Comenity Bank Credit Card Reviews [September 2024]

Ad Disclosure

Comenity credit cards are great for earning rewards affiliated with your favorite companies. Credit cards from Comenity are co-branded with companies ranging from Ikea and Bed Bath & Beyond to Farmers Insurance and Lexus. Most Comenity credit cards require good credit for approval, but offers for people with fair credit often are available, too. You can learn more about the latest offers below.Comenity Cards are products of Comenity Bank and Comenity Capital Bank which are Bread Financialcompanies.

Notable Comenity Credit Card Offers in September 2024

Furniture:
IKEA Credit Card
IKEA Credit Card
Learn MoreLearn More
Home Goods:

Bed Bath & Beyond® Credit Card
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Automotive Rewards:
Toyota Credit Card
Toyota Credit Card
Learn MoreLearn More
Insurance:
Farmers Credit Card
Farmers Credit Card
Learn MoreLearn More

Furniture:
IKEA Credit Card
Home Goods:
Automotive Rewards:
Toyota Credit Card
Insurance:
Farmers Credit Card

Comenity Credit Card Reviews

PlayStation® Visa® Credit Card

3.25 out of 5 rating300 Reviews300 User Reviews

Apply Now

3.25 out of 5 rating300 Reviews300 User Reviews

3.7WalletHub Rating

WalletHub Rating

3.7

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.7

User Reviews

3.2

Market Comparison

3.6

fees: 5.0

rewards: 3.8

cost: 3.3

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→19.24%, 25.24% or 27.99% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

19.24%, 25.24% or 27.99% (V)

annual fee

rewards rate

1 - 5 points / $1

Bonus Offer

$100

Bonus Offer

$100

minimum credit

Good

WalletHub's Take: The PlayStation® Visa® Credit Card is a good credit card that’s worth it for gamers or parents of gamers who have good credit or better. The card offers well-above-average rewards rates on PlayStation and Sony purchases, as well as on monthly cell phone bill payments, and it has a $0 annual fee.

Pros

$100 initial bonus
5 points / $1 on PlayStation Store purchases and PlayStation and Sony products from authorized retailers
No annual fee

Cons

Potential for a very high regular APR
Inconsistent redemption value

Rewards Details

5X points when you shop directly from PlayStation (on games, consoles, accessories, subscriptions and more).**
5X points when you shop the Sony Store and at authorized retailers***
3x points per $1 spent on cable & internet bill payments**
2x points on Restaurants & Fast Food (includes takeout, &delivery services)**
1x point on all other purchases anywhere Visa is accepted**
Earn a $100 statement credit when you open and use the PlayStation Card to spend $400 in purchases within 60 days of account opening. Offer ends 12/31.*

Pros, Cons, & Details

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Ulta Credit Card

2.75 out of 5 rating135 Reviews135 User Reviews

4.4WalletHub Rating

WalletHub Rating

4.4

Editor’s Rating

4.4

User Reviews

2.7

Market Comparison

4.5

fees: 5.0

rewards: 4.6

cost: 4.7

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→23.24% - 32.24% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

23.24% - 32.24% (V)

annual fee

rewards rate

0.33 - 2 points / $1

Bonus Offer

500 Points + 20% discount

Bonus Offer

500 Points + 20% discount

minimum credit

Good

WalletHub's Take: The Ulta Credit Card is a $0 annual fee rewards credit card for people who want to save money on Ulta Beauty products and services. It offers 20% off your first Ulta purchase made with the card, plus ongoing rewards of 2 points per $1 spent at Ulta. The Mastercard version of the Ulta Credit Card also gives 500 bonus points for spending $500 outside of Ulta Beauty in the first 90 days and 1 point per $3 spent on non-Ulta purchases normally.

Pros

No membership fees
High rewards rate
500 Points + 20% discount initial rewards bonus

Cons

No intro APR on purchases
No intro APR on balance transfers
Foreign fee

Rewards Details

20% off all products and services on your first purchase at Ulta Beauty.
Enjoy 500 Welcome Bonus Points when you spend $500 in the first 90 days outside of Ulta Beauty.
Earn 2 points for every $1 spent at Ulta Beauty; 1 point for every $3 spent outside of Ulta Beauty.
Members who spend $500 between January 1 and December 31 will earn Platinum status receiving 2.25 points per $1 spent.
Members who spend $1,200 between January 1 and December 31 will earn Diamond status receiving 2.5 points per $1 spent.
Members can use their points to reduce the purchase price of a product or to receive a product for free.

Additional Info

Pay your bill online.
View your account activity.
Check your card balance.
Update your account information.

Pros, Cons, & Details

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Victoria's Secret Credit Card

3.51 out of 5 rating803 Reviews803 User Reviews

4.4WalletHub Rating

WalletHub Rating

4.4

Editor’s Rating

5.0

User Reviews

3.5

Market Comparison

4.3

fees: 5.0

rewards: 4.4

cost: 4.4

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→32.24% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

32.24% (V)

annual fee

rewards rate

10 points / $1

Bonus Offer

$25 discount

Bonus Offer

$25 discount

minimum credit

Fair

WalletHub's Take: The Victoria’s Secret Credit Card is a good card that’s worth it for people who frequently shop at Victoria’s Secret. The card has a $0 annual fee, rewards of 10 points per $1, and perks such as birthday bonuses and free shipping. Plus, you only need fair credit to be approved for an account.

Pros

No membership fees
High rewards rate
$25 discount initial rewards bonus
Qualify with fair credit

Cons

Spending caps on rewards
High regular APR

Rewards Details

Get $25 off your first purchase when you open the card and make a purchase.
Earn 10 points with every $1 you spend and earn 15 points when spending $750 in a year. Get a $10 reward for every 2,000 points earned.
Earn 30 points with every $1 you spend on all bra purchases.
Automatic Silver status upgrade for Cardmembers, with the opportunity to reach Gold status by spending $750 in a year.
A $10 Birthday Reward each year your card is active. Upgrade to Gold status and get a $15 Birthday Reward.
Receive a 15% off on your card anniversary. Upgrade to Gold status and get a 20% off.
Free Shipping on purchases of $50 or more, check code on website.

Pros, Cons, & Details

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Sportsman's Warehouse Store Card

3.91 out of 5 rating11 Reviews11 User Reviews

3.6WalletHub Rating

WalletHub Rating

3.6

User Reviews

3.9

Market Comparison

3.6

fees: 5.0

rewards: 3.4

cost: 3.5

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→35.99%

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

35.99%

annual fee

rewards rate

5 points / $1

Bonus Offer

15% discount

Bonus Offer

15% discount

minimum credit

Fair

WalletHub's Take

Pros

No membership fees
High rewards rate
15% discount initial rewards bonus
Qualify with fair credit

Cons

High regular APR

Read our editor's full Sportsman's Warehouse Store Card review.

Rewards Details

Open and use a Sportsman's Warehouse Store Card today and get 15% off (up to $50) your first online purchase now.
Earn 5 points per eligible net $1 spent at Sportsman's Warehouse or Sportsmans.com
Keep your points as long as you earn one point every 12 months, and there's no cap on how many you can earn.
You can redeem points for gear and you can start redeeming when you have at least 1 available point.

Additional Info

Exclusive deals and special offers for cardmembers.

Pros, Cons, & Details

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IKEA Credit Card

3.25 out of 5 rating4 Reviews4 User Reviews

3.6WalletHub Rating

WalletHub Rating

3.6

Market Comparison

3.6

fees: 5.0

rewards: 3.5

cost: 3.5

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→21.99%

Purchase Intro APR

Not Offered

Sephora Credit Card

1.91 out of 5 rating54 Reviews54 User Reviews

3.3WalletHub Rating

WalletHub Rating

3.3

User Reviews

1.9

Market Comparison

3.4

fees: 5.0

rewards: 3.1

cost: 3.4

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→23.24% - 31.99% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

23.24% - 31.99% (V)

annual fee

rewards rate

1 - 4 % in Reward Dollars

Bonus Offer

25% discount + up to $170

Bonus Offer

25% discount + up to $170

minimum credit

Good

WalletHub's Take

Pros

No membership fees
25% discount + up to $170 initial rewards bonus

Cons

No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Requires good/excellent credit

Read our editor's full Sephora Credit Card review.

Rewards Details

25% off your first purchase at Sephora when you open and use your card within 30 days of account opening.
Earn a $20 as a Sephora Credit Card Reward when you use your Card to spend $500 outside of Sephora in the first 90 days from approval.
Limited time offer: Earn $150 in credit card rewards when you spend $1,500 on it outside Sephora within 90 days of account opening. Valid through 9/25/2024.
Earn 2x Beauty Insider Points per $1 spent at Sephora.
Earn 4% back in rewards in store or online at Sephora.
Earn 1% back in rewards on purchases outside Sephora.
The current Reward Level is $125.00 Reward Dollars ($125.00 Reward Dollars = $5 Credit Card Reward).

Additional Info

Zero liability.

Pros, Cons, & Details

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Caesars Credit Card

2.55 out of 5 rating38 Reviews38 User Reviews

3.2WalletHub Rating

WalletHub Rating

3.2

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

2.0

User Reviews

2.5

Market Comparison

3.5

fees: 3.8

rewards: 1.7

cost: 4.8

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→23.24% - 32.24% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

23.24% - 32.24% (V)

annual fee

rewards rate

1 - 5 points / $1

Bonus Offer

20,000 points

Bonus Offer

20,000 points

minimum credit

Good

WalletHub's Take: The Caesars Credit Card is a good credit card for people who frequent Caesars Rewards resorts and casinos, such as Caesars Palace, Harrah's, Tropicana, and Four Seasons. It’s worthwhile as long as you pay the bill in full every month, given that it has a $0 annual fee and rewards but also charges a high APR.

Pros

No membership fees
High rewards rate
20,000 points initial rewards bonus

Cons

No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Requires good/excellent credit

Rewards Details

Receive 20,000 Reward Credits® bonus and 2,500 Tier Credits after you spend $2,000 outside of a Caesars Rewards destination in the first 90 days.
Receive additional 15,000 Reward Credits by spending at least $50,000 on your card within 12 months of account opening.
Upgrade to Platinum status by making your first purchase in the first 90 days. Platinum status provides you with: 15% discount at participating casino gift shops, Complimentary valet & self-parking at many destinations, Discounts on select Norwegian Cruise Line® vacations, Discounted rates at Atlantis, Paradise Island in The Bahamas.
Earn an additional 5,000 Tier Credits by spending $5,000 in a calendar year, on your Caesars Credit Card.
5x Reward Credits for every $1 spent at Caesars Rewards resorts and casinos.
2x Reward Credits for every $1 spent on Restaurants, Travel and Entertainment.
1x Reward Credits for every $1 spent everywhere else Visa® is accepted and cash advances.
Your Reward Credits will never expire as long as you earn one Reward Credit once every six months, plus there is no cap on how much you can earn

Additional Info

Zero liability if your card is ever lost or stolen.
Participating Caesars Casinos: Caesars Palace, Cesars, Eldorado, Harrah's, Horseshoe, Tropicana, Flamingo, The Cromwell, The Linq, Paris, Planet Hollywood, Rio, Harveys, CIrcus Circus Reno, Silver Legacy, Grand VictoriaCasino, Lumiere Place, Four Seasons, Baton Rouge, Indiana Grand, Lady Luck, Isle Casino, Eldorado Gaming, Caesars Republic, WSOP, Caesars sports, Isle of Capri

Pros, Cons, & Details

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Ross Credit Card

0 out of 5 rating

3.5WalletHub Rating

WalletHub Rating

3.5

Market Comparison

3.5

fees: 5.0

rewards: 3.3

cost: 3.4

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→32.24%

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

32.24%

annual fee

rewards rate

1 - 5% Cash Back

Bonus Offer

10% off

Bonus Offer

10% off

minimum credit

Good

WalletHub's Take

Pros

No membership fees
High rewards rate
10% off initial rewards bonus

Cons

No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Requires good/excellent credit

Read our editor's full Ross Credit Card review.

Rewards Details

Valid one time only: Get 10% off a purchase at Ross Dress for Less.
Earn 5% back in Ross Rewards on purchases at Ross Dress for Less.
Earn 1% back in Ross Rewards on all other purchases where Mastercard is accepted.
$5 Rewards Certificate for every $100 you spend at Ross Dress for Less.

Additional Info

Tap to pay and redeem certificates with your phone.

Pros, Cons, & Details

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Victoria's Secret Mastercard Credit Card

2 out of 5 rating1 Review1 User Review

4.6WalletHub Rating

WalletHub Rating

4.6

Market Comparison

4.6

fees: 5.0

rewards: 4.4

cost: 5.0

Other Features: 0.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→32.24% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

32.24% (V)

annual fee

rewards rate

2 - 10 points / $1

Bonus Offer

up to $55 discount

Bonus Offer

up to $55 discount

minimum credit

Good

WalletHub's Take

Pros

No membership fees
High rewards rate
up to $55 discount initial rewards bonus

Cons

Spending caps on rewards
No intro APR on purchases
No intro APR on balance transfers
Foreign fee

Read our editor's full Victoria's Secret Mastercard Credit Card review.

Rewards Details

Limited time offer: Get $25 off your first purchase when you open and use your card.
Get $30 after spending $500 in the first 90 days of account opening.
Earn 4 points per $1 spent on dining, travel and streaming services.
Earn 2 points per $1 spent on all purchases.
Earn 10 points with every $1 you spend and earn 15 points when spending $750 in a year at Victoria's Secret or PINK. Get a $10 reward for every 2,000 points earned.
Earn 30 points with every $1 you spend on all bra purchases.
Automatic Silver status upgrade for Cardmembers, with the opportunity to reach Gold status by spending $750 in a year.
A $10 Birthday Reward each year your card is active. Upgrade to Gold status and get a $15 Birthday Reward.
Receive a 15% off on your card anniversary. Upgrade to Gold status and get a 20% off.
Free Shipping on purchases of $50 or more. Upgrade to Gold status and get free shipping on purchase of $25 or more.

Additional Info

Zero fraud liability.

Pros, Cons, & Details

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NFL Extra Points Credit Card

3.12 out of 5 rating292 Reviews292 User Reviews

2.5WalletHub Rating

WalletHub Rating

2.5

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.7

User Reviews

3.1

Market Comparison

2.1

fees: 4.0

rewards: 5.0

cost: 1.4

APR: 2.1

Purchase Intro APR→0%for6 months

Transfer Intro APR→Not Offered

Regular APR→19.24% - 33.24% (V)

Washington Commanders Credit Card

3.95 out of 5 rating112 Reviews112 User Reviews

2.4WalletHub Rating

WalletHub Rating

2.4

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

User Reviews

3.9

Market Comparison

2.2

fees: 4.0

rewards: 5.0

cost: 1.6

APR: 2.1

Purchase Intro APR→0%for6 months

Transfer Intro APR→Not Offered

Regular APR→19.24% - 33.24% (V)

Purchase Intro APR

0%for6 months

Transfer Intro APR

Not Offered

Regular APR

19.24% - 33.24% (V)

annual fee

rewards rate

1 - 3 points / $1

Bonus Offer

$100

Bonus Offer

$100

minimum credit

Good

WalletHub's Take

Pros

No membership fees
0% intro APR on purchases
High rewards rate
$100 initial rewards bonus

Cons

No intro APR on balance transfers
Balance transfer fee
Foreign fee
Requires good/excellent credit

Read our editor's full Washington Commanders Credit Card review.

Rewards Details

Get $100 Cash Back when you spend $500 on purchases outside of the NFL in your first 90 days from open date. Paid as a statement credit.
20% Off every NFLShop.com purchase made with your NFL Extra Points Visa Credit Card.
Earn 3% in Rewards (3 points / $1) on qualifying NFL purchases and NFL Team purchases.
Earn 2% in Rewards (2 points / $1) on grocery store, food delivery, restaurants, gyms and sporting goods purchases.
Earn 1% in Rewards (1 point / $1) on all other purchases.
Earn points and redeem them for gift cards available now, or unique NFL experiences, tickets, merchandise and more.

Additional Info

Special Financing with no interest for 6 months on NFL Tickets when you spend $250 or more at NFL Team Ticket Offices, Ticketmaster and SeatGeek with your NFL Extra Points Visa Credit Card.

Pros, Cons, & Details

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Featured Credit Cards

Ad Disclosure

Upgrade Cash Rewards Visa®

3.3 out of 5 rating233 Reviews233 User Reviews

Apply Now

3.3 out of 5 rating233 Reviews233 User Reviews

4.8WalletHub Rating

WalletHub Rating

4.8

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.2

User Reviews

3.2

Market Comparison

5.0

fees: 5.0

rewards: 5.0

cost: 5.0

Other Features: 5.0

Purchase Intro APR→Not Offered

Transfer Intro APR→Not Offered

Regular APR→14.99% - 29.99%

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

14.99% - 29.99%

annual fee

rewards rate

1.5% Cash Back

minimum credit

Fair

WalletHub's Take: The Upgrade Cash Rewards Card is a good option for people with fair credit who want to borrow money and build credit at a reasonable price. But if you plan to pay your monthly bills in full or you have good-to-excellent credit, there are better, more rewarding options available.

Pros

No membership fees
Qualify with fair credit

Cons

APR up to 29.99%
No grace period

Rewards Details

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Earn 1.5% unlimited cash back on card purchases every time you make a payment
*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

Additional Info

Combine the flexibility of a credit card with the predictability of a personal loan
No annual fee
No touch payments with contactless technology built in
See if you qualify in minutes without hurting your credit score
Great for large purchases with predictable payments you can budget for
Mobile app to access your account anytime, anywhere
Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy

Pros, Cons, & Details

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Capital One SavorOne Cash Rewards Credit Card

3.66 out of 5 rating329 Reviews329 User Reviews

Apply Now

3.66 out of 5 rating329 Reviews329 User Reviews

4.3WalletHub Rating

WalletHub Rating

4.3

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.8

User Reviews

3.6

Market Comparison

4.2

fees: 5.0

rewards: 3.9

cost: 4.5

Other Features: 0.0

Purchase Intro APR→0%for15 months

Transfer Intro APR→0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time

Regular APR→19.99% - 29.99% (V)

Purchase Intro APR

0%for15 months

Transfer Intro APR

0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time

Regular APR

19.99% - 29.99% (V)

annual fee

rewards rate

1 - 8% Cash Back

Bonus Offer

$200

Bonus Offer

$200

minimum credit

Good

WalletHub's Take: The Capital One SavorOne card is a good credit card that’s worth it for foodies and entertainment lovers who want to earn bonus rewards without paying an annual fee. You can get 3% cash back on entertainment, popular streaming services and dining, which covers everything from fast food to restaurants with Michelin stars. And if you want to cook for yourself, SavorOne has you covered there, too, with 3% cash back at grocery stores. Those earning rates are roughly three times higher than the market average of 1% back, which is what you'll earn on all other purchases.

Pros

Earn $200 initial bonus
High rewards rate
$0 annual fee
0% intro APR on purchases and balance transfers

Cons

High regular APR
Balance transfer fee
Requires good/excellent credit

Rewards Details

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn

Additional Info

0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee

Pros, Cons, & Details

Compare

Wells Fargo Active Cash® Card

3.31 out of 5 rating186 Reviews186 User Reviews

Apply Now

3.31 out of 5 rating186 Reviews186 User Reviews

4.4WalletHub Rating

WalletHub Rating

4.4

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

5.0

User Reviews

3.2

Market Comparison

4.4

fees: 3.8

rewards: 4.7

cost: 4.7

Other Features: 0.0

Purchase Intro APR→0%for12 months from account opening

Transfer Intro APR→0% for 12 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)

Regular APR→20.24% - 29.99% Variable

Purchase Intro APR

0%for12 months from account opening

Transfer Intro APR

0% for 12 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)

Regular APR

20.24% - 29.99% Variable

annual fee

rewards rate

2% Cash Rewards

Bonus Offer

$200 Cash Rewards

Bonus Offer

$200 Cash Rewards

minimum credit

Good

WalletHub's Take: The Wells Fargo Active Cash® Card is a good credit card for people with a credit score of 700 or higher who want to earn above-average rewards without any hassle and without paying an annual fee. Wells Fargo Active Cash also is worthwhile for people interested in 0% introductory APRs and getting up to $600 in cell phone protection.

Pros

$200 cash rewards bonus
$0 annual fee
2% cash rewards on purchases
0% introductory APR

Cons

High regular APR
Foreign transaction fee
Balance transfer fee

Rewards Details

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
No categories to track or remember and cash rewards don't expire as long as your account remains open.

Additional Info

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Pros, Cons, & Details

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Want more credit card options?WalletHub makes it easy to compare credit card across many companies.

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Comenity Credit Card Reviews

34%

30%

19%

11%

3.6

24,295 reviews

What's Your Rating?

Most Recent

Louise Gardner

August 30, 2024 •

@lingo101

1 Star Rating

They offer great six-month interest-free loans on purchases on some websites. Sounds great, but too good to be true. You make six monthly interest-free payments. Sounds great? Nope, you're socked with accumulated interest at the end. Stay far away.

Product: Comenity Credit Cards

Comment

lauren weber

August 29, 2024 •

@weberlauren747

1 Star Rating

This card is not trustworthy! I opened my account at the end of June, and it is almost September, yet I still have not received my card. I have called twice, and they claim to have sent me cards. They are attempting to charge me late fees for a card I have never even received. I used it once for a $37 purchase, and now they claim I owe them over $90. The representative, Kristine, over the phone, offered to remove the late fee if I kept my account open, but the late fee is still there. I strongly advise against getting this card. It has caused me so much frustration.

Product:

Academy Sports + Outdoors Credit Card

Comment

d_valent

August 28, 2024 •

@d_valent

1 Star Rating

Do not purchase furniture at Biglots. They claim it is 0% interest for 12 months, but they lie and charge interest. Then, when trying to correct the error, they give you the runaround. I will be reporting this to the Better Business Bureau and to corporate.

Product:

Big Lots Credit Card

Comment

Gail Heisler

August 28, 2024 •

@shedraw

1 Star Rating

Terrible company to deal with - AVOID AT ALL COSTS! Key Whitman Eye Center involved me with this company for cataract surgery. The company did not state anywhere on their online payment site that it was promotional and charged me $2,500 in interest after being over by one week. I was unaware it had a two-year timeframe. When I noticed my balance had drastically increased, I called them only to find out that my promotion had ended. No mercy shown! I am a senior on a fixed income. I was so proud of having reduced the total from $8,500 to $1,800 - then I was hit with this outrageous interest charge. Had I known about it, I would have transferred the $1,800 balance to a different card. DO NOT LET ANY DOCTOR TALK YOU INTO USING THIS COMPANY AND BEWARE OF KEY WHITMAN EYE CENTER IN DALLAS, TX.

Product:

Alphaeon Credit Card

Comment

nasrinrezai99

August 21, 2024 •

@nasrinrezai99

1 Star Rating

They are scammers. They remove your scheduled payment to receive the late fee. I've been paying a late fee every month even though I schedule my payment on time, but somehow it gets removed, and it doesn't show anymore.

Product:

Alphaeon Credit Card

Comment

DATHAN

August 21, 2024 •

@dfgatson

5 Star Rating

Verified Customer

I prefer this great credit card because it is a fantastic financial tool. The card is user-friendly and beneficial for budgeting and my shopping needs!

Product: Bread Financial Credit Cards

Comment

borislavlemberskiy

August 21, 2024 •

@borislavlemberskiy

1 Star Rating

I always received a bill in the mail, but all of a sudden they switched me to paperless. I didn't read my email, so as a result, I didn't pay my bill, and they charged me a $30 late fee. I couldn't believe it when I asked to speak to a manager; she was rude and refused to offer a solution. As a result, I am going to close this account.

Product:

Sephora Credit Card

Comment

whuser76211538

August 19, 2024 •

@whuser76211538

1 Star Rating

I attempted to obtain information about why I can only download transactions in OFX format, and I was informed that they were unaware of the web page. They were also unable to direct me to someone who could assist. I doubt I would choose this bank if they lack access to their web developers.

Product:

Sony Visa® Credit Card

Comment

Erik Ramos

August 16, 2024 •

@hazmatinvest

1 Star Rating

The worst credit card ever! You make a payment, and even if it has cleared your bank, you have to wait 10 business days after the payment has cleared to use the available credit posted online and over the phone. The credit card representative supervisor confirmed that this policy is not in the credit card user agreement. This is fraud and false advertising.

Product:

Toyota Credit Card

Comment

Isael Martinez

August 15, 2024 •

@martinezisael5

1 Star Rating

"If I could give zero stars, I would... This company is a scam. No one is knowledgeable enough to understand and communicate situations. Do not get the card; the credit team is ineffective at addressing any concerns, and you will be charged additional interest even after completing the payments. They lack structure, and I regret the day I walked into one of these locations."

Product:

Petland Credit Card

Comment

Review Comenity Credit Card Reviews

Comenity Credit Cards FAQ

Get answers to your questions about Comenity Credit Card Reviews below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

What Comenity Bank credit cards are easy to get?

Maria Adams, Credit Cards Moderator

@m_adams

The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you'll need a score of about 640 or higher. And since the average person's credit score is about 40 points above that, these cards are well within reach for most of us.

Unfortunately, Comenity Bank doesn't offer any cards for people with bad credit, so its cards aren't quite as easy to get as secured credit cards, for example. It's also important to note that Comenity Bank specializes in store cards, which you'll only be able to use at one (or sometimes a few) specific retailers.

Here are some Comenity Bank credit cards that are easy to get:

Zales Credit Card. Requires fair credit. $0 annual fee. 10% off all repair services. $50 off a $149+ purchase on your birthday. Deferred interest of 0% - 16.99% for 6 - 36 months. 33.24% (V) regular APR. Free shipping and exclusive coupons.
Ann Taylor Store Card. Requires fair credit. $0 annual fee. 5 points per $1 spent at Ann Taylor family brands.
Jessica London Credit Card. Requires fair credit. Annual fee: $0. 1 point per $1 spent at any of the fullbeauty brands.
Torrid Credit Card. Requires fair credit. $0 annual fee. 1 point for every dollar spent at Torrid. 35.99% regular APR.
Petland Credit Card. Requires fair credit. Annual fee: $0. 1 point per $1 spent. Exclusive discounts and promotional financing.

As you can see, these cards charge $0 annual fees, and all of them provide nice perks at their respective retailers. Comenity Bank also has quite a few store cards that require good credit for approval. They include cards tied to Orbitz, Williams Sonoma, Loft and Westgate Resorts. But if your score is below 700, it's best to just stick with the cards for fair credit.

View more answers

Upvotes

What credit score do you need for a Comenity Bank credit card?

Rhonda Stewart, WalletHub Loans Analyst

@rhonda

You need a credit score of 640 or higher to get a Comenity Bank credit card in most cases. That means you need at least fair credit to get approved. However, there are some Comenity credit cards that require a credit score of 700 or better (good credit).

It is important to know where you stand before applying for a Comenity credit card. You can check your credit score for free, right here on WalletHub.

What you should know about Comenity...

Upvotes

How can I pay my Comenity Bank credit card?

Maria Adams, Credit Cards Moderator

@m_adams

You can pay yourComenity Bank credit cardbillonline, over the phone, or via mail. Just keep in mind that each credit card issued by Comenity Bank has a different sign-in portal, as well as different customer service phone numbers and payment addresses.

You can search for your co-branded credit card's contact information on Comenity Bank's website. Additionally, you can find the customer service phone number on the back of your card. To make sure you...

Upvotes

How do I check my Comenity Bank credit card application status?

Evelyn Boros, Credit Cards Moderator

@evelyn_boros

You can only check yourComenity Bank credit cardapplication status by phone. There isn't a general Comenity Bank phone number for all of their credit cards, so make sure to call the phone number associated with the card you applied for. Then, wait until you're connected to a representative to inquire about your application.

You can search for a particular card's contact information onComenity's website.

Popular Comenity Bank credit cards and their phone numbers:

Upvotes

How do I request a credit limit increase with Comenity Bank?

Bogdan Roberts, Credit Cards Moderator

@bogdan_roberts

You can request a credit limit increase online, through the {Issuer Name} mobile app, or by calling customer service at 1 (855) 823-1001. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income {Issuer Name} has on file. {Issuer Name} will be more likely to increase your credit limit if the revised income...

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* The information about the following cards has been independently collected by WalletHub: Ulta Credit Card, Victoria's Secret Credit Card, Sportsman's Warehouse Store Card, IKEA Credit Card, Sephora Credit Card, Caesars Credit Card, Ross Credit Card, Victoria's Secret Mastercard Credit Card, NFL Extra Points Credit Card, Washington Commanders Credit Card, Zales Credit Card, Ann Taylor Store Card, Torrid Credit Card, Jessica London Credit Card, Petland Credit Card, West Elm Store Card, Big Lots Credit Card, Sony Visa® Credit Card, Bealls Florida Credit Card, Toyota Credit Card, Farmers Credit Card, and Bed Bath & Beyond® Credit Card.

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Comenity Credit Cards FAQ

What Comenity Bank credit cards are easy to get?

What credit score do you need for a Comenity Bank credit card?

How can I pay my Comenity Bank credit card?

How do I check my Comenity Bank credit card application status?

How do I request a credit limit increase with Comenity Bank?

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