria’s Secret purchases.

This card offers 3x points on all eligible bra purchases, an annual birthday gift and provides insider access and invitations to events throughout the year. You will receive exclusive reward offers just for cardmembers and free shipping on all orders that include bras when using the JUST4ANGELS promo code and your Victoria’s Secret Angel Credit Card.

Younkers Credit Card

Younkers is an American department store chain that sells name-brand goods ranging from clothing to furniture. The Younkers Credit Card offers a $20 rewards card for every $200 spent on the card, giving you 10% back.

Your points will carry over year-to-year, and you will receive a special birthday offer. The Younkers rewards program provides special Elite benefits to rewards members who spend $500 in a calendar year and even better VIP benefits for spending $1,500 in a calendar year.

Comenity Bank Cards with Easy Approval

The Comenity Bank credit cards with the highest rate of approval are those that can be applied using the shopping cart trick. Again, this trick occurs when a credit card offer will pop up as you shop online with certain stores. It does not require you to enter your full Social Security number in the application process, which will not result in a hard pull on your credit report.

Being approved for a credit card will add a new account to your credit report, but using this method will increase your chances of being approved.

The most popular stores for using the shopping cart trick are Victoria’s Secret and Overstock. If you have a specific card you want, it’s worth trying the shopping cart trick a few times to see if it works for that particular store. This trick has also been known to work at Buckle and Express.

Easy Credit Cards To Get (Bad or No Credit)

Final Thoughts

Comenity Bank offers a lot in terms of quantity, with a wide range of store-branded cards specifically targeting and benefiting loyal retail customers. The rewards offered by these cards don’t come close to the value that popular travel rewards credit cards provide, but they can provide value if you can utilize their specific reward programs.

The best thing about Comenity Bank is their credit cards generally offer easy approvals. Easy approvals can help people working on rebuilding their credit, or just getting started in building their credit. The shopping cart trick can be used to avoid additional hard pulls on your credit when you apply for additional credit cards.


Who Is Comenity Bank?

Comenity Bank is a major credit card company that focuses heavily on store-branded credit cards. In fact, they currently have partnerships with over 125 credit programs for many top U.S. retail stores.

How can I contact Comenity Bank?

Comenity recommends calling the phone number on the back of your credit card to connect you with an appropriate representative. However, if you do not have a Comenity Bank card, you can reach general customer service online, or by phone at 1-800-675-5685.

Does Comenity Bank report to credit bureaus?

Yes, the bank reports to the three main credit bureaus: Equifax, Experian, and TransUnion. Reporting is usually done once every 30 days, the exact date corresponding to a specific point in your billing cycle.

Is it easy to get approved for a Comenity Bank credit card?

In general, it’s fairly easy to get approved for a Comenity Bank-backed card. Keep in mind each retailer may be slightly different, but many cardholders have reported approval with a credit score in the fair range.

Does Comenity Bank have an app?

Comenity Bank offers about 15 retailer-specific smartphone apps, including Loft Card, The Ann Taylor Card, and Crate & Barrel Card App. You can find a more comprehensive list of Comenity Bank iPhone apps here.


Chase Sapphire Preferred® Card

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. Charlette F Mellor · January 15, 2018 · Reply

    I am thinking of applying for a BLAIR credit card because they have some items that I like. I do not have the world’s best credit but it is not the worst either. I appreciate the information found on this website about Comenity Bank.

  2. Rachael H Green · January 23, 2018 · Reply

    Comenity Banks has been a Blessing for my credit. In July of last year, I started with Bealls Outlet. My credit score was only 545. When I heard about the shopping cart trick, I tried it and it worked!! First Victoria Secrets then Overstock. Both with limits of 250. I eventually kept trying and now have Bealls/Florida, Kingsize, Romans, Ann Taylor, Coldwater Creek, Goodys, Abercrombie, Boscovs, Express, Brylane Home,Lane Bryant, Pier , Williams Sonoma and Blair….. Some of these cards I will never use. But for the ones I do, my limit has tripled in the 7 months I’ve had them. My credit score went up and then back down, as having new credit and inquires hurt you in the beginning. I’ve been in between 545 and 630. My score for Blair was on a down side, around 588. Good Luck…

  3. sue smith · January 29, 2018 · Reply

    Comenity has been a rip off for me. This company charges OUTRAGEOUS fees, even when a billing is in error, NASTY customer service reps and they will try to ruin your credit, even when they and their partners make the billing mistake themselves! STAY FAR AWAY = do not use any store’s credit card that uses Comenity.

    • Melissa · April 18, 2018 · Reply

      I completely agree with this statement. I have reviewed all the companies that Comenity is associated with and cancelled the two credit cards I have on their list. I take pride in my credit rating and this company is a joke. I will never shop anywhere they are associate with – ridiculous company and practices. Stay away.

      • Claudine · September 3, 2018 · Reply

        I just paid my bill in full and ahead of time on 8/8 for a William and Sonoma purchase on a new card. Comenity Bank called us at 8 am today – Labor Day – about my unpaid statement and trying to collect late fees. I HAVE TO CANCEL THIS CARD! Any suggestions welcome. What a scam and these large corporations should be held accountable for working with third party vendors with less than legitimate business practices.

    • I completely agree. I have been a customer of Williams-Sonoma for over 35 years. I just cancelled my credit card due to customer service and billing fee mistakes. I am also going to cancel my Pottery Barn card. Makes me unsure about ever shopping at Williams-Sonoma again which makes me sad.

    • Sharon R Sazama · September 18, 2018 · Reply

      I agree. The customer service is bad. They act like they don’t care about you or themselves. I never missed a payment and always payed more. I received a letter saying they were lowering my limit. I called customer service to ask why and they said, “oh”. Can you believe it? That was it. Unbelievable!

    • These are for people who are trying to build their credit. Maybe YOU should stay away sue smith.

  4. Mia Dennis · February 2, 2018 · Reply

    Comenity bank has been outstanding in their customer service and all areas. I highly recommend Comenity Bank

    • I have been very satisfied with Comenity Bank. They have helped me establish and improve my credit score.

  5. Renee Willis · February 21, 2018 · Reply

    I applied and was approved for a New York and Company Card with a limit of 400. Was going to purchase from Pier 1 on line and a pre-approval popped up. I was surprised with a healthy limit. I noticed that this card was also from Comenity so I came onto this site to check to see the sister cards. No problems for me thank goodness.

  6. I have used the pop offers and have had great luck. These accounts are my favorite and I have not had any problems with their customer service.

  7. Justin Holzer · March 11, 2018 · Reply

    Trying to verify whether My Samlevin account is still open or closed. If open I need to update my information. If it is closed then i need you to report that to the credit bureaus. My Name is Justin Holzer. I will provide additional info to locate my account after being contacted by a service rep.

  8. Melisa Toth · April 17, 2018 · Reply

    I found out through credit karma that I have an account with Comenity Bank. Opened Dec 2017. I do not who they are or with who it is with. I don’t receive anything from them and I don’t have a credit card from them. How can I find out who this account is for?

  9. Where were you Comenity Bank years ago when I was struggling to assemble a credit profile, lol? You are just a Godsend to the various communities. I have assembled a number of helpful accounts and I have a perfect payment on time history. Prior to my retirement I was in a high cash flow business and I had no need for credit of any kind. If there are any individuals viewing this posting, use the resources here and carefully plan out your credit profile and MAKE YOUR PAYMENTS ON TIME, and all will be well.

  10. Melisa Toth · April 17, 2018 · Reply

    Thank you. I will after work if I can find the telephone number. I’m sure online.

  11. Louise Joseph · April 18, 2018 · Reply

    Several months ago I opened an account with J. Jill. Since then I have recently attempted to set up an online payment account. No one actually responds to my repeated request to contact me by email or telephone.
    Instead I am advised via email to go to your website where, at first, I was told that a text message was sent to my phone. I replied that I do not text; please email or phone. I have now received multiples of this message. Comenity phone number poster for your very poor customer service is “no longer in service”. You have continued to waste my time. I will be cancelling my charge account with J.Jill.

  12. Robin A Lancaster · May 7, 2018 · Reply

    The best credit card ever – I recommend them to everyone. All I needed was a break and they gave it to me.

  13. Comenity Bank has wonderful Rep Service I have enjoyed them I would recommend any and everyone to give them a try.

  14. Danielle · October 20, 2018 · Reply

    I have a Victoria’s Secret and Ashley Stewart card and got approved easily but when I tried to apply a couple months later with New York and company it said they needed to further review my application and I will hear back with in 10 days. Most retailers, this is a denial and they send you a letter. Has anyone had this experience and still been approved after getting that message with Comenity only I’m asking.

  15. Ciara Duncan · October 23, 2018 · Reply

    I don’t understand where all the problems are coming from. I have set up auto pay, my monthly minimum comes out so I never forget and I can go in and pay more. I have never had a problem with customer service. Maybe it has a bit to do with attitude. Comenity has really helped me. Thank you Comenity.

  16. Have you heard anything from your 10 day review? I got approved for several but this one in particular stated the same as you commented. I’m still waiting for the decision in the mail.

    • Hi Latanya – we are a travel blog and have no affiliation with Comenity or any of these stores. Please contact Comenity directly to resolve this. Thank you

  17. Ellen Adams · November 16, 2018 · Reply

    The one thing I find extremely annoying about this bank is that they will close your account and NOT tell you about it, reduce your credit limit and you don’t find out about it until AFTER the fact, and then they have people in customer service who, upon hearing your objections, can only say, “the bank reserves the right to close an account if you haven’t used it, and this prevents fraud.” REALLY? Closed accounts wreak havoc on credit scores. They have a monopoly on department store accounts, and they are quick to approve you but, if you don’t have a ton of activity, they think nothing of reducing your credit limit to some ridiculous level and not sending any notification at all. What are you going to do with a measly $100 credit limit in Pier 1, West Elm, or Restoration Hardware???? ARE YOU KIDDING ME?????

Leave a comment

Your email address will not be published.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. For more information on our advertisers, see here.