Updated July 8, 2018

Comenity Bank Credit Cards: What You Need to Know

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Comenity Bank offers 150+ different store credit cards, many of which are easy to obtain. But which one is right for you? Read this guide to learn how to apply for the best Comenity Bank credit card.

Comenity Bank might not be a name you're familiar with, but they are the people behind more than 150 different store credit cards carried by over 40 million Americans. If you have a store credit card in your wallet, there's a pretty good chance that it's backed by Comenity Bank.

Who owns Comenity bank? Comenity Capital Bank is a subsidiary of Alliance Data Systems Corporation. Originally called World Financial Capital Bank, the company changed its name in 2012.

Phone number: 1-800-675-5685

Why would you want a store credit card?

First, let's discuss why you might want a Comenity Bank store card:

  • You don't have much credit or have a less-than-stellar score. Store-branded credit cards can be easier to obtain, which makes them great for people with a lower than average credit score that want to rebuild their credit. They could also make great starter cards if you haven't built up credit yet.

  • You shop constantly at a particular store. Store cards usually offer rewards for buying at that store. You may see things like sign-up bonuses and special deals just for cardholders. If you shop there all the time anyway, this could be valuable for you.

Tip: If you're considering a Comenity Bank credit card because you're still new to credit and want an easier card to get, there are other options too. Check out these top starter credit cards to see if one of these might be a better fit for you instead.

Why might you not want a store credit card?

Here are some reasons why the benefits above might not make sense for you:

  • You already have a card that offers better rewards. If you have a card that offers 2% or more cash back, or similarly high points or miles, you might be better off using that card for your purchases at your favorite store.

  • You're about to get a mortgage/car loan/refinance. Anytime you open a new credit card, your credit score takes a small, temporary hit. If you're about to make a major purchase, this isn't the best time to open any type of credit card, since it may impact your ability to get the lowest rate possible.

Tip: Get the Game Stop credit card and instantly get rewarded. Game Stop offers a reward for your first purchase. Game Stop also periodically offers promotional financing offers. This is a great time to charge those larger items and pay them off before the interest begins.

Best Comenity Bank Credit Cards

We chose our top 5 Comenity Bank Credit cards based on what they had to offer. Cardholders receive several benefits simply by charging the things they would normally purchase.

  • AKC Visa: Pet owners benefit with the AKC Visa. On top of rewards for buying gas and groceries, you get extra bonuses for caring for your pet. You can get rewards almost anywhere you buy pet supplies or receive pet care, including the vet.

  • Orbitz Rewards Card: Frequent travelers benefit from the Orbitz Rewards card. Travelers may receive points for any type of travel. However, avid Orbitz users get even higher rewards for using Orbitz.

  • Bed Bath & Beyond MasterCard: We love the rewards the Bed Bath & Beyond card provides for store purchases. However, it also offers rewards for groceries, gas, and other purchases. What we love the most, though, is the special financing they offer for Bed Bath & Beyond purchases. You may often find promotional financing options for 6 months or a year.

  • LOVELOFT MasterCard: Loft shoppers will receive exclusive specials at certain times each month. This is usually in addition to any regular promotions going on at the time. LOVELOFT also rewards cardholders for purchases outside of Loft or Ann Taylor.

  • Sportsman's Guide Visa: You may receive discounts for using the Sportsman's Guide Visa on your purchases. The card also provides points for every purchase, even those outside of the Guide. You can then redeem the points for catalog rewards.

Tip: Find out what special offers specific credit cards offer. For example, Victoria's Secret cardholders receive a birthday gift and Lane Bryant credit cardholders get an extended return policy. It gives them up to 60 days for returns.

Easy to Get Comenity Credit Cards

If your first credit card was a store credit card, you aren't alone. They have a reputation of being easier to obtain. But there's a secret for getting Comenity Bank credit card offers. It's called the "Shopping Cart Trick." Here's how it works.

If you know you want a card from a specific store, fill up your cart on the store's website. During checkout, after you provide your personal information, the site may offer you a credit card.

It may not work the first time. You may have to empty your cart and try again a few times. Make sure to clear your cookies before trying again. Heads up, if the application asks for your full social security number, it will perform a "hard pull" on your credit, which may affect your score and your chances of approval. If the site only asks for the last four numbers, don't worry, the bank will only do a "soft pull" on your credit. In this case, if you aren't approved, other lenders won't know you applied. If you do get approved, you get the credit card and the rewards too! (Note that, once approved, the "hard pull" on your credit will occur, which may affect your score.)

Definitions You Can Use

  • Hard credit inquiry: Lenders use the hard credit inquiry when you apply for a loan. Think of things like an auto loan or mortgage. It may affect your credit score by a few points. Lenders need your permission before making this type of inquiry.

  • Soft credit inquiry: A soft credit inquiry is often part of a background check. Lenders don't need your permission for this type of inquiry. It doesn't affect your credit score.

The most common cards for the "Shopping Cart Trick" to work are:

  • Overstock: This card also offers promotional financing for periods ranging from 6 months to 2 years.

  • Victoria's Secret: Grab the credit card and get free shipping every time your order includes a bra!

  • Buckle: You'll get a discount with your very first purchase with the Buckle card.

In order for the shopping cart trick to work, you must enter your information as it is shown on your credit report. You will have to provide your name, address, phone number, and email. If the shopping cart trick works, they will ask you for the last 4 digits of your social security number. That's all it takes.

You can use the shopping cart trick on any of the stores found in this list. Some consumers have better luck than others with the pop-ups. If you don't get one, you can follow the link and apply for the credit card yourself. Just keep in mind how many cards you apply for in a short amount of time. Too many credit card applications can negatively affect your credit score.

Is it easy to get approved with Comenity bank? Since Comenity Bank store cards often don't have strict credit score requirements, you may get approved with lower than average credit. Success may vary based on the store, however.

You can usually apply right at the store (and sometimes get a discount on your purchases, too)

Full List of Comenity Bank Credit Cards

Comenity Bank offers many credit cards. Some cards are store specific, which means you can only use them at the namesake store. Others, however, can be used anywhere. Follow the link to learn the specific details of each store credit card.

What credit cards can I get with bad credit? If you're dealing with low (or no) credit, consider a starter card. If you don't qualify, you may need to consider a secured credit card to help build your credit.

Comenity Bank offers over 150 store credit cards, including:

Retail & Shopping

What is the "shopping cart" trick? Some stores will pre-approve you for a card when shopping online. When checking out, you'll receive an offer for a new card. (You may need to empty your cart--and the cookies on your computer--and try this a few times for it to work.)

If you're asked for ONLY the last four digits of your Social Security number, then the store is doing a soft pull of your credit and your score shouldn't affect your application.

If they ask for your whole Social Security number, then they're doing a hard pull and you may be denied for having a low score. To be safe, DON'T risk lowering your score further with a hard pull if you're unlikely to be accepted.


Gas & Auto

Business & Miscellaneous

What are the easiest credit cards to get approved for? Store-credit cards, like those offered by Comenity, are among the easiest because they have less stringent credit requirements.

In fact, some stores will pre-approve you for a card when you make a purchase without checking your score. Some consumers have used the so-called "shopping cart" trick when shopping online to get accepted for a new card.

Medical & Dental


Tip: Ask stores about special shipping promotions for cardholders. For example, New York & Company offers free shipping from the store for cardholders. They also often have free shipping days online.

Tip: If you have a store you frequent, find out what benefits they offer cardholders. For example, Express has an "A-List" status that gives you access to more promotions. Know where you stand so you don't overlook any benefits of being a cardholder.

Making the Right Choice

As with any credit card, the offers and rewards may change at any time. Use the links above to get the latest information regarding your favorite store's credit card. We hope you reap some great rewards for shopping at your favorite stores.

Disclaimer: Opinions expressed here are author's alone. Please support CreditDonkey on our mission to help you make savvy decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.

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