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What Credit Cards Does Comenity Bank Offer?

Summary:Comenity Bank offers a variety of store and co-branded credit cards, such as Victoria's Secret and Wayfair, with rewards programs and varying fees and interest rates.

Comenity Bank is a popular issuer of retailstore credit cards, offering a wide range of options for consumers looking to earn rewards and save money on their purchases. In this article, we will explore the various credit cards offered by Comenity Bank, theirrewards programs, fees, and other important details.

Store Credit Cards

Comenity Bank offers a variety of store credit cards, including those for popular retailers such as Victoria's Secret, Pottery Barn, and GameStop. These cards typically offer rewards points or cashback for purchases made at the corresponding store, as well as special promotions and discounts throughout the year.

One example is the Victoria's Secret Angel Credit Card, which offers 3 points per dollar spent on bra purchases, 1 point per dollar spent on other purchases, and a $15 reward for every 250 points earned. Cardholders also receive free shipping on eligible purchases made online, early access to sales, and exclusive offers.

Co-Branded Credit Cards

In addition to store credit cards, Comenity Bank also offers co-branded credit cards in partnership with other companies. These cards typically offer rewards for purchases made with the card, as well as special benefits and discounts with the partnering company.

One example is the Wayfair Credit Card, which offers 5% cashback on all eligible purchases made with the card at Wayfair, Joss & Main, AllModern, Birch Lane, and Perigold. Cardholders also receive special financing options and discounts on certain products.

Comenity Bank also offers co-branded credit cards with popular travel companies such as Princess Cruises and Orbitz, as well as with sporting goods retailers such as Sportsman's Guide and Bass Pro Shops.

Fees and Interest Rates

Like most credit cards, Comenity Bank's cards come withfees and interest ratesthat vary depending on the card and the cardholder's creditworthiness. Some cards may have no annual fee, while others may have fees ranging from $25 to $99 or more.

Interest rates also vary, with some cards offering 0% introductory APRs for a limited time, and others with rates ranging from 15% to 25% or more. It's important for cardholders to carefully review and understand their card's terms and fees before applying.

Tips for Applying for a Comenity Bank Credit Card

Before applying for a Comenity Bank credit card, it's important to consider your credit score and spending habits. Make sure you meet the card's credit score requirements and that the rewards program aligns with your spending habits.

It's also important to read the fine print and understand the card's fees, interest rates, and any limitations or restrictions on rewards redemption. Finally, be sure to pay your bill on time and in full each month to avoid interest charges and late fees.


Comenity Bank offers a variety of credit cards for consumers looking to earn rewards and save money on their purchases. From store credit cards to co-branded cards with popular travel and retail companies, there's a card for almost every type of consumer. When applying for a card, be sure to carefully review the terms and fees, and always pay your bill on time to build and maintain a good credit score.

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