Most people have been asked, at some point, to sign up for a store credit card. But what are you getting if you sign up? Even if you’re just getting the card for the 10% off your current purchase, it’s best to know what you’re signing up for in advance.

This article lists the Comenity Bank store credit cards offered by the most well-known retailers, with both incentives and card details such as APR included.

In This Article:

  • The Perks of Comenity Bank Store Credit Cards

  • What to Know Before Using a Comenity Store Credit Card

  • The Comenity Bank Store Credit Cards List

    The Perks of Comenity Bank Store Credit Cards

Comenity is the company behind Comenity Bank and Comenity Capital Bank, both of which manage over 125 credit programs. These include the accounts of many common retailers. Comenity has more than 40 million customers.

Comenity cards have the reputation of being some of the easier credit cards to get approval for, especially if you 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. For more on the shopping cart trick, see this article.

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.

What to Know Before Using a Comenity Store Credit Card

Similar to any other credit card, it is important to spend responsibility with a Comenity store credit card. if you can’t trust yourself to use a credit card wisely, your credit score is unlikely to improve. You may consider getting a store credit card, but only after carefully weighing the pros and cons. For a more detailed discussion, see this article.

The Comenity Bank Store Credit Cards List

We have provided a list of the most popular retailers that offer Comenity store credit cards, along with important information to know about the terms, fees, and incentives associated with these cards.

Note: None of the cards offer instant approval.

1. Abercrombie & Fitch

  • Incentives: $25 off your first purchase, exclusive cardholder offers, a birthday surprise
  • APR: 25.49%
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Returned Payment Fee: Up to $25
  • Open or Closed Loop: Closed
  • For more details, go to this page

2. Bealls

  • Incentives: $5 Payback Reward for every $100 spent with any form of payment, Christmas reward, birthday gift, Club 40 and fabulous discounts
  • APR: 25.49%
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Returned Payment Fee: Up to $38
  • Open or Closed Loop: Closed
  • For more details, go to this page

3. Bed Bath & Beyond

  • Incentives: 5% back in rewards for every $1 you spend at Bed Bath & Beyond, 2% back in rewards for every $1 you spend on gas and groceries, 1% back in rewards for every $1 you spend anywhere else, no interest if paid in full within the 6 or 12 month promotional period
  • APR: 24.49%, 18.49%, or 14.49%, based on your credit worthiness
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Returned Payment Fee: Up to $38
  • Open or Closed Loop: Open (MasterCard)
  • For more details, go to this page

4. Big Lots

  • Incentives: Special financing options, 24/7 online account management
  • APR: 29.99%
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Returned Payment Fee: Up to $38
  • Open or Closed Loop: Closed
  • For more details, go to this page

5. Buckle

  • Incentives: 10% off your first purchase, $10 B-Rewards for every 300 points earned, birthday rewards, special offers, online bill pay
  • APR: 25.49%
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Returned Payment Fee: Up to $25
  • Open or Closed Loop: Closed
  • For more details, go to this page

6. Camping World/Good Sam

  • Incentives: 5 rewards points for every $1 spent on Good Sam memberships, products and services and purchases at Camping World, 3 rewards points for every $1 spent at gas stations and private campgrounds across the U.S and Canada,1 rewards point for every $1 spent on all other purchases everywhere else; 2,000 bonus points the first time you use the card, double points for purchases outside Camping World for the first 90 days (up to 2,000 points)
  • APR: 25.49%, 20.49%, or 14.49%, based on credit worthiness
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Returned Payment Fee: Up to $38
  • Open or Closed Loop: Open (Visa)
  • For more details, go to this page 

7. Crate & Barrel

  • Incentives: Earn $20 in rewards for every $200 you spend in stores and online, when rewards are chosen; or receive 6 months special financing; receive exclusive offers and events
  • APR: 27.49%
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Returned Payment Fee: Up to $38
  • Open or Closed Loop: Closed
  • For more details, go to this page

8. David’s Bridal

  • Incentives: Advance notice of sales and special offers, early access to new looks, online account management and bill payment, special financing options
  • APR: 27.49%
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Returned Payment Fee: Up to $38
  • Open or Closed Loop: Closed
  • For more details, go to this page

9. Eddie Bauer

  • Incentives: Join Adventure Rewards and earn an additional 2% in rewards on every purchase; free return shipping, invitations to pre-shopping events and special sales, save an extra 10% when you open and use your card
  • APR: 27.49%
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Returned Payment Fee: Up to $38
  • Open or Closed Loop: Closed
  • For more details, go to this page

10. Forever 21

  • Incentives: 15% off your first purchase, $5 rewards certificate for every 300 points earned, double point events throughout the year, exclusive offers and promotions
  • APR: 27.24% for closed loop card, 25.24% for Visa card
  • Annual Fee: None
  • Late Payment Fee: Up to $37
  • Returned Payment Fee: Up to $37
  • Open or Closed Loop: Closed and open (Visa) available
  • For more details, go to this page 

11. GameStop

  • Incentives: 5,000 (Basic members) or 15,000 (PowerUp Rewards Pro members) bonus points with your first purchase; promotional financing available; exclusive offers; 5,000 bonus points for every $250 you spend
  • APR: 27.49%
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Returned Payment Fee: Up to $38
  • Open or Closed Loop: Closed
  • For more details, go to this page 

12. J.Crew

  • Incentives: 15% off your first purchase, $25 rewards card for every $500 you spend, birthday surprise, personal shopping and styling services, complimentary standard alterations on full-price in-store purchases, invitations to private sales and events, priority customer service
  • APR: 25.49%
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Returned Payment Fee: Up to $25
  • Open or Closed Loop: Closed
  • For more details, go to this page

13. Petland

  • Incentives: Discounts of Petland brand products, quarterly discounts, 20% discount on future purchases with every 5 qualifying purchases of $50 or more within a 12-month period
  • APR: 29.99%
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Returned Payment Fee:  Up to $38
  • Open or Closed Loop: Closed
  • For more details, go to this page

14. Pier 1 Imports

  • Incentives: 20% off coupon when you receive your card in the mail, $10 rewards certificate every 200 points you earn, birthday gift, special savings and discounts, manage account online, upgrade to Platinum status
  • APR: 27.49%
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Returned Payment Fee: Up to $38
  • Open or Closed Loop: Closed
  • For more details, go to this page

15. Pottery Barn

  • Incentives: choose between a $25 reward for every $250 you spend or special financing; exclusive events and offers, double rewards events, manage your account online
  • APR: 27.49%
  • Annual Fee: None
  • Late Payment Fee: Up to $38
  • Returned Payment Fee: Up to $38
  • Open or Closed Loop: Closed; use at Pottery Barn, Pottery Barn Kids and PB Teen
  • For more details, go to this page

16. Victoria’s Secret

  • Incentives: get an offer for $15 off a future purchase, birthday gift, exclusive rewards, free shipping on some orders, invitations to events
  • APR: 25.49%
  • Annual Fee: None
  • Late Payment Fee: Up to $37
  • Returned Payment Fee: Up to $25
  • Open or Closed Loop: Closed
  • For more details, go to this page

17. Zales

  • Incentives: free standard shipping, $50 off a $200 or more purchase on your birthday, 20% off repair service when you use your card, exclusive coupons, zero down payments with everyday promotional plans
  • APR: 29.49%
  • Annual Fee: None, but there is a $9.95 transaction fee for every promotional credit plan purchase
  • Late Payment Fee: Up to $38
  • Returned Payment Fee: Up to $38
  • Open or Closed Loop: Closed
  • For more details, go to this page

In Summary

As you can see, Comenity store cards are readily are available at many popular stores.

Some of the perks of holding a Comenity Bank store credit card include special incentives and shopping rewards. Plus, these are some of the easiest to get approved for, making them a popular choice for customers with poor or no credit.

When choosing a Comenity Bank store card, always be aware of the terms and conditions associated with the card and remember to spend wisely.