July 29, 2017

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.

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. As an added benefit, many store credit cards offer rewards. You may see things like sign-up bonuses and special deals just for cardholders. If you find yourself frequenting the same store often, these cards are definitely worth a look. Outside of the stores, however, their rewards don't stack up as well as other cards, so be wary if you're looking for a card with far reaching rewards.

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.

Keep reading to learn about the best Comenity Bank credit cards.

Best Comenity Bank Credit Cards

We chose our top 5 Comenity Bank Credit cards based on what they had to offer. These credit cards offer something outside of charging privileges. 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 the typical 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 love the LOVELOFT card not just for its rewards, but for the extra savings. Certain times during the month, cardholders receive exclusive specials. 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 just 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.

Full List of Comenity Bank Credit Cards

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

Retail & Shopping

Travel

Gas & Auto

Business & Miscellaneous

Medical & Dental

Education

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.

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 the 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 might 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 receive an approval, you get the credit card and the rewards to!.

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, as it doesn't mean an immediate credit decision.

The most common cards for this to occur 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.

Tip: If you have a store you frequent, find out what statuses 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 those of the author's alone. Please support CreditDonkey on our mission to help you make savvy financial 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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