Patrick Chu / GettyImages

Comenity Bank credit cards

Comenity Bank is a retail credit card issuer partnering with over 145 brands – here’s the full list of its current offers


Comenity Bank might not be a name you hear much, but this major credit card issuer is behind many store credit card products in today’s market.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

When you think of a retail credit card, you most likely think of the brand it’s associated with. Many stores – from Pottery Barn 21 to Big Lots to BJ’s – offer such cards, but retailers aren’t issuing them. Most of the time, these cards are issued by the banks they’re partnered with.

There are a few credit card issuers that specialize in retail credit cards, and Comenity Bank is one of the biggest. Read on to learn about its offers and whether they’re a good choice for you.

What is Comenity Bank?

Comenity Bank might not be a household name like American Express or Chase, but it’s a major credit card issuer that focuses on store credit cards. It’s currently partnering with more than 145 retailers and serving over 50 million cardholders. Besides credit cards, Comenity Bank also offers high-yield savings accounts and certificates of deposit.

Since retail credit cards are typically easier to qualify for even if your credit isn’t in the best shape, Comenity Bank cards can be a credit-building option. Additionally, you might want to consider some of their offers if there’s a retailer you regularly shop at or are looking to make a big purchase from.

What stores partner with Comenity Bank?

With so many partnering stores, Comenity Bank offers a great variety of store credit cards, including online stores, clothing shops, furniture stores and more.

Below, you can find the list of retail credit cards that Comenity Bank is currently offering.

  • AKC Visa Credit Card
  • ALL Rewards Credit Card
  • ALL Rewards Mastercard
  • Appleseed’s Credit Card
  • Appliances Connection Credit Card
  • Archarge Credit Card
  • Ashley Stewart Credit Card
  • Avenue Credit Card
  • Ballard Designs Credit Card
  • Bealls Florida Credit Card
  • Bealls Outlet One Credit Card
  • Bed Bath & Beyond Mastercard
  • Big Lots Credit Card
  • BJ’s Perks Plus Mastercard
  • BJ’s Perks Elite Mastercard
  • Blair Credit Card
  • Blue Nile Credit Card
  • Boscov’s Credit Card
  • Brylane Home Platinum Credit Card
  • Buckle Credit Card
  • Credit Card
  • Burlington Credit Card
  • Burkes Outlet One Credit Card
  • Good Sam Rewards Visa Credit Card
  • Carter’s Credit Card
  • Catherines Credit Card
  • C21STATUS Credit Card
  • My Place Rewards Card
  • Christmas Tree Shops andThat! Mastercard
  • Christopher & Banks Credit Card
  • Cost Plus World Market Mastercard
  • David’s Bridal Credit Card
  • Diamonds International Credit Card
  • Draper’s & Damon’s Credit Card
  • DSW Visa
  • Eddie Bauer Credit Card
  • El Dorado Furniture BLUCard Credit Card
  • Express NEXT Credit Card
  • Express NEXT A-List Credit Card
  • Floor & Decor Credit Card
  • Forever 21 Credit Card
  • Forever 21 Visa Credit Card
  • FullBeauty Platinum Credit Card
  • Gardner-White Premier Credit Card
  • Gordon’s Jewelers Credit Card
  • Grandin Road Credit Card
  • Haband Credit Card
  • Harmon Face Values Mastercard
  • Hot Topic Guest List Credit Card
  • Houzz Credit Card
  • Iddeal Credit Card
  • IKEA Projekt Credit Card
  • IKEA Visa Credit Card
  • J.Crew Credit Card
  • J. Jill Credit Card
  • Jessica London Platinum Card
  • KingSize Platinum Credit Card
  • Lane Bryant Credit Card
  • Little Switzerland Credit Card
  • LUCKY BRAND Rewards Credit Card
  • Mayors Credit Card
  • Overstock Store Credit Card
  • Petland Credit Card
  • Piercing Pagoda Credit Card
  • Pottery Barn Credit Card
  • Pottery Barn Kids Credit Card
  • RH Credit Card
  • Talbots Credit Card
  • The Tile Shop Credit Card
  • Torrid Insider Credit Card
  • Trek Credit Card
  • Ultamate Rewards Credit Card
  • Ultamate Rewards Mastercard
  • Venus Credit Card
  • Victoria’s Secret Angel Card
  • Vitacost Healthy Perks Mastercard
  • west elm Credit Card
  • Woman Within Platinum Credit Card
  • The Diamond Card

Note that this list only contains cards Comenity Bank is offering at the moment. Other cards might be still available to previous cardholders, but closed for new applications.

Other Comenity Bank offers

While Comenity Bank is mostly known for retail credit cards, it partners with other types of businesses as well. For example, you can find a few travel rewards cards among the issuer’s offers, a couple of auto cards, medical cards and even an insurance credit card that allows you to rack up rewards while paying for your coverage.

Here’s a list of non-retail Comenity offers:

  • Interval World Mastercard
  • Orbitz Rewards Visa Credit Card
  • Total Rewards Visa Credit Card
  • Westgate Rewards Mastercard
  • Worldwide Vacation & Travel Mastercard
  • Lexus Pursuits Visa
  • Toyota Rewards Visa
  • ALPHAEON Credit Card
  • My Smile Care Credit Card
  • Smile Generation Credit Card
  • Farmers Rewards Visa Credit Card
  • Caesars Rewards Visa Credit Card
  • mycash Mastercard

Most popular Comenity Bank cards

With such a variety of products available, there are many Comenity Bank credit cards you might be considering depending on your shopping habits.

While it’s best to take your brand preferences and credit health into account when choosing a retail card, here are some Comenity Bank cards that are most popular among consumers.

Victoria’s Secret Angel credit card

If you’re a loyal Victoria’s Secret fan who never misses out on a deal from this lingerie retailer, the Victoria’s Secret Angel credit card can be worth looking into.

Victoria’s Secret Angel cardholders get 3 points per dollar on Victoria’s Secret bra purchases and 1 point per dollar on other Victoria’s Secret purchases. The card has a tier system based on yearly spend, with higher tiers getting better deals and benefits. Depending on the tier, members can enjoy $10 or $15 certificates issued for every 250 points, free shipping, birthday gifts and access to exclusive events.

IKEA Visa Credit Card

If you find yourself shopping at IKEA often, the IKEA Visa Credit Card may be worth considering.

The card offers 5% back in rewards dollars on U.S. IKEA store and purchases, Traemand installation and TaskRabbit assembly services, as well as 3% back on dining, grocery and utility purchases and 1% back on all other purchases.

The 3% rate in such popular spending categories outside of IKEA is a notable feature. Many store cards only reward you for spending in their respective stores, making it harder to reap the benefits.

On top of that, cardmembers get free delivery, auto rental protection and automatic enrollment in the IKEA Family loyalty program.

BJ’s Perks Elite Mastercard

Frequent BJ’s shoppers can benefit from signing up for the BJ’s Perks Elite Mastercard – which offers a generous 5% cash back rate on eligible in-club and online purchases at To maximize rewards, you can also take advantage of 2% on dining and non-BJ’s gas purchases and 1% on other purchases.

On top of that, cardholders get a 10-cent-per-gallon discount on BJ’s gas and can save with exclusive deals and free shipping on eligible items.

How to apply for a Comenity Bank card

The easiest way to apply for a credit card from Comenity Bank is to do so online. Search the card name, and find a link to the retailer site or Comenity’s website. From there, click “Apply Now” and provide the required information.

Comenity apply

You can also apply for the majority of these cards in-store. The cashier may ask you if you’d like to sign up for the card when you’re checking out, or you can simply request to fill out the application.

Final thoughts

Comenity Bank offers a wide range of retail credit cards, as well as a few other credit card products. A store credit card can be a way to build your credit due to more relaxed credit requirements and help you rack up rewards in the stores you frequent.

However, before you apply for a Comenity Bank credit card, make sure it’s a good option for you. Store credit cards offer some of the highest interest rates, and credit limits are typically on the lower side. At the end of the day, such cards may only be a good choice for brand enthusiasts. Those interested in rewards might be better off with a general rewards card, and even if your credit isn’t in the best shape, you still may find other options.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Credit Card Rate Report
Cash Back

Questions or comments?

Contact us

Editorial corrections policies

Learn more