The Comenity Bank Store Credit Cards List (Incentives, Terms, etc Shown)

Comenity offers over 125 credit programs, including a wide range of store credit cards for clothing, jewelry, home goods, and outdoor gear. Some of the most popular Comenity Bank store credit cards include Bed Bath & Beyond, Buckle, David’s Bridal, DSW, GameStop, IKEA, Lane Bryant, Sephora, Wayfair, and Zales. Below, we have the list of Comenity store credit cards, plus the incentives and terms for each retailer’s cards.

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What to Know About Comenity Credit Cards

Comenity is the company behind Comenity Bank and Comenity Capital Bank. Comenity manages over 125 credit programs, including the credit accounts of many common clothing, furniture, and other retailers.

Some people use store credit cards to build their credit if they are unable to get approved for other cards. Many are attracted by the discounts and incentives they provide. For example, many stores have rewards programs attached to their credit cards that give customers coupons or special promotions from time to time when they use their store card.

Many store credit cards also have programs that offer customers rewards for shopping (e.g., earn a $20 in-store reward for every $200 you spend). These can be especially valuable if you frequently shop at a particular store.

Comenity cards have the reputation of being one of the easier credit cards to get approved for; Comenity has more than 40 million customers. Approval can be particularly easy if you know how (and where) to use the shopping cart trick. If this trick is successful, you should be able to get approved for a credit card without a hard pull of your credit score and even without buying anything. This can be a plus if you don’t want the decrease in your credit score that a hard pull would bring, or if your credit score is already too low to get most credit cards.

Comenity’s additional non-retail credit partners include ALPHAEON, American Kennel Club, Caesars Entertainment, Farmers Insurance, HealthiPlan, Interval World, Orbitz, Smile Generation, Westgate Resorts, and Wyndham Vacation Club.

What to Know Before Applying

Application Requirements

You must meet the following requirements to qualify for a Comenity credit card:

  • Be 18 years of age or older
  • Have a U.S. address
  • Must provide your name, address, phone number, date of birth, annual income, and Social Security number or Individual Taxpayer Identification Number
  • Comenity does not have one set credit score requirement, but open loop cards (Visa, Discover, and Mastercard) require a higher score; a fair credit score of around 640 or higher will qualify you for most closed loop Comenity store cards.

Knowing which companies will only require a soft pull on your credit (like Comenity) will help ensure that your credit score isn’t affected when you apply for a card.

Responsible Credit Card Use

Similar to any other credit card, it is important to spend responsibly with a Comenity store credit card. Paying off your credit card in full each month makes the most financial sense and is one way to build your credit. However, if you can’t trust yourself to use a credit card wisely, you may want to stick to other payment options like cash or a debit or prepaid card. For more on the pros and cons of store credit cards, see our article on Capital One store-branded credit cards.

Comenity Bank Store Credit Card Details

Below, we have compiled the terms, fees, and incentives for each Comenity Bank store credit card.

Beauty

Harmon Face Values

  • Open or closed loop: Closed (Harmon Face Values Store Credit Card) and open (Harmon Face Values Mastercard) available
  • Incentives:
    • Welcome coupon upon approval
    • Up to 5% back in rewards
    • Six- or 12-month special financing
    • Exclusive deals for cardholders
    • Rewards certificates.
  • Terms/Fees: Neither Harmon Face Values card has an annual fee. Late and returned payment fees go up to $39.
  • Find out more or apply

Sephora

  • Open or closed loop: Closed (Sephora Credit Card) and open (Sephora Visa) available
  • Incentives:
    • Discount on your first card purchase
    • Up to 4% back in rewards
    • Visa cardholders have access to emergency card replacement, auto rental coverage, and roadside dispatch
  • Terms/Fees: Neither Sephora credit card has an annual fee. There are late and returned payment fees up to $39.
  • Find out more or apply

Ulta

  • Open or closed loop: Closed (Ultamate Rewards Credit Card) and open (Ultamate Rewards Mastercard) available
  • Incentives:
    • Discount on your first card purchase
    • Up to two rewards points for every dollar spent
    • Bonus point opportunities
  • Terms/Fees: There are no annual fees. Late and returned payment fees range up to $39.
  • Find out more or apply

Clothing/Accessories

Ann Taylor

  • Open or closed loop: Closed (ALL Rewards) and Open (ALL Rewards Mastercard) options available
  • Incentives:
    • Earn up to five rewards points per dollar spent
    • 15% off on the first Tuesday of every month
    • Birthday gift
    • Free standard shipping on purchases over $75
    • Double points days
    • Additional $20 reward and reward points opportunities for Mastercard members
  • Terms/Fees: Neither ALL Rewards card has an annual fee. Late payment fees are up to $39, and returned payment fees are up to $25.
  • Find out more or apply

Appleseed’s

  • Open or closed loop: Closed; however, you can also use your card and earn rewards at Blair, Haband, and Old Pueblo Traders.
  • Incentives:
    • 15% off your first order using the credit card
    • $10 rewards for every $150 spent
    • 25% off birthday savings
    • Members-only discounts
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $38.
  • Find out more or apply

Avenue

  • Open or closed loop: Closed
  • Incentives:
    • 20% off your first purchase after approval
    • 40% off one item for your birthday
    • One reward point per dollar spent
    • Advance notice of sales and events
  • Terms/Fees: There is no annual fee. Late fees are up to $39, and returned payment fees are up to $25.
  • Find out more or apply

Blair

  • Open or closed loop: Closed; however, you can also use your card and earn rewards at Appleseed’s, Haband, and Old Pueblo Traders.
  • Incentives:
    • $10 rewards certificate for every $150 you spend
    • Special birthday offer
    • Welcome coupons
  • Terms/Fees: There is no annual fee. Late and returned payment fees are up to $39.
  • Find out more or apply

Boot Barn

  • Open or closed loop: Closed
  • Incentives:
    • 15% off your first purchase
    • Earn two points for every dollar spent
    • $15 reward for every 250 points you earn
    • Welcome and birthday offers
  • Terms/Fees: There is no annual fee. Late and returned payment fees are up to $39.
  • Find out more or apply

Buckle

  • Open or closed loop: Closed
  • Incentives:
    • Birthday rewards
    • Rewards accrue at one point for every dollar spent
    • Black ($500 to $999 annual spend) and Exclusive (over $1,000 annual spend) cardmembers receive additional perks like free shipping, double point promotions, and extended point redemption
  • Terms/Fees: Late fees are up to $39, and returned payment fees are up to $25. There are no annual fees for Buckle credit cards.
  • Find out more or apply

Burkes Outlet

  • Open or closed loop: Closed
  • Incentives:
    • Two reward points for every dollar spent
    • 15% off every Monday for cardholders 50 and older
    • 15% off every Friday for cardholders 49 and under
    • Members-only offers and promotions
  • Terms/Fees: There is no annual fee. Late and returned payments will incur fees up to $39.
  • Find out more or apply

Catherines

  • Open or closed loop: Closed
  • Incentives:
    • 15% off your first purchase
    • Earn rewards points for every purchase
    • $10 reward certificate for every 3,000 points you earn
    • Birthday and members-only discounts
    • Free standard shipping on purchases over $100
    • Private shopping events
  • Terms/Fees: There is no annual fee. Late and returned payments will incur fees up to $39.
  • Find out more or apply

Christopher & Banks

  • Open or closed loop: Closed
  • Incentives:
    • 15% off your first purchase
    • 500-point welcome bonus and $15 welcome coupon
    • Earn 15 points per dollar spent
    • $10 reward certificate when you earn 2,500 points
    • Free standard shipping on orders $35 or over
    • Members-only events
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

Coldwater Creek

  • Open or closed loop: Closed (Coldwater Creek store card) and open (Coldwater Creek Mastercard) options available
  • Incentives:
    • Earn up to five points for every dollar you spend
    • $10 reward for every 1,000 points you earn
    • $25 birthday coupon for a purchase over $100 during your birthday month
    • Free shipping and double points events
  • Terms/Fees: There are no annual fees for Coldwater Creek’s credit cards. Late and returned payment fees range up to $38.
  • Find out more or apply (paid partner link)

David’s Bridal

  • Open or closed loop: Closed
  • Incentives:
    • 6- or 12-month special financing on select purchases
  • Terms/Fees: There is no annual fee; late and returned payment fees are up to $39.
  • Find out more or apply

Drapers & Damons

  • Open or closed loop: Closed
  • Incentives:
    • 10% off your first purchase
    • $10 in rewards for every $150 you spend
    • 25% birthday discount
    • Exclusive cardmember discounts and double rewards days
  • Terms/Fees: There is no annual fee. Late and returned payments will incur fees up to $38.
  • Find out more or apply

DSW

  • Open or closed loop: Open (Visa)
  • Incentives:
    • Earn one to three points for every dollar you spend
    • $5 reward for every 100 points you earn
    • Free return shipping
    • $25 welcome offer
  • Terms/Fees: There are no annual fees for DSW credit cards. Late and returned payment fees range up to $38.
  • Find out more or apply

Eddie Bauer

  • Open or closed loop: Closed
  • Incentives:
    • Additional 2% in rewards for Adventure Rewards members
    • Free return shipping
    • 10% discount when you open and use your Eddie Bauer credit card
    • Exclusive cardholder deals, sales, and promotions
  • Terms/Fees: There is no annual fee for the Eddie Bauer credit card. Late and returned payments will incur fees up to $39.
  • Find out more or apply

Express

  • Open or closed loop: Closed
  • Incentives:
    • 20% off your first purchase
    • Earn 20 points for every dollar spent
    • Reward certificate every 2,500 points
    • Exclusive birthday gift and members-only offers
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

Fashion to Figure

  • Open or closed loop: Closed
    • Incentives:
    • $10 reward for every $200 spent
    • $10 birthday coupon
    • Cardholder appreciation events
    • Free shipping days
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

Forever 21

  • Open or closed loop: Closed (Forever 21 Credit Card) and open (Forever 21 Visa) options available
  • Incentives:
    • 20% off your first regular-price purchase using your card and 15% off of a future purchase
    • Earn 5% or 3 points in rewards for every dollar spent
    • Exclusive birthday and anniversary discounts
    • Exclusive cardholder offers and free shipping events
  • Terms/Fees: There are no annual fees for either Forever 21 credit card. Late and returned payment fees go up to $39.
  • Find out more or apply

Fullbeauty

  • Open or closed loop: Closed
  • Incentives:
    • $10 off your first order
    • $10 bonus reward in your first billing statement
    • Earn rewards with every purchase
    • 20% birthday reward
    • Four free shipping events per year
    • 90-day special financing option
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

Hot Topic

  • Open or closed loop: Closed
  • Incentives:
    • 15% off your first purchase
    • Two shopping passes for $20 off of a $50 purchase per year
    • Earn VIP status after you reach 500 points
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

J.Crew

  • Open or closed loop: Closed
  • Incentives:
    • Earn two points for every dollar spent
    • Free standard shipping and alterations
    • Members-only sale events and discounts
    • Exclusive birthday gift
  • Terms/Fees: There is no annual fee. Late payment fees are up to $39, and returned payment fees are up to $25.
  • Find out more or apply

JD Williams

  • Open or closed loop: Closed
  • Incentives:
    • 15% off your first order
    • $20 off your second order when you spend $100
    • Earn points for every dollar you spend and a $10 voucher for every 200 points
    • $20 voucher for an order over $100 in your birthday month
  • Terms/Fees: There is no annual fee. Late and returned payments will incur fees up to $38.
  • Find out more or apply

Jessica London

  • Open or closed loop: Closed
  • Incentives:
    • $10 off your first purchase
    • $10 bonus reward in your first billing statement
    • Earn rewards with each purchase
    • 20% off birthday offer
    • Four free shipping events per year
    • 90-day “buy now, pay later” option
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

J.Jill

  • Open or closed loop: Closed
  • Incentives:
    • 15% off your first purchase using the credit card
    • 5% off future purchases using the credit card
    • 20% off birthday discount
    • Early sale access and members-only offers
  • Terms/Fees: There is no annual fee. Late payment fees go up to $39, and the returned payment fee is up to $25.
  • Find out more or apply

King Size

  • Open or closed loop: Closed
  • Incentives:
    • $10 off your first order
    • $10 bonus reward in your first billing statement
    • Earn two points for each dollar you spend
    • 20% birthday discount
    • Four free shipping events per year
    • 90-day “buy now, pay later” option
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

Lands’ End

  • Open or closed loop: Closed (Lands’ End store card) and open (Lands’ End Visa) options available
  • Incentives:
    • Earn up to five points per dollar you spend
    • $5 reward certificate for every 500 points you earn
    • 50% off your first purchase using the card
    • Free standard shipping
    • $50 off a $100 order during your birthday month
    • Additional rewards and point-earning opportunities for Lands’ End Visa cardholders
  • Terms/Fees: There are no annual fees Lands’ End credit cards. Late and returned payment fees range up to $39.
  • Find out more or apply

Lane Bryant

  • Open or closed loop: Closed
  • Incentives:
    • Earn at least 15 points for every dollar you spend
    • $10 reward certificate for every 3,000 points you earn
    • Exclusive birthday offer
    • Free standard shipping and extended returns
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

Lucky Brand

  • Open or closed loop: Closed
  • Incentives:
    • 15% off welcome offer
    • 5% off on future purchases
    • $10 to $20 birthday certificate
    • Free standard shipping on qualifying orders
    • Members-only offers and early access to sales
  • Terms/Fees: There is no annual fee for the Lucky Brand Rewards credit card. Late and returned payments will incur fees up to $38.
  • Find out more or apply

New York & Company

  • Open or closed loop: Closed
  • Incentives:
    • $10 to $20 in rewards for every $200 spent
    • Birthday coupon
    • Cardholder appreciation events
    • Free shipping days
  • Terms/Fees: There is no annual fee for the New York & Company Runway Rewards credit card. Late payment fees are up to $39, and returned payment fees are up to $25.
  • Find out more or apply

Old Pueblo Traders

  • Open or closed loop: Closed; however, you can also use your card and earn rewards at Appleseed’s, Blair, and Haband.
  • Incentives:
    • $10 in rewards for every $150 you spend
    • Free shipping on your first orders of $25 or more
    • Birthday offer
  • Terms/Fees: There are no annual fees for the Old Pueblo Traders credit card. Late and returned payments will incur fees up to $38.
  • Find out more or apply

Roaman’s

  • Open or closed loop: Closed
  • Incentives:
    • $10 off your first order
    • $10 bonus reward in your first billing statement
    • Earn rewards with every purchase
    • 20% off birthday discount
    • Four free shipping offers per year
    • 90-day “buy now, pay later” option
  • Terms/Fees: There is no annual fee. Fees for late and returned payments are up to $39.
  • Find out more or apply

Stage Stores (Bealls, Goody’s, Gordmans, Palais Royal, Peebles, and Stage)

  • Open or closed loop: Closed
  • Incentives:
    • Birthday gift for cardholders
    • Earn points on each purchase
    • $5 in Payback Rewards for every 100 points you earn
  • Terms/Fees: There is no annual fee; late and returned payment fees range up to $39.
  • Find out more or apply

Talbots

  • Open or closed loop: Closed
  • Incentives:
    • $25 reward when you earn 500 points
    • 15% off birthday reward
    • Bonus point events and members-only discounts
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

Torrid

  • Open or closed loop: Closed
  • Incentives:
    • Welcome offer of $15 off of a $50 purchase
    • 25% off your first online purchase using the card
    • 5% off on future purchases
    • Members-only sales and offers
  • Terms/Fees: There is no annual fee. Late payment fees are up to $39, with returned payment fees up to $25.
  • Find out more or apply

Venus

  • Open or closed loop: Closed
  • Incentives:
    • $15 birthday certificate
    • Easy exchanges
    • Double and triple point offers
    • Members-only offers
  • Terms/Fees: There is no annual fee. Late and returned payments will incur fees up to $39.
  • Find out more or apply

Victoria’s Secret

  • Open or closed loop: Closed
  • Incentives:
    • Birthday discount
    • Bonus rewards
    • Free shipping
    • Members-only sale events and giveaways
    • Angel VIP ($250 annual spend) and Angel Forever ($500 annual spend) cardholders also earn a half-birthday gift and anniversary discount
  • Terms/Fees: There is no annual fee for the Victoria’s Secret credit card. Late fees are up to $39, and returned payment fees are up to $25.
  • Find out more or apply

Woman Within

  • Open or closed loop: Closed; however, you can use the Woman Within card for other FullBeauty brands (Brylane Home, Ellos, FullBeauty, Jessica London, KingSize, and Roaman’s)
  • Incentives:
    • Earn rewards with every purchase
    • 20% off birthday reward
    • Four free shipping events per year
    • 90-day “buy now, pay later” option
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

Department Stores

Boscov’s

  • Open or closed loop: Closed
  • Incentives:
    • 15% off your first day’s purchases
    • Welcome offer of 100 bonus reward points, a 15% off savings certificate, and $20 off a purchase of $100 or more
    • Exclusive birthday savings, cardholder appreciation events, and promotional financing
  • Terms/Fees: There is no annual fee. Comenity will charge up to $39 for late payments, and $25 for returned payments.
  • Find out more or apply (paid partner link)

Century 21

  • Open or closed loop: Closed
  • Incentives:
    • Earn up to four points for every dollar you spend
    • Free standard shipping on qualifying orders
    • 20% off birthday coupon
    • 15% off your first purchase using the card
    • VIP checkout line
    • Members-only events
  • Terms/Fees: There is no annual fee for the C21 STATUS credit card. Late and returned payment fees range up to $39.
  • Find out more or apply

Haband

  • Open or closed loop: Closed; however, you can also use your card and earn rewards at Appleseed’s, Blair, and Old Pueblo Traders.
  • Incentives:
    • Birthday offer
    • Exclusive email deals
    • Members-only savings and coupons
    • Priority customer service line
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

Note: See our related article for department store credit card options that offer instant approval.

Electronics/Games

Adorama

  • Open or closed loop: Closed
  • Incentives:
    • 6- and 12-month no-interest financing offers
    • Extended 24- and 48-month offers available for certain brands including Focusrite, Rode Microphones, and Sennheiser
  • Terms/Fees: There is no annual fee; late and returned payments will incur fees up to $38.
  • Find out more or apply

GameStop

  • Open or closed loop: Closed
  • Incentives:
    • Earn bonus points when you make your first GameStop PowerUp Rewards Credit Card purchase
    • Exclusive cardmember discounts
    • Promotional financing options
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

Furniture/Home Goods

Arhaus Furniture

  • Open or closed loop: Closed
  • Incentives:
    • $100 back in rewards for every $1,500 spent
    • 6- or 12-month special financing
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $38.
  • Find out more or apply

Ballard Designs

  • Open or closed loop: Closed
  • Incentives:
    • $50 new cardholder bonus
    • 20% birthday discount
    • Up to 10% back in rewards
    • 12-month deferred interest financing
    • Exclusive promotions, in-store events, and product updates
  • Terms/Fees: There is no annual fee. Late payment fees are up to $38, and returned payment fees are up to $25.
  • Find out more or apply

Bed Bath & Beyond

  • Open or closed loop: Closed (store card) and open (Mastercard) options available
  • Incentives:
    • Rewards certificate with your first purchase of $20 or more
    • 6- or 12-month special financing
    • Up to 5% back in rewards for every dollar spent
    • Exclusive cardholder offers
    • Welcome coupon
  • Terms/Fees: Neither Bed Bath & Beyond card has an annual fee. Late and returned payments may incur fees up to $39.
  • Find out more or apply

Big Lots

  • Open or closed loop: Closed
  • Incentives:
    • 6- or 12- month special financing
    • In-store account lookup if you forget your Big Lots credit card
    • Exclusive offers for cardholders
  • Terms/Fees: Late and returned payment fees range up to $39. There is no annual fee.
  • Find out more or apply

Brylane Home

  • Open or closed loop: Closed
  • Incentives:
    • $10 off your first order
    • $10 reward in your first billing statement
    • 20% off for your birthday
    • Free shipping events
    • 90-day “pay later” financing option
  • Terms/Fees: There is no annual fee. Late and returned payment fees are up to $39.
  • Find out more or apply

Christmas Tree Shops and That!

  • Open or closed loop: Open (Mastercard)
  • Incentives:
    • Up to 5% back in rewards
    • Six- and 12-month financing options with deferred interest
    • Earn an additional $25 certificate when you spend $1,000 in the first six months or $75 certificate when you spend $6,000 in the first six months
  • Terms/Fees: There is no annual fee. Late and returned payments will incur fees up to $39.
  • Find out more or apply

Cost Plus World Market

  • Open or closed loop: Open (Mastercard)
  • Incentives:
    • Six- and 12-month financing options with deferred interest
    • Up to 5% back in rewards on each purchase
    • Additional gift certificate opportunities
  • Terms/Fees: There is no annual fee. Late and returned payment fees are up to $39.
  • Find out more or apply

El Dorado Furniture

  • Open or closed loop: Closed
  • Incentives:
    • Special financing offers for six to 24 months
    • $100 accessory certificate upon approval
    • Members-only events and savings
    • Free gift during your birthday month
  • Terms/Fees: There is no annual fee. Late and returned payments will incur fees up to $39.
  • Find out more or apply

Frontgate

  • Open or closed loop: Closed
  • Incentives:
    • $50 new cardholder bonus
    • $25 reward certificate for every $250 spent
    • 20% off birthday offer
    • Special financing for purchases over $799
    • Members-only promotions, events, and product updates
  • Terms/Fees: There is no annual fee. Late payment fees range up to $38, and returned payment fees are up to $25.
  • Find out more or apply

Gardner-White

  • Open or closed loop: Closed
  • Incentives:
    • Special financing options
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $38.
  • Find out more or apply

Grandin Road

  • Open or closed loop: Closed
  • Incentives:
    • $25 reward certificate for every $250 you spend
    • 6- and 12-month special financing options
    • $50 new cardholder bonus reward
    • 20% off on your birthday
    • Free upgrades to in-home delivery on qualifying items
    • Members-only sales
  • Terms/Fees: There is no annual fee. Returned payment fees are up to $25, and late payment fees are up to $38.
  • Find out more or apply

IKEA

  • Open or closed loop: Closed (IKEA Projekt card) and open (IKEA Visa) options available
  • Incentives:
    • Up to 5% back in rewards
    • Exclusive cardholder savings
    • $25 welcome coupon
    • Deferred interest financing options
  • Terms/Fees: There are no annual fees for either IKEA credit card. Both have late and returned payment fees up to $39.
  • Find out more or apply

Overstock

  • Open or closed loop: Closed
  • Incentives:
    • Earn $30 in welcome rewards when you make your first purchase of over $300 using the card
    • 24-month deferred interest financing
    • Exclusive discounts
  • Terms/Fees: There is no annual fee, but there are penalties up to $39 for late and returned payments.
  • Find out more or apply

Pier 1

  • Open or closed loop: Closed
  • Incentives:
    • Earn rewards on each purchase
    • Extended return period
    • Members-only, in-store saving events
    • Welcome offer of 15% to 20% off
    • Birthday gift of 10% to 20% off
  • Terms/Fees: Late and returned payment fees go up to $39. There is no annual fee.
  • Find out more or apply

Pottery Barn (Pottery Barn, Pottery Barn Kits, and PB Teen)

  • Open or closed loop: Closed
  • Incentives:
    • 10% in rewards
    • 12-month special financing
    • Double Rewards events
  • Terms/Fees: There is no annual fee. Late and returned payments will incur fees up to $39.
  • Find out more or apply

Restoration Hardware

  • Open or closed loop: Closed
  • Incentives:
    • Special financing options with deferred interest
  • Terms/Fees: There is no annual fee. There are fees up to $38 for late and returned payments.
  • Find out more or apply

The RoomPlace

  • Open or closed loop: Closed
  • Incentives:
    • Special financing offers ranging from six to 72 months
    • Advance notice of promotions and special offers
  • Terms/Fees: There is no annual fee. Late and returned payments will incur fees up to $38.
  • Find out more or apply

Wayfair

  • Open or closed loop: Closed
  • Incentives:
    • 3% back in rewards
    • Special financing offers
    • Free shipping with no minimum order
    • $25 off your first order of $100 or more
  • Terms/Fees: There is no annual fee. Late and returned payment fees are up to $39.
  • Find out more or apply (paid partner link)

West Elm

  • Open or closed loop: Closed
  • Incentives:
    • Up to 10% back in rewards
    • Special financing offers
    • $50 welcome Reward Dollars bonus
    • $25 Reward Dollars on your birthday
    • Earn $25 in rewards for every $250 spent
    • Bonus reward opportunities
    • Access to the Friends + Family shopping event
    • Members-only customer service line
  • Terms/Fees: There is no annual fee. Late and returned payments will incur fees up to $39.
  • Find out more or apply

Williams Sonoma

  • Open or closed loop: Closed (store card) and open (Visa) options available
  • Incentives:
    • Up to 10% back in rewards
    • Free standard shipping on eligible purchases
    • 20% off and $20 off welcome offers
    • $25 certificate during your birthday month
  • Terms/Fees: There are no annual fees for Williams Sonoma’s credit cards. Late and returned payment fees are up to $39.
  • Find out more or apply

Hardware/Home Improvement

Appliances Connection

  • Open or closed loop: Closed
  • Incentives:
    • Six-, 12-, 18-, and 24-month financing offers
    • 5% back on qualifying purchases
  • Terms/Fees: There is no annual fee. Late and returned payments will incur fees up to $38.
  • Find out more or apply

Build.com

  • Open or closed loop: Closed
  • Incentives:
    • Special financing offers for purchases over $500
    • Free standard and freight shipping
    • Members-only discounts
  • Terms/Fees: There is no annual fee. Late and returned payment fees are up to $38.
  • Find out more or apply

Floor & Decor

  • Open or closed loop: Closed
  • Incentives:
    • 12- and 18-month financing offers with deferred interest
    • 48-month financing offer with low interest
  • Terms/Fees: There is no fee. Late and returned payment fees are up to $39.
  • Find out more or apply

Home & Garden Showplace

  • Open or closed loop: Closed (Home & Garden Showplace credit card) and open (Home & Garden Showplace Discover) options available
  • Incentives:
    • Up to 3% back in rewards
  • Terms/Fees: There are no annual fees. Late and returned payments will incur fees up to $38.
  • Find out more or apply

Houzz

  • Open or closed loop: Closed (Houzz credit card) and open (Houzz Mastercard) options available
  • Incentives:
    • $50 welcome offer
    • Up to 5% back in rewards
    • 6- and 12-month financing offers with deferred interest
  • Terms/Fees: There are no annual fees. Comenity will charge up to $39 for late and returned payments.
  • Find out more or apply

The Tile Shop

  • Open or closed loop: Closed
  • Incentives:
    • 6-, 12-, and 18-month financing offers
    • 15% to 20% off your first purchase
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $38.
  • Find a store to apply

True Value

  • Open or closed loop: Closed (True Value credit card) and open (True Value Discover card) options available
  • Incentives:
    • Up to 3% in rewards on each purchase
    • $5 cardholder anniversary coupon
    • Deferred interest for six months
    • Fraud protection
  • Terms/Fees: There are no annual fees for either True Value credit card. The late and returned payment penalties are up to $38.
  • Find out more or apply

Jewelry

Blue Nile

  • Open or closed loop: Closed
  • Incentives:
    • Exclusive 6-, 12-, 18-, 24-, 36-, 48-, and 60-month financing offers
    • Members-only promotional offers
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $38. Se
  • Find out more or apply

Diamonds International

  • Open or closed loop: Closed
  • Incentives:
    • Promotional financing offers
    • No prepayment penalties
  • Terms/Fees: There is no annual fee, but late and returned payment fees range up to $38.
  • Find out more or apply

Gordon’s Jewelers

  • Open or closed loop: Closed
  • Incentives:
    • Exclusive coupons
    • Jewelry inspection and cleaning notifications
    • 6-, 12-, 18-, and 36-month special financing offers
    • 10% off repairs and services
    • $50 birthday coupon
    • Free standard shipping
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $38.
  • Find out more or apply

Iddeal

  • Open or closed loop: Closed
  • Incentives:
    • Special financing offers
    • No prepayment penalties
  • Terms/Fees: There is no annual fee. Comenity will charge up to $39 for late and returned payments.
  • Find out more or apply

Jared

  • Open or closed loop: Closed
  • Incentives:
    • 12- and 18-month special financing offers
    • Anniversary and birthday offers
    • Sweepstakes entries
  • Terms/Fees: There is no annual fee. Late and returned payment charges may be up to $39.
  • Find out more or apply

Kay Jewelers

  • Open or closed loop: Closed
  • Incentives:
    • 12- and 36-month special financing offers
    • Birthday offer
    • Cardholder anniversary offer
    • Sweepstakes entries
  • Terms/Fees: There is no annual fee for the LONG LIVE LOVE credit card. Late and returned payments will incur fees up to $39.
  • Find out more or apply

Little Switzerland

  • Open or closed loop: Closed
  • Incentives:
    • Exclusive financing offers with deferred interest
  • Terms/Fees: There is no annual fee. Comenity will charge up to $38 for late payments, and $25 for returned payments.
  • Find out more or apply

Mayors

  • Open or closed loop: Closed
  • Incentives:
    • Earn 1% of your purchase total back in rewards
    • Birthday certificate
    • Free gift wrapping
    • Advanced notice of sales
    • Complimentary engraving services
    • Seasonal catalogs
    • Special financing offers
  • Terms/Fees: There is no annual fee. Late and returned payments will incur fees up to $38.
  • Find out more or apply

Piercing Pagoda

  • Open or closed loop: Closed
  • Incentives:
    • $25 off on your birthday
    • Members-only offers
    • Special financing with $0 down payments
  • Terms/Fees: There is no annual fee for the Piercing Pagoda credit card. There are fees up to $38 for late and returned payments.
  • Find out more or apply

Zales

  • Open or closed loop: Closed
  • Incentives:
    • Exclusive birthday discount for cardholders
    • Free standard shipping
    • 10% off on repairs and services
    • 6-, 12-, 18-, and 36-month special financing offers with no down payments
  • Terms/Fees: There is no annual fee. Late and returned payment fees are up to $39.
  • Find out more or apply

Kids

buybuy BABY

  • Open or closed loop: Closed (buybuy BABY store card) and open (buybuy BABY Mastercard) options available
  • Incentives:
    • $20 and $25 welcome rewards certificates
    • Up to 5% back in rewards
    • 6- or 12-month special financing
    • Members-only offers
    • Additional gift certificates available for Mastercard members
  • Terms/Fees: There are no annual fees for either buybuy BABY credit card. Late and returned payment fees are up to $39.
  • Find out more or apply

Carter’s

  • Open or closed loop: Closed
  • Incentives:
    • 30% off your first purchase
    • Free shipping on purchases using the credit card
    • Double points when using the credit card
    • Members-only offers and special event sneak peeks
    • Birthday and welcome offers
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

The Children’s Place

  • Open or closed loop: Closed
  • Incentives:
    • 30% off your first purchase using the credit card
    • 20% off welcome offer
    • Earn rewards on each purchase
    • Bonus events
    • Birthday club access and 25% off birthday discount
  • Terms/Fees: There is no annual fee; late and returned payments incur fees up to $39.
  • Find out more or apply

Pets

Petland

  • Open or closed loop: Closed
  • Incentives:
    • Members-only financing options
    • Earn rewards on qualifying purchases
  • Terms/Fees: There is no annual fee. Late and returned payments will incur fees up to $39.
  • Find out more or apply

Sporting Goods/Outdoors

Academy Sports + Outdoors

  • Open or closed loop: Closed
  • Incentives:
    • $15 off your first purchase
    • 5% off future purchases
    • Free standard shipping on orders of $15 or more
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

Good Sam (Camping World, Gander Outdoors, Good Sam, The House, and Overton’s)

  • Open or closed loop: Closed (Good Sam Rewards Credit Card) and open (Good Sam Rewards Visa, Good Sam Rewards Visa Signature) options available
  • Incentives:
    • Up to five reward points per dollar spent
    • Points redeemable for products, services, or gift cards
  • Terms/Fees: None of the Good Sam credit cards have annual fees. Late and returned payment fees are up to $39.
  • Find out more or apply

Modell’s Sporting Goods

  • Open or closed loop: Closed (Modell’s MVP Credit Card) and open (Modell’s MVP Visa) options available
  • Incentives:
    • Earn rewards points with each purchase
    • Monthly coupons
    • Birthday coupon
  • Terms/Fees: There are no annual fees for either Modell’s credit card. Late and returned payment fees go up to $39.
  • Find out more or apply

Sportsman’s Guide

  • Open or closed loop: Open (Visa)
  • Incentives:
    • Save up to 12.5% on Sportsman’s Guide purchases
    • 1% back in rewards on purchases outside of Sportsman’s Warehouse
    • Bonus reward certificates
  • Terms/Fees: There is no annual fee. Late and returned payment fees are up to $39.
  • Find out more or apply

Trek

  • Open or closed loop: Closed; only valid on in-store purchases at Trek retailers
  • Incentives:
    • Six- or 12-month special financing
    • 24-, 36-, 48-, and 60-month financing options with lower APR
  • Terms/Fees: There is no annual fee. Late and returned payment fees are up to $38.
  • Find out more or apply

Superstores/Wholesale Clubs

BJ’s Wholesale Club

  • Open or closed loop: Open (Mastercard)
  • Incentives:
    • Up to 5% cash back on purchases at BJ’s and elsewhere
    • Discount at BJ’s Gas
  • Terms/Fees: There is no annual fee. Late and returned payment fees range up to $39.
  • Find out more or apply

Meijer

  • Open or closed loop: Closed (Meijer Credit Card) and open (Meijer Mastercard) options available
  • Incentives:
    • $10 off your first purchase using either Meijer credit card
    • Discount on gas at Meijer gas stations
    • $10 reward for every $750 spend
    • Members-only saving events
  • Terms/Fees: There are no annual fees for the Meijer store card or Meijer Mastercard. Late and returned payments will incur fees up to $38.
  • Find out more or apply

Discontinued Comenity Bank Store Credit Programs

Some Comenity Bank store credit cards have either been discontinued or have switched issuers and no longer accept new applicants. Comenity’s former store credit card partners include:

  • American Signature Furniture
  • Ashley Furniture
  • Barneys New York
  • Burlington
  • Carson’s
  • The Company Store
  • Crate & Barrel
  • dressbarn
  • Friedman’s Jewelers
  • Gold Violin
  • Henri Bendel
  • HSN
  • Lenovo
  • The Limited
  • Marathon
  • Maurices
  • metrostyle
  • PacSun
  • REEDS Jewelers
  • Sahalie
  • Sharper Image
  • The Tog Shop
  • Value City Furniture
  • Younkers
  • Z Gallerie

In Summary

As you can see, Comenity store cards are readily available at many popular stores, including BJ’s Wholesale Club, buybuyBABY, Hot Topic, Jared, Pottery Barn, and True Value. Some of the perks of holding a Comenity Bank store credit card include special incentives and shopping rewards.

Comenity’s cards are some of the easiest to get approved for, making them a popular choice for customers with poor or no credit. However, when choosing a Comenity Bank store card, always be aware of the terms and conditions associated with the card and remember to spend wisely.

Suggested further reading: What’s a virtual credit card?

2 comments

  • Mike Taylor says:

    GOT a GRANDIN Store Card / not shown here / 6 months deferred INT for 4 Dog Sofa beds/ $150.00 each and they are charging interest!

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Mike,

      Because Grandin is not well known and has few locations, they didn’t make our list. Thanks for sharing this information with other readers!