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Comenity Bank is a major credit card company that has 92 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% interest credit 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 card approvals that also have superior rewards, if time is a factor.
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 Medical Credit Cards
Comenity Bank Education Credit Cards
Comenity Bank Hotel Credit Cards
Comenity Bank Auto Credit Cards
Comenity Bank Miscellaneous 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.
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.
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.
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 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).
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 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.
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 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 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 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 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 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 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 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 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, 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 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 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.
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 store for using the shopping cart trick is Victoria’s Secret. 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.
| 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® Mastercard® - Pre-qualification available with no impact to your credit score. Previous bankruptcy is OK. Poor to Fair Credit Recommended (300+ credit score). |
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!
The information regarding the Credit One Bank® Platinum Visa® for Rebuilding Credit was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Indigo® Platinum Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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140 comments
Rachel
February 25, 2019
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?
Deva
March 14, 2019
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.
Amy
April 04, 2019
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.
John
March 10, 2019
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.
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.
Senica
April 12, 2019
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?
Christine Krzyszton
April 13, 2019
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.
Crystal Perkins
May 27, 2019
Totally accurate!
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
Christine Krzyszton
June 12, 2019
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.
Sue F.
June 15, 2019
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.
Jarrod West
June 16, 2019
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.
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.
Ligia
June 28, 2019
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 09, 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.
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.
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.
Jarrod West
July 20, 2019
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!
Gloria Hamilton
August 05, 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.
Christine Krzyszton
August 06, 2019
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.
David Floro
March 09, 2020
FYI, your “Complete List” dated 5 weeks ago does not show Lands’ End, whose branded VISA card is from Comenity Bank.
Jarrod West
March 10, 2020
Hi David,
Thanks for pointing that out. I’ve updated the post to include the Lands’ End card.
Robert
April 27, 2020
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.
Jarrod West
April 28, 2020
Hi Robert,
Thanks for pointing that out, I’ve added the Sony card to the post.
Thanks for reading!
Chris
May 04, 2020
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.
LaChiquita Purchase
June 08, 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!!!
Michelle Peters
July 03, 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).
William S
August 12, 2022
Comenity and Synchrony banks are now the same bank? SUPRISE! I was on hold four two hours
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.
Cindy
August 25, 2020
I keep getting phone calls from Comenity Bank. I have NO credit cards with you. Please quit calling me. Thank you.
Jarrod West
August 25, 2020
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.
Nestor
October 08, 2020
Crate and Barrel confirmed hard pull even though it only asks for the last 4 of the SSN.
Carol P Clapp
October 31, 2020
I like to pay my credit cards by autopay. How do I set this up for Comenity?
Jarrod West
November 02, 2020
Hi Carol,
If you contact the Comeity customer service team directly they can assist you with this. The number is 1-(833)-755-4354.
anny
June 27, 2021
thanks
Pam
July 03, 2021
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.
Suzieq
April 04, 2022
I received a bill dating back 11 years? I checked out all of their cards and I never did business with any of them. So I disputed the charge, but they did hopefully fix it. It’s just strange that after 11 years they send out this notification. If you get a bill like mine dispute it and check the credit bureaus. Something is fishy with them.
Iantha Jones
April 28, 2022
I will never use this bank or any of the credit cards associated with this bank as they have fraudulent activities. At the beginning of the year, I only owed $8.40. Somehow it got added up to $41.40. When I tried to pay with a credit card they would not accept it via phone, they would only accept a debit card or check. Stay away from these people, a bunch of scammers.
John
May 28, 2022
With any kind of credit card, don’t become late with a payment, or it will hunt you for 7 to 10 years. When you get your statement just pay your bill and you will be ahead of the game. Have a wonderful day.
Peggy Brown
May 29, 2022
I would like to know if the calls are monitored? I called to activate my new card. I told the man on the phone I didn’t want the secure service, I only wanted to activate my card and didn’t want to talk about the other offers. He says, “you’re going to listen to what ever he wants to talk about because he is in charge of this not me!”
Christine Krzyszton
June 01, 2022
Hi Peggy. Sorry you had this experience. Please be advised, however, that we are not Comenity Bank, nor do we have any affiliation with the company. You’ll want to contact Comenity directly to voice your concerns. We have removed the names mentioned in your comment for privacy reasons.
Dawn White
July 15, 2023
COMENITY BANK IS THE ABSOLUTE WORST CREDIT CARD COMPANY TO WORK WITH! It use to be a fairly good credit card company and I had 5 cards with them. In March I never received a package from Ulta Lazership was supposed to deliver it. I had camera footage and there was no package delivered I asked to see a photo of Lazership leaving it on my porch well of course, they can’t provide me with that but they believe Lazership over a customer they had since 2010 that has never had a late payment and has spent thousands among thousands with them. They canceled my credit card and will not issue a refund so my credit will go to pooo before I pay for a package I never received!
Jay
June 01, 2022
You forgot Helzberg Diamonds. Their store credit card is with Comenity Bank.
Shannon black
June 12, 2022
Hey there! Thanks for this list! It appears that Pottery Barn is now showing capital one as the card issuer.
William Sidwell
August 12, 2022
I have been on hold for over two hours come on!
Peter
August 29, 2022
Commenity Capital Bank is a nightmare organization. No customer support. Refuse to answer certified letters. Their computer system is a disaster and their database is corrupted. Stay away.
Mrs
November 03, 2022
Just got an account transferred to Comenity. They won’t give me my balance because they say I am not the primary account holder. If I have a separate account#, I should get a balance for that account. 2 days as a customer and already I see they will be horrible to deal with. I called and asked for a supervisor they said “no”!!! Consumer Protection Law Violation. Next step, I’m calling the corporate office and the Attorney General’s office to report them. They can sue me for the balance I was trying to pay by setting up direct payment with my bank. They outright suck.
Christine Krzyszton
November 04, 2022
Sorry for your frustration. Unfortunately, the primary account holder who added you to their account is responsible for the account and the one who must manage the account. Your separate account # is for managing purposes so that the primary account holder can determine which charges were made by you (and other authorized users).
Rose Dunlap
December 15, 2022
So much to choose from, considering good for or even bad credit.
Debbie
April 22, 2023
This is the worst credit card company out there. If you have a dispute good luck. I will never have a card with this company ever again
Krunal Khambhadiya
June 03, 2023
great content. thanks for sharing
Wendy Dresser
June 23, 2023
I have never had any issue with this bank. I’m getting a few more to help raise my $limit, build more credit. Done this for the past year no issues.
Renee
June 27, 2023
This one is a whole lot better than Synchonry Bank……
Technut
August 14, 2023
Bj’s and Overstock is no longer with Comenity
Jarrod West
August 14, 2023
Hi Technut,
Thanks for pointing that out. I’ve updated the post.
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