
Comenity Bank offers a wide range of credit cards for various retailers and brands. These cards can be a great way to earn rewards and build credit while shopping at your favorite stores.
Some Comenity Bank credit cards offer rewards programs that let you earn points or cash back on purchases. For example, the Victoria's Secret Angel Credit Card offers 5 points for every dollar spent at Victoria's Secret, which can be redeemed for rewards like free merchandise or gift cards.
If you're looking for a credit card with no annual fee, you may want to consider the Lane Bryant Credit Card, which has no annual fee and offers rewards like 5 points for every dollar spent at Lane Bryant.
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Credit Card Options
Comenity Bank offers more than a hundred credit cards with various retailers. Many retailers are specific to certain regions, but the bank also has co-branded cards for popular national brands.
You can expect a discount on your first purchase, usually between 10% and 20%. This incentive is a common feature among Comenity Bank credit cards.
To get the best rewards, look for credit cards that offer the most benefits.
Best
Comenity Bank offers a wide range of credit cards with various retailers, including co-branded cards for popular national brands.
Discounts are a common incentive with Comenity Bank credit cards, with many offering 10% to 20% off on the first purchase.
Comenity Bank credit cards often have different strategies for benefits, meaning some cards may offer better rewards than others.
If you're looking for credit cards with the best rewards, look for cards that offer discounts and other perks, such as the 11 favorites mentioned in this article.
Comenity Bank credit cards can be a great option for those who want to earn rewards, but be sure to compare different cards to find the one that best fits your needs.
Discounts and rewards are just a few of the many benefits that Comenity Bank credit cards have to offer.
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Interest Rates
Interest rates can be a major factor in choosing a credit card. The regular APR on this card is 23.24% or 30.24% variable.
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It's worth noting that the purchase intro APR and balance transfer intro APR are both N/A, meaning you won't get a lower interest rate for new purchases or transferring balances.
If you're planning to carry a balance on this card, be aware that the regular APR is quite high. This may not be the best option for you if you're trying to pay off debt quickly.
You can see the specific interest rates for this card below:
- Regular APR: 23.24% or 30.24% variable
- Purchase intro APR: N/A
- Balance transfer intro APR: N/A
Key Features
If you're considering a Comenity Bank credit card, one of the key features to look out for is cash back rewards. You can earn 1.5% unlimited cash back with the Comenity Mastercard Credit Card.
The Comenity Mastercard Credit Card also offers a $100 cash back reward, via statement credit, when you spend $500 or more within 90 days of opening the card.
Another benefit of this card is its no annual fee policy, making it a cost-effective option for those who want to earn rewards without paying extra.
Here are some specific rewards benefits you can expect with the LoveLoft Mastercard:
- 15% off your loft purchases
- 5 LoveLoft Reward Points for every $1 spent on Ann Taylor, LOFT, Ann Taylor Factory Outlets, Loft/Online shops, and 1 LoveLoft Point for all other purchases
- $20 for 2,000 points earned and $20 for expenses at ANN Inc.
- 15% off every first Tuesday of the month
- Big surprise rewards without annual fees
Alternatives and Methodology
Forbes Advisor considers a variety of criteria when assigning credit cards a rating. Cards are graded based on numerous factors including annual fees, welcome bonus offers, ongoing earning rates, value of cash back, and additional cardholder benefits.
The card features that cardholders use the most often are weighted more heavily in our ratings. This means that the factors that are most important to everyday card usage are given more emphasis.
To learn more about our rating and review methodology, check out our guide on How Forbes Advisor Rates Credit Cards.
Comparing the Best
Comenity Bank offers over a hundred credit cards with various retailers, including co-branded cards for popular national brands.
Many retailers have specific cards for certain regions, but the bank also offers national brand cards.
You can expect a discount on your first purchase with most Comenity Bank credit cards, usually between 10% and 20%.
Some credit cards offer better benefits than others, and participating businesses have different strategies for the benefits they offer to cardholders.
To find the best rewards, look for the Comenity Bank credit cards that offer the biggest benefits.
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Alternatives to the

If you're looking for alternatives to traditional methods, consider using online platforms for data collection. These platforms can be accessed from anywhere with an internet connection, making it easier to gather information.
Some online platforms, like Google Forms, offer free templates and easy-to-use interfaces that can save you time and effort. They can also be used to collect data from a large number of people.
Using online platforms can also help reduce costs associated with traditional methods, such as printing and shipping. This can be especially beneficial for small-scale projects or those with limited budgets.
Online platforms can also provide real-time data analysis, allowing you to make informed decisions quickly. This can be particularly useful in situations where time is of the essence.
Another alternative to traditional methods is to use mobile apps for data collection. Mobile apps like SurveyMonkey can be downloaded onto a smartphone and used to collect data from a large number of people.
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Methodology

Forbes Advisor's rating system is based on a variety of criteria, including annual fees, welcome bonus offers, and ongoing earning rates.
The factors used to determine a card's rating are weighted, with card features that cardholders use most often given more importance.
Annual fees are considered, as well as the value of cash back earned and additional cardholder benefits.
We also consider the value of cash back, which is a key factor in determining the overall rating of a card.
Card features like welcome bonus offers and ongoing earning rates are also taken into account.
To learn more about the rating and review methodology, check out the guide on How Forbes Advisor Rates Credit Cards.
Here are the specific factors used in the rating system, along with their relative importance:
Benefits and Drawbacks
Comenity Bank credit cards offer a range of benefits, but it's essential to consider the drawbacks as well.
Comenity credit cards come with tap to pay technology and can be added to your phone's e-wallet for convenient payment options.
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You can earn cash back on all your purchases and redeem them as statement credit, making it a straightforward and rewarding experience.
Comenity Bank credit cards offer zero liability for unauthorized purchases, providing peace of mind for cardholders.
However, Comenity lacks customer service, with many cardholders reporting late payments, resulting in fees and a deterioration in their creditworthiness.
To avoid this, make your payments on time before the due date to ensure they're received.
Here are some benefits and drawbacks of Comenity Bank credit cards:
If you're looking to earn credit or rebuild your credit score, Comenity cards can be a good option, especially if you shop frequently at a particular store.
Store-branded credit cards can offer rewards for buying at that store, making them a valuable choice for frequent shoppers.
However, if you're facing a low credit score, it's often better to open a General Rewards credit card instead of a Comenity loyalty card.
Comenity-issued store cards can offer additional cash back or points for frequent shoppers, making them a great option for those who regularly shop at a particular store.
Ultimately, it's essential to weigh the benefits and drawbacks of Comenity Bank credit cards before applying for one.
Rewards and Earning
You can earn rewards with Comenity Bank credit cards, but the specifics vary by card. The Ulta Beauty Rewards card offers two points per dollar spent, redeemable for $3 or more depending on the quantity.
Some cards offer higher earning rates for specific purchases, like the Visa Insurance Card, which gives 3 points for every $1 spent on Farmers products, gasoline, or home improvement items. Others offer a flat rate, such as the Express Credit Card's 20 points per dollar spent.
The Venus Credit Card offers exclusive rewards, including a $15 discount on the first purchase, a $15 gift certificate on the cardholder's birthday, and $5 for every $100 spent at the Venus store.
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Express
If you're a frequent shopper at Express, consider getting their credit card. You'll get an annual $20 birthday gift and automatic Influencer status in the Express Insider program.
The Express Credit Card offers a decent rewards system, earning you 20 points per dollar spent. For every 1,250 points earned, you'll receive $5 in Express Cash.
To boost your earnings and rewards, aim for A-List status, which you can achieve after earning 10,000 points. This status will give you more points and Express Cash for your purchases.
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Venus
The Venus Credit Card is a great option for those who shop frequently at the Venus Store. It offers exclusive rewards and promotions to loyal buyers, including a $15 discount for first-time users.
One of the benefits of this card is the $15 gift certificate received on the cardholder's birthday. This is a nice surprise for anyone who loves shopping at the Venus Store.
To qualify for this card, you'll need a credit score between 620 and 850 with no annual fee. The annual purchase rate is 25.24%, which is a bit higher than some other cards.
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Here are some of the rewards and benefits you can expect from the Venus Credit Card:
- $15 discount for first-time users
- $15 gift certificate on the cardholder's birthday
- $5 reward for every $100 spent at the Venus Store
- Surprise offers and promotions from the Venus Store
Overall, the Venus Credit Card is a good choice for those who want to earn rewards and benefits while shopping at the Venus Store.
Rewards Potential
The Ulta Beauty Rewards card can give you a significant discount on your first purchase, so if you get it, make that purchase a large one. This can help you earn points faster and get more value out of your rewards.
You can earn two points per dollar spent with the Ulta Beauty Rewards card, and redeem points starting at 100 points for $3. The value of your points increases if you redeem them in higher quantities.
The total cash back earned by a sample household with the Ulta Beauty Rewards card would be about $593.18, plus the welcome bonus. This is based on annual spending of $39,545 and assuming 50% of expenses are charged to the card.
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To maximize your rewards, consider your shopping habits and compare the rewards earned for any card you are considering. This will help you make an informed decision and choose the card that best fits your needs.
Here's a rough estimate of the rewards potential for some popular Comenity Bank credit cards:
Keep in mind that these estimates are based on sample households and actual rewards earned may vary depending on individual spending habits and card usage.
Store and Business Rewards
You can earn rewards with Comenity Bank credit cards, but the benefits vary from store to store. For example, the Torrid Credit Card offers two 30% discount cards per year and a $15 discount on a $50 purchase.
If you shop frequently at a particular store, getting their store credit card can be valuable, as it often offers rewards for buying at that store. You may see things like sign-up bonuses and special deals just for cardholders.
The annual purchase rate is 29.99%, which is quite high for a credit card, but you can take advantage of great discounts if you only want to make an expensive purchase once.
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Love Loft
Love Loft offers a credit card service through Comenity bank, known as the LoveLoft MasterCard credit card.
If you frequently buy lofts from Love Loft, this credit card might be a good option for you.
The LoveLoft MasterCard credit card is a good choice for discount shoppers who can't qualify for better cards.
You can earn rewards with the LoveLoft MasterCard credit card, but the specific details are not provided in the article section facts.
Discount shoppers who use the Big Lots Credit Card, another card mentioned in the article, can earn 5 percent return on their purchases after spending $100.
Here's a comparison of the rewards rates for the Big Lots Credit Card and the LoveLoft MasterCard credit card:
Business Rewards
Business Rewards can be a great perk for business owners, especially if they have a loyal customer base. For example, the Torrid Credit Card offers two 30% discount cards per year and a $15 discount on the purchase of a $50 card, making it a valuable benefit for cardholders who shop frequently at Torrid.
Some Comenity Bank credit cards offer rewards in the business, such as discounts and permanent benefits for cardholders. This can be a great way to incentivize repeat business and build customer loyalty.
If you're a business owner, you can check the terms and conditions for each credit card offer and loyalty program in your store to see what benefits are available. This can help you make informed decisions about which credit cards to offer to your customers.
Comenity Bank credit cards can be a good option for businesses that want to offer rewards to their customers. However, it's worth noting that the annual purchase rate is 29.99%, which is quite high for a credit card.
Here are some benefits of Comenity Bank credit cards for businesses:
- Discounts and permanent benefits for cardholders
- Ability to earn rewards in the business
- Option to offer rewards to loyal customers
Frequently Asked Questions
What is the easiest Comenity card to get?
If you're looking for a Comenity card with a relatively easy approval process, consider the Zales Credit Card or Ann Taylor Store Card, both of which require fair credit and have no annual fee.
What store cards are issued by Comenity Bank?
Comenity Bank issues store cards for Abercrombie & Fitch, American Home, American Kennel Club, Ann Taylor, Appleseed's, Arhaus, Archarge, Ashley Stewart, and Avenue. These store cards can be applied for online through Comenity Bank's website or by phone.
Sources
- https://www.cardratings.com/credit-card-list.html
- https://www.bankrate.com/credit-cards/issuers/guide-to-comenity-bank-issued-credit-cards/
- https://www.forbes.com/advisor/credit-cards/reviews/comenity-credit-card/
- https://financesage.net/best-comenity-bank-credit-cards/
- https://www.creditdonkey.com/comenity-bank-credit-cards.html
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