Credit Cards

What is Comenity Pay?

By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 10 minute read

What Is Comenity Pay?

For more than three decades, Comenity Bank has been a major credit card company, yet chances are, you’ve never heard of them. Because Comenity supplies retail partners with their own private-label and co-branded credit cards, the word “Comenity” takes a second seat when it comes to branding the credit card.

It is conceivable that you have a Comenity or Comenity Capital Bank credit card account without even realizing it because of the 145 retail partners Comenity has collaborated with. Understanding the banking institution behind many of these shop cards may be helpful whether you’re currently a client or in the market for a new credit card. Why? You can’t go wrong by learning more about Comenity, the credit card issuer, because that’s the bank you’ll be dealing with. Let’s take a closer look at Comenity.

About Comenity Bank

More than 145 retail partners offer to their customers a Comenity Bank credit card, including several well-known global brands. Private-label and co-branded credit cards are the means through which these financing options are made available to you, the customer. This is nothing new to those of you who have purchased items from a department store, as you most likely have. 

Private-label credit cards are what they sound like: a store credit card that is issued under a company’s own brand name. Store credit cards are credit cards that can only be used with that particular store.

World Financial Network National Bank, the predecessor to Comenity Bank, was established in 1989 with the objective of offering diverse retail outlets private-label credit card services. As Comenity Bank, it has maintained the same credit card offerings for its clients since its rebranding in 2012.

Comenity Bank is home to more than 50 million cardholders. Because Comenity runs credit programs on behalf of so many shops, you may already be a cardholder. J.Crew, New York & Company, Bed Bath & Beyond, Ikea, Overstock, and many others are among these retailers.

Store Cards and Credit Cards are Both Available from Comenity.

Private-label and co-branded credit cards are available

Private-label and co-branded Comenity Bank credit cards are available to the company’s retail partners. What are private label and co-branded credit cards, you may wonder?

Often referred to as “closed-loop cards” or “store-issued credit cards,” private-label credit cards are issued by a bank on behalf of a retailer. In order to use a store card, you must purchase something from a certain shop, such a department store. It’s not possible, for example, to open a store card at a competitor’s store and then use it elsewhere.

Discounts, prizes, special financing, and even birthday presents are among advantages that may be found on many shop cards. In addition, they’re more readily available than traditional credit cards and require less documentation to get authorized. However, annual percentage rates (APRs) on retail cards are frequently higher. Paying your payments in full each month might be a pricey habit if you do not.

Co-branded credit cards, or open-loop cards, on the other hand, provide cardholders with almost all the benefits of traditional credit cards, such as more freedom in how they spend their money. Visa, Mastercard, American Express, and Discover are just a few examples of the major credit card brands that may be found on this sort of card. Anywhere that brand of card is accepted, you can use these credit cards.

While a co-branded credit card’s interest rate isn’t as high as that of a store card, it might vary widely from one card to the next. Here are a few examples of the top Comenity credit cards to give you a better sense of what to expect from one of these store cards or credit cards.

Comenity Bank’s Greatest Credit Cards

There are a number of great credit cards available through Comenity Bank.

BJ’s Perks Elite Mastercard

When it comes to finding the best deals, it’s impossible to top the pricing offered by wholesale clubs. BJ’s Perks Elite Mastercard offers cardholders 5 percent back on BJ’s purchases, 2 percent back on eating and gas e

When it comes to finding the best deals, it’s impossible to top the pricing offered by wholesale clubs. BJ’s Perks Elite Mastercard offers cardholders 5 percent back on BJ’s purchases, 2 percent back on eating and gas expenditures, and 1 percent back on all other transactions, making wholesale pricing even more affordable. Cardholders can save 10 cents per gallon at BJ’s Perks Elite Mastercard-affiliated petrol stations, which are located in many BJ’s stores.

Electronic prizes are provided in $20 increments when you’re ready to claim your money. Only BJ’s will accept these prizes, so you’ll have to spend them there at checkout or to cover your membership dues. This card is a good method to collect points on your purchases, but there are limitations on how you may use those credits. In addition, BJ’s cashback bonuses expire six months after they’re given out, as well.

Since you must be a member of the BJ’s club to use the BJ’s Perks Elite Mastercard, there is no yearly charge. There is a $110 annual fee for the BJ’s Perks Elite Mastercard if you are a BJ’s Perks Rewards member. If you want the best chance of getting this card, you’ll need a credit score of at least 700.

Wayfair store card

The Wayfair store card may come in handy if you buy a lot of things online, especially for your house. You don’t have to pay an annual fee, and your first purchase with the card will save you $25.

For orders of $210 or more, cardholders have the option of special financing for up to 48 months or a 3% rewards rebate (depending on the amount). You’ll want to pay off your debt before the conclusion of the promotional period to avoid accruing interest. If you don’t pay the full amount of interest accrued since the date of purchase, your account will be debited.

For every 200 points, you can get $6 back when you’re ready to pay out. In addition, Wayfair provides special deals from time to time, so you may be able to earn more points. You’re not limited to Wayfair purchases with the Wayfair credit card. You may use your Wayfair store card at any of the Wayfair-managed brands, including Joss & Main, AllModern, Birch Lane, and PeriGold.

APR on the Wayfair store card is high, but if you never carry any debt, this won’t be a problem. It’s preferable to have a credit score of at least a fair rating in order to have the highest chance of being accepted. There is a way to see if you are prequalified for a credit card at Wayfair without affecting your credit record.

Orbitz Rewards Visa

If you’re a frequent traveler, the Orbitz Rewards Visa credit card may be right for you. You may receive 6% back on flights, up to 10% back on hotels booked through the Orbitz mobile app, and 2% back on all other purchases when you book through Orbitz.

The Orbitz Rewards Dining program allows cardholders to earn up to 7% back at participating restaurants by using their Orbitz Rewards Visa card. Orbucks have no expiration date and can be used on any hotel booked via Orbitz; however, they cannot be redeemed on any other hotels.

There are a number of extra perks that come with this card, like gratis Orbitz Rewards Gold status, baggage coverage, accident coverage, rental insurance, and insurance for rentals. This card does not charge an annual fee, nor does it charge a fee for using it abroad. In addition, if you spend $1,500 in the first three months as a new cardholder, you will receive a $100 statement credit.

In order to apply for this card, you’ll need a decent credit score.

Williams Sonoma store card

If you’re a regular Williams Sonoma shopper, you may want to consider their store card. When you open and use your Williams Sonoma credit card on the same day, you’ll save 20%. After that, every dollar you spend at Williams Sonoma earns you 5 percent back in incentives. You’ll also be able to take advantage of free delivery on all qualified orders.

If you’re a regular Williams Sonoma shopper, you may want to consider their store card. When you open a new account and use your Williams Sonoma credit card to make your first purchase on the same day, you’ll save 20%.

After that, every dollar you spend at Williams Sonoma earns you 5 percent back in incentives. You’ll also be able to take advantage of free delivery on all qualified orders.

Upon activation of your new card, you’ll receive a $20 bonus as a new member perk. A $25 voucher will be sent to you on your birthday each year. A $25 gift voucher to Williams Sonoma is yours after you’ve earned $25 in points.

The Williams Sonoma store card does not have an annual fee, but the APR is rather high. By avoiding carrying a balance from one month to the next, this excessive interest rate may simply be avoided.

Because of this, setting up auto pay might be a smart decision. This card is meant for persons with a credit score of 620 or lower for credit approval.

Bed Bath & Beyond Mastercard

The Bed Bath & Beyond Mastercard offers cardholders a fair amount of cash back and other benefits. Spending $1 at Bed Bath & Beyond, buy buy BABY, Christmas Tree Shops andThat, Cost Plus World Market, or Harmon Face Values earns you back 5% in points.

If you use your Mastercard for petrol and food from grocery stores, you’ll get back 2 percent, and if you use it otherwise, you’ll get 1 percent. 

The Bed Bath & Beyond Mastercard offers interest-free financing for six or twelve months, depending on the purchase amount. Keep in mind that the whole amount of deferred interest will be charged to your account if the purchase balance isn’t paid in full within the six- or 12-month promotional period or if you pay late.

For purchases of $100 or more, new cardholders can receive a $25 discount voucher, and for every $10 you earn in points, you’ll receive an additional $10. A $25 gift certificate and an extra $75 gift voucher, when you spend $1,000 or $6,000 in the first six months outside of the aforementioned companies, will be given to you.

Depending on your creditworthiness at the time of the credit check when opening a new account, you’ll receive a normal variable APR. An excellent credit score is required for approval, but there is no yearly charge.

Comenity Bank’s Full Line of Credit Cards

  • Kennel Club of America Visa
  • The Advantages of BJ Bed Bath and Beyond Mastercards Mastercard
    buybuy BABY Mastercard
  • Caesars Compliments Visa
  • Shops for Christmas Trees and Such! Mastercard
  • Creek of Coldwater World Market Mastercard Cost Plus Mastercard
  • DSW Visa
  • Farmers Insurance Commissions Visa
  • 21st Century Fashion Credit Card with Visa
  • Rewarding Sam (Good Sam, Camping World, Gander Outdoors, Overton’s, and The House) Visa Credit Card
  • Face Values According to Harmon Mastercard
  • Showcase of Home & Garden Discover
  • HSN Mastercard
  • Houzz Mastercard
  • Ikea Interval World Visa Credit Card Mastercard
  • Pursuits Lexus Visa
  • Loveloft Mastercard
  • Pine of Legends Mastercard
  • Meijer Mastercard
  • MVP of Modell Visa
  • Mastercard World My
  • Reward Points Visa
  • Rewards Program for Orbitz Visa
  • National Gaming Corporation of Pennsylvania mycash Mastercard
  • Live on Saturdays Mastercard
  • A Field Guide for Sportsmen Visa
  • Sephora Visa
  • Sony Visa
  • Toyota Incentive Program Visa
  • Authenticity Discover
  • Ulta Ultamate Complimentary Items Mastercard
  • MasterCard Univision
  • Health Benefits of Vitacost Mastercard
  • Resorts of Westgate Mastercard
  • Sonoma Williams Credit Card with Vis
  • Credit Card Viking Visa (ending Sept. 20, 2019)

Comenity Bank Store Cards

  • Abercrombie & Fitch Abercrombie
  • Alon\sAlphaeon
  • American American Habitation
  • Taylor, Ann
  • Appleseed’s Arhaus Annie Sez
  • Avenue Ashley Stewart
  • Academy of AppliancesConnection Outdoors + Sports
  • Ballard Architects
  • Barneys New York City
  • Outlet Bealls
  • Florida Bealls
  • Bedford County Fair
  • Credit card for Bergner’s Big Lots
  • Blair Blue Nile Bon-Ton Boston Store Boscov’s
  • BrylaneHome Outlet Buckle Burkes
  • Boot Barn\
  • Carson’s Carter’s Catherines Century 21 Chadwicks of Boston Burlington Carson’s
  • Carter’s Catherines (ended Sept. 1, 2019)
  • Coldwater Creek Christopher & Banks
  • International Colombian Emeralds (ending Oct. 31, 2019)
  • Cosmeticredit
  • David’s Bridal Boutique
  • DentalFirst International Financing Diamonds
  • Eddie Bauer is Draper’s and Damon’s Eddie Bauer.
  • Furniture El Dorado
  • Elder-Beerman
  • Express Flooring & Decor Fashionable
  • Forever 21
  • Jewelers Friedman’s
  • Fullbeauty
  • Eagle colossus
  • GameStop
  • Gardner-White Account for Gems (Zales, Piercing Pagoda)
  • Eagle colossus
  • Sam’s Club (Sam’s Club, Camping World, Gander Outdoors, Overton’s, and The House)
  • Gordon’s Jewelry Store
  • Grandin Avenue
  • H3 WellnessPlus H3 Dental\sHaband
  • Preferred Clientele of Hannoush Jewelers
  • Herberger’s Showplace for the Home and Garden
  • A Current Issue
  • HSN\sHouzz
  • Idyllic Jewelry
  • Enhancements to the Ideal Image
  • Ikea
  • Jill J.Crew J.D. Williams
  • London, Jessica
  • Justice\sJared
  • KingSize
  • Jewelers Kay
  • Lexus Lane Bryant
  • Switzerland in miniature
  • Loveloft
  • Lucky Label
  • Mayor of Mandee Meijer Metrostyle (ended Sept. 1, 2019)
  • My Smile Care by Modell
  • Newport News, Virginia & Company, New York
  • Traders from the Old Pueblo
  • Hardware Overstock at Orchard Supply
  • Petland Pier 1 PacSun
  • Porcelain Barn
  • Exceptional Designs
  • Liquid Assets RainSoft
  • Reeds Jewelers Red Roof Inn Restoration Hardware
  • Roaman’s\sSilhouettes
  • Simply Be A Smile Financial Generation
    (Stage, Bealls, Palais Royal, Peebles, Goody’s, Gordmans) Spiegel Stage
  • The Sterling Jewelers Family
  • Sephora\sTalbots
  • The Children’s Neighborhood
  • The Limited’s Residence
  • The SpacePlace
  • The Tile Boutique
  • TigerDirect\sTorrid
  • Toyota Trek Ulta Value City Furniture Toyota Trek
  • Venus
  • Vintage Victoria’s Secret Vacation Club King Audio
  • Williams-Sonoma Wayfair West Elm Sonoma
  • Worldwide Vacations & Travel for Women
  • Younkers: Your One-Stop Shop for Tuition

Getting Approved for a Card From Comenity Bank

Store cards are reputed to have a greater acceptance rate than typical, unsecured credit cards. However, the likelihood of your acceptance varies per retailer. Likewise, with Comenity cards.

If you have less-than-perfect credit, store cards might be an excellent way to begin restoring your credit. Additionally, shop cards sometimes have smaller credit limits, which makes spending more reasonable.

Ensure that you pay off your debt in full each month, as store cards are also notorious for having extremely high interest rates. While the minimum credit score required for store cards varies per retailer, individuals with acceptable credit ratings are frequently approved.

When applying for one of Comenity’s co-branded credit cards, you will be required to have a higher credit score than you would for a retail card. Because credit score criteria vary per retailer, the best method to increase your chances of approval is to constantly follow sound financial practices.

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