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This question is about Comenity Credit Card Reviews
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Maria Adams, Credit Cards Moderator
@m_adams
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The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you’ll need a score of about 640 or higher. And since the average person’s credit score is about 40 points above that, these cards are well within reach for most of us.
Unfortunately, Comenity Bank doesn’t offer any cards for people with bad credit, so its cards aren’t quite as easy to get as secured credit cards, for example. It’s also important to note that Comenity Bank specializes in store cards, which you’ll only be able to use at one (or sometimes a few) specific retailers.
Here are some Comenity Bank credit cards that are easy to get:
- Zales Credit Card. Requires fair credit. $0 annual fee. 10% off all repair services. $50 off a $149+ purchase on your birthday. Deferred interest of 0% - 16.99% for 6 - 36 months. 33.24% (V) regular APR. Free shipping and exclusive coupons.
- Ann Taylor Store Card. Requires fair credit. $0 annual fee. 5 points per $1 spent at Ann Taylor family brands.
- Jessica London Credit Card. Requires fair credit. Annual fee: $0. 1 point per $1 spent at any of the fullbeauty brands.
- Torrid Credit Card. Requires fair credit. $0 annual fee. 1 point for every dollar spent at Torrid. 35.99% regular APR.
- Petland Credit Card. Requires fair credit. Annual fee: $0. 1 point per $1 spent. Exclusive discounts and promotional financing.
As you can see, these cards charge $0 annual fees, and all of them provide nice perks at their respective retailers. Comenity Bank also has quite a few store cards that require good credit for approval. They include cards tied to Orbitz, Williams Sonoma, Loft and Westgate Resorts. But if your score is below 700, it’s best to just stick with the cards for fair credit.
This answer was last updated on 06/14/24 and it was first published on 05/28/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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Austin Evans, Member
@jabbathehut_1
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The easiest Comenity Cards to get are the ones you can use the shopping cart trick on as they are not checking your credit. Out of the cards, this trick works on Victoria’s Secret & Overstock - as they're the easiest to get the pop up on.
This answer was first published on 07/06/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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What is the shopping cart trick?
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Francine Yates, Member
@francine_yates
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The store cards that they issue are the easiest ones, since all store cards go for the 640'ish requirement.
This answer was first published on 03/16/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
People also ask
What are the best Comenity Bank credit cards?
Comenity Bank specializes in store cards, which you’ll only be able to use at one (or sometimes a few) specific retailers, so choosing the best Comenity Bank credit card really comes down to where you shop most of the time.
The Ann Taylor Credit Card and the Bealls Florida Credit Card are some of the most popular Comenity Bank credit cards, but you can compare their cards here.
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How can I cancel my Comenity Bank credit cards online?
To cancel a a Comenity Capital credit card, call customer service at 1-855-823-1001 or log in to the Comenity Capital website. Cardholders can also cancel an account by phone or by mail.
Be aware that if there’s a balance remaining on the cancelled account, you are still required to make at least the minimum payment every month until the balance is paid in full. In addition, if you cancel your credit card, you will forfeit...
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* The information about the following cards has been independently collected by WalletHub: Ann Taylor Credit Card, Bealls Florida Credit Card, Zales Credit Card, Ann Taylor Store Card, Torrid Credit Card, Jessica London Credit Card, Petland Credit Card, West Elm Store Card, Sony Visa® Credit Card, and Capital One Walmart Rewards® Mastercard®.
