Complete List of 93 Comenity Bank Store Credit Cards in 2021 [Includes Easy Approval Cards]

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Comenity Bank is a major credit card company that has 93 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 2 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 at, 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 Credit: 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.

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
Image 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 Credit Card

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.

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.

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

Roaman’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 a 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.

Wayfair Credit Card

Wayfair is an e-commerce retailer that sells furniture and other home goods. You can use the Wayfair card at Wayfair and the Wayfair family of brands, including Joss & Main, AllModern, Birch Lane, and Perigold.

In terms of cardholder benefits, you can shop online and receive free standard shipping any time you use your card. You can also earn an introductory offer for $40 off your first order when you spend over $250 (without taking part in the special financing promotion). Cardmembers can choose between earning 3% back in rewards or taking advantage of special financing.

If payments are missed, this card does come with the potential for high fees due to the high APR and deferred interest, but if you pay off your balance during the promotional time period, this card could be a good choice for those with fair credit and above. The Wayfair Credit Card doesn’t have an annual fee.

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)

Credit One Bank® Platinum Visa® for Rebuilding Credit - Get 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services, terms apply. Poor to Fair Credit Recommended (300+ credit score).
Indigo® Platinum Mastercard® - Pre-qualification available with no impact to your credit score. Previous bankruptcy is OK. Poor to Fair Credit Recommended (300+ credit score).

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.

Lastly, don’t miss our dedicated article on the 10+ Easiest Credit Cards to Get Approved For!

Frequently asked questions

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.

Alex Miller

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned millions of travel points and miles, mainly through maximizing credit card sign-up bonuses and taking every opportunity to earn the most points possible on each dollar spent.

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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

    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.


    • Is there other places I can use the ny&co rewards credit card.


    • Stay away…FAR AWAY from comenity bank!


        • if they detect fraud they shut down all your accounts and ask for verification of identity and even if you get them all the info they need they don’t have to reopen any of your cards.


        • They want you to keep a high balance, whenever you pay it down they lower your limit, destroying your credit score in the process, then they use the lowered score that they caused as an excuse to keep lowering your limit as you pay off your balance and your score keeps dropping. They are a total fraud!


          • Yes! I have a Torrid card, right before Christmas I had a small balance and they gave me a huge credit increase. I didn’t use it so they dropped it drastically which gave me a 60 pt hit on my credit. I hate this bank.

          • They just did that to me. I paid down $400 on a credit card and they immediately lowered my limit by $400 afterward. It took down my score by 30 points!

        • They also close your account for inactivity without contacting you and do soft credit checks on you throughout the time you are a card holder without your knowledge or consent.


  2. Rachael H Green January 23, 2018

    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…


    • What’s the shopping cart trick?


      • Joy if you’re looking for info on the shopping cart trick it’s on YouTube.
        It works. I’ve been approved for an Express credit card with a 25k limit & I been approved for a Full Beauty credit card for 250 bucks! Good luck!


        • A lot of people have experienced this error, unfortunately… When you apply online for Express, it adds a few zeros to the starting limit. So your limit is actually $250 which will show when you receive the card. They are aware of this error. The highest credit line they offer for Express Next is $5,000.00. Sorry to be a debbie downer!


  3. 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.


    • 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.


      • 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.


        • Claudine, I did the same thing when I first opened my account; I made a payment before the card cycled, (before the bill was sent). I try to keep close track of my credit and when I discovered that my payment was still due, I quickly sent another. Comenity Bank is very user friendly. Just make sure to remember to wait until you are billed before sending in a payment. Hope this information helps.


    • 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

      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.


    • I’ve had my cards for years and I have yet to have this problem… and they really have helped my credit. Just offering a different perspective.


      • danielle moxley June 13, 2019

        Same here, I’ve never had a problem with my Victoria Secret Card. I have always paid more, and they just increased me from 350.00 to 800.00. So, I can’t say anything bad. And my score was at like 570 when I first got them and went up to 620. Im really happy with them.


      • Overstock pre-approval pop up, but hard pull July 2020. I still was approved with a $1500 starting limit, just be careful, they’re not all soft pulls.


    • I agree with you, they are ripping me off also. They don’t want to hear your side of your story if a mistake has been made with your credit card.


    • Completely agree with Sue Smith. Stay away from the credit card offers these stores use to entice you in. They will extort you!
      The next and only time I will step into the store that I had my store card with will be to let the manager know they have lost any future business from me because of this card. The card company reps are awful!


  4. 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

    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

    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

    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

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


  11. Louise Joseph April 18, 2018

    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

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


  13. ROBBIE TAYLOR June 23, 2018

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


  14. 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

    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. 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?????


    • Same thing happened to me. Credit score tanked when they closed accounts due to me paying off the balance and having not use the card in only 4 months. It was actually 3 accounts that they did this to


      • Hi A18Cline,

        Thanks for reading and your feedback. Please remember that credit cards can be closed by the issuing bank if there’s inactivity on it. We are sorry to hear this, but just keep this in mind going forward. Remember too that we are not Comenity Bank.


    • Comenity Bank is a joke!!! I have missed a few payments due to some health issues and Comenity started harassing my relatives with the same last name as my “maiden name” including my ex-sister in law whom I can’t stand! They lied to her and told her that I had put her on my application for credit which couldn’t be further from the truth! They called her 4 times in one day and told her if she didn’t give them my contact information that they would keep calling her! I’m planning on contacting my attorney about this harassment! Don’t fall for their “easy acceptance” for credit! They are ridiculous!


      • This is not their fault that you defaulted on your payments. If you would have just called them and updated them about your situation, they would’ve worked with you and saved your credit scores. For future reference, this problem can be avoided by staying in contact with your credit card company. They extended their money to you and they have a right to collect on it.


    • I have had a few different cards with them and have never had any issues!! They have tripled my limits and some of the cards I’ve never even used. Even after almost 3 years of not using one of the cards I had to call and close it as they just kept increasing my limit. It’s crazy reading all the different experiences people have had. I’ve had nothing but positive interactions with them!!


  18. I was trying to build my credit when I got my comenity credit cards and I’ve paid on time for over two years now. I ended up with a couple of medical bills on my credit report one of which is from 2013 and was bought out by another collection agency. Anyway, comenity decided “hey we can lower her limit and that way her card is maxed out and really lower her credit score, we can do that for her since she’s been such a good customer.” I work 12 hours a day and drive 2 1/2 hours a day back and fourth to work but make sure my cards are paid on time, but a couple of medical bills did get past me. The sad part is yes they did lower my score some but if comenity back decides to decrease my limit on all the cards my score will be lower than when I first started rebuilding.


  19. Kathi Natland December 13, 2018

    I have been trying for months to settle my VENUS account with you to no avail. First of all, the customer service people you use do not speak english. when i finally got someone that did, they said they had to transfer me to someone else, I waited 15 mins on hold before hanging up. This happened twice. . I purchased 2 pairs of jeans and returned them. since then, you have been charging late fees for an account i never activated. This needs to stop. If i owe anything for shipping the returned items, please let me know and I will pay it. I will not pay for any late fees for something i returned. Please correct this matter and send in writing any charges i have incurred regarding the returned items. Your prompt attention is appreciated since this is the 3rd time i have addressed this matter with you.


    • Hi Kathi – please be advised we are NOT Comenity Bank. We are Upgraded Points, a website dedicated to points and miles content as well as additional credit card and travel-related pieces.

      Since we are not Comenity Bank, we can’t address your issue. Dealing with customer service can be frustrating to say the least – hoping you get it figured out.


  20. Cheryl hess January 2, 2019

    I have credit payment due January 2. I can’t pay it until next week but I don’t want to pay a late charge. I just got out of the hospital.


    • Hi Cheryl, sorry to hear you have been in the hospital. Please be aware that we are not a credit card company. We are Upgraded Points, a points and miles blog providing information on maximizing credit cards rewards. You should call the number on the back of your Comenity credit card to make arrangements for your payment.


  21. Kelly McCollum January 5, 2019

    I have had Comenity bank for a year or two now. I haven’t had any issues of limit dropping or being charged a late fee. I started with Bealls and have since gotten a Victoria’s Secret card (that I use for Bath & Body Works) and an Ulta card. I am thankful that they approved me when no-one else would! Good cards and company to have! I back them 100%!!


    • Hey Kelly!

      We are happy to hear that your experience with Comenity Bank is positive. Thanks for the continuous support and for following Upgraded Points!


  22. Bonnie Castleberry January 5, 2019

    I’m trying to rebuild my credit an would like to no how to recieve a credit card for a small amount an then build up to excellent credit.. threw this bank.. I have a bells but want a MasterCard..ty


    • Hey Bonnie!

      As it happens, we have a post of the top 10+ easiest credit cards to get approved for. We suggest starting slow with your credit and building it up.

      The Capital One Secured MasterCard is a great way to get started if you need a MasterCard to access places like Sam’s Club, etc. Thanks for reading!


      • I received a letter from Comenity bank. They closed my Belks card and Big Lots card due to inactivity. I had just paid off both cards. The last activity on the Belks card was June 2019 and they closed the card August 2019. They stated that—according to the credit bureau—I do not have real estate in my name.


      • What’s the shopping cart trick ?


  23. I tried this shopping cart trick and had the pre-approved pop-up for Victoria’s Secret, Ann Taylor, and J Crew. I filled out my info using only the last 4 digits of my Social Security number. A few moments later I received an alert that J Crew had done a hard inquiry. I am a bit upset. I assumed that with a pre-approval and only being asked for the last 4 digits of SSN that it would have been a soft inquiry like Victoria’s Secret and the Ann Taylor. So unless something is wrong here, I’d just like people to be aware that there might be a hard inquiry. Does anyone know or has anyone experienced a hard inquiry on a Comenity pre-approval?


    • Did you end up with a hardpull for VS and Ann Taylor? I know sometimes they take some time to show. From what I’ve read on MyFico forums, the Shopping Cart Trick doesn’t work anymore and people are reporting hard pulls from Victoria’s Secret and ever other Comenity card ever since October 2018. I just got a pre-approved offer yesterday and do not want to chance the hard pull.


      • The shopping trick DOES still work, at least for Overstock. My son just had the pre-approved popup a few days ago and accepted it and has already bought something with it.


  24. I have several Comenity cards. I’ve never had a single issue. I pay my bill on time and magic no problems. Love Comenity!
    Wayfair, overstock, old navy, with limits over 8000.


  25. Jennifer F April 10, 2019

    Two other easy cards to get are Sterling Jewelry and Jared cards, both have a pre-approval checker. I was pre-approved and applied for both. It came back instant approval for $1000 each. Highest card I have so far. Comenity has been helpful. I started out with Victoria secrets at $350 with shopping cart trick. Then Overstock for $250 and Wayfair for $500, all using the same shopping cart trick. They have helped get other store and bank cards. Also, Old Navy, Capital One, Indigo Bank and Merrick Bank with pre approval tools and they all approved after qualifying. Finally got Bank of America to show some love last week. Also Blaze MasterCard. And, last but not least, started with just under 600 credit score last fall up to 720 now. Got Harley Davidson approval last week for hubby for $23,000 with 3.9%. These cards can be great if you just pay on time and keep balances low.


  26. So I’ve visited a lot of these sites and nothing is happening, no credit card pre-approval offer or nothing. I even tried the ones that people have said work for sure such as Wayfair, Overstock, J Crew, and nothing. Am I missing something or doing something wrong? Do I click on the store’s name from the above list or go directly to their website?


    • Hi Senica. If you go to the store’s web site and select an item to purchase, you may receive an offer for the store’s credit card while you’re checking out. Most of the links in the article take you to the actual credit card application site which is different from the store’s web site where you would try to purchase an item.


  27. Wallace Strayer June 11, 2019

    I am trying to figure out who or what I am being billed for through Comenity. Have no idea and no remembrance of this. Please let me know how to figure this out. TYVM


    • Hello Wallace. Please be advised that we are not Comenity bank and have no affiliation with them. We are Upgraded Points, a blog specializing in providing credit card and travel-related resources. The fastest way to determine what you’re being billed for is to call the number on the back of your card or the number listed on your bill as soon as possible.


  28. Comenity sucks! They never updated my address so I could receive their mail. I ended up not receiving my statement and then after two months they called and threatened me to pay. I paid it off immediately but it was reported to my credit score. I tried to cancel the same time I paid it off and of course, no one could close it out. I will not call it to deal with this company again. The card is now destroyed and I will never use this company again.


    • Hi Sue,

      I’m sorry you’ve had a negative experience, but please be advised that we are not Comenity bank and have no affiliation with them. We are Upgraded Points, a blog specializing in providing credit card and travel-related resources. If you still need to close your account with Comenity, you will need to contact their customer service by calling the number on the back of your card.


  29. Connie Moore June 28, 2019

    I have been completely happy with Comenity Bank. When I needed a credit increase on one of their cards from Petland I had no problems. The customer service representative was very helpful and gave me the increase I needed. I would recommend Comenity bank to anyone, as a matter of fact I have recommended and the people were very happy that I did. Thank you Comenity bank for being there when I needed you the most. You did what no one else would do for me since my credit is not great. Again, thank you.


  30. I will have to say not to trust Comenity bank, especially if you are trying to build credit. After a year and 5 months with my payments on time, this bank decreased my credit limit. I’ve seen before that a store card can not increase your credit limit but the funny part here is that they did increase my limit and later decreased the limit without any notification or a letter with an explanation. I will advise to people who want to build their credit to look for better options


    • Pauline Roybal January 9, 2020

      I applied for an Ulta credit card to get better perks. I have an excellent credit score. They required me to send in my drivers license social security card and utility bill. They have no legal right to do that. They sell your info. My identity was stolen from their employees at Comenity Capital bank 4 years ago. About a year ago my Victoria secret card was shut down because I had never ordered online before so they shut down my card that I deserved to have with the amount of money I spend there. What a bunch of sick people. They suck the life out of everyone and their pocketbooks. They ruin your credit. Really anyone out there that wants to be treated properly should try Chase bank. They’re the less of the two evils.


  31. Marjorie A Vickers June 29, 2019

    I have had this card for more than 10 years and Marathon decided not to deal with them any more. I am trying to pay off my balance and I have been making double payments. Last month, I had to make a payment of $25.00 not realizing they were asking for $27.00, I was then charged a $27.00 late fee. When I called, they told me there was nothing they could do, this is their policy. I’m very disappointed and would never do business with this bank again.


  32. Frank S. Perry July 20, 2019

    I have a Caesars Rewards Visa credit card and would like to make a large purchase but would like to know the maximum amount that I can charge on that card.


    • Hi Frank,

      Please be advised that we are not, nor do we have any affiliation with Comenity Bank. In order to find out whether your transaction will be apprvoed, you should contact their customer service team at 1-800-675-5685. Thanks for reading!


  33. Gloria Hamilton August 5, 2019

    I applied for a card at Victoria’s Secret on Saturday, Aug 3, 2019 and to my disbelief I was turned down. I have excellent credit. My bank did just run a credit check on me as I am trying to refinance my home mortgage. This has only been last week they ran it but it was almost to 800.
    They called from the store, but no one would tell them why. I thought I had a Comenity card, but I do not use it.
    Could you please let me know why? Thank you.


    • Hi Gloria. Please be advised that we are not affiliated with Comenity or Victoria’s Secret so we would have no information on why your credit card application was denied. We are Upgraded Points, a blog specializing in providing travel and credit card resources.
      You will receive a letter from Comenity explaining their decision, however, and then you can call the number included in the letter to find out the details.


  34. David Floro March 9, 2020

    FYI, your “Complete List” dated 5 weeks ago does not show Lands’ End, whose branded VISA card is from Comenity Bank.


    • Hi David,

      Thanks for pointing that out. I’ve updated the post to include the Lands’ End card.


      • Also appears that the Sony VISA isn’t listed either. I received an offer from them and the issuing bank was Comenity Bank. From the fine print: Sony Visa® Credit Card Accounts are issued by Comenity Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.


  35. Chris
    Comenity Credit Cards are way better than Synchrony Bank for sure, from my experience better than Discover. Using their cards have helped me build my credit. Although I believe the key is paying more than the balance due each time you make a payment. Also paying small payments in between payments if you owe a large balance to help pay the balance down faster. I hope that my comment helped.


  36. LaChiquita Purchase June 8, 2020

    Comenity Bank is the worst! Total scammers! It is all cool until you close an account with them. Never will I ever shop at Victoria’s Secret again. They need to close ALL stores worldwide!!!


  37. Michelle Peters July 3, 2020

    If you think Comenity is bad, surely stay away from Synchrony. They are truly bad business for the creditors. They close accounts with zero balances and paid on time and pay more than the minimum payment. This just may be something that a lot of banks do, but again I must admit Synchrony is far worse than Comenity (and I have had both bank cards).


  38. Big red in ky August 25, 2020

    I love this company for offering so many cards. I have several and have had no problems for 2 years so far.


  39. I keep getting phone calls from Comenity Bank. I have NO credit cards with you. Please quit calling me. Thank you.


    • Hi Cindy,

      We are not, nor do we have any affiliation with, Comenity Bank. We are Upgraded Points, an educational travel website. To get off the Comenity Bank call list I recommend you contact them directly.


  40. Crate and Barrel confirmed hard pull even though it only asks for the last 4 of the SSN.


  41. Carol P Clapp October 31, 2020

    I like to pay my credit cards by autopay. How do I set this up for Comenity?


  42. They screw your credit in the long run. Sure, they’re easy to get. I’ve been working hard to rebuild my credit. I just paid down $400 on a card to get it closer to paid off. They decreased my credit limit by exactly $400 which shot my credit score down 30 freaking points. After 6 months of early/on time payments and this is how I am ‘rewarded’? I will be paying off and canceling any Comenity credit cards I have within the next few months.


Any thoughts or questions? Comment below!

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