Comenity Bank Credit Cards

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.

Comenity Bank Credit Cards (6)

Forever 21 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.

Fuel Rewards® Mastercard®

  • 25¢/gallon for every $100 spent at participating groceries or online at shop.fuelrewards.com1
  • 10¢/gallon for every $100 spent at non-participating groceries, dining out, travel and home improvement2
  • 5¢/gallon for every $100 spent on all other purchases3

Friedman's Jewelers credit card

  • Pay your bill
  • View past monthly statements
  • Get fast, convenient online access

fullbeauty Credit Card

  • Earn $10 rewards* for every 400 points earned at all FULLBEAUTY Brands
  • Exclusive offer^ plus double points every time you order during your birthday month*
  • Free shipping** 4 times a year

GameStop PowerUp Rewards Credit Card

  • First-purchase bonus - 15,000 points for Pro cardmembers, 5,000 for Basic cardmembers*
  • Shop in-store or online
  • Get it today - pay over time**
  • Exclusive offers
  • No annual fee***

Gander Mountain Credit Card

  • Pay your bill
  • View past monthly statements
  • Get fast, convenient online access

Rewards Credit Cards

MLB™ BankAmericard Cash Rewards™ Mastercard®

  • $150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team's colors and logo

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day

Bank of America® Travel Rewards Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases

Southwest Rapid Rewards® Premier Credit Card

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open
  • 6,000 bonus points after your Cardmember anniversary

1. What is a rewards credit card?

Some credit cards only charge you for using their product. But others will reward you for the amount of money you spend with their cards. Credit cards reward programs come in different forms, but they all give you a benefit for using cards. In general, you earn a certain number or percentage of rewards for every dollar you charge on your credit card. Some cards reward you more for spending in certain areas or may only give you rewards on certain purchases.

According to statistics, 45% of Americans make the reward card as their first choice when they want to apply for a new credit card. If you choose carefully and take care to avoid potential pitfalls, you can benefit greatly from rewards credit cards, and even use them to help improve your credit scores.

2. What are the benefits of rewards credit cards?

Save money

With some cards, you will earn one point for every dollar spent. However, some reward credit cards offer a higher rate for a particular category or merchant, or a higher yield after you spend a certain amount. Rewards programs can be a great way to save money, especially for a vacation or the holiday season. Many cards will attract new customers with a sign-up bonus.

Additional sign-up bonuses and benefits

Many reward cards attract new customers with a sign-up bonus.

Customer protection

Many types of rewards credit cards have customer protection, including return protection and price protection. Some reward cards have extended return protection, providing a 60- to 90-day return period over the typical 30-day return period for the original merchant for most purchases made with the card.

Some cards provide price protection by refunding consumers the difference if they make a purchase and later identify another merchant that sells the same item at a lower price with a period of time.

3. What do you need to apply for a rewards credit card?

Credit score

The issuer will review your personal credit history when determining whether to approve your credit card and what terms you are eligible for. Responsible past use of credit will maximize your chances.

Application

You can apply for a store credit card online, in banks or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

4. How to use a rewards credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information.

Take advantage of sign-up bonuses

Many reward credit cards provide sign-up bonuses, please remember to take advantage of sign-up bonuses before they expire.

Focus your spending

It is easy to become impulsive in getting rewards. The more credit cards you use, the less reward you accumulate on each credit card. Concentrate your spending on a single card that offers the best value in the category you spend the most, instead of spacing your shopping across multiple cards and it's hard to really help you to get enough rewards on one card.

Maximize your rewards

Reward credit cards offer many ways to help you to save money on everyday items and big-ticket purchases. Keep an eye out for earning double or triple rewards opportunities. In addition, you need to know when your reward points will expire.

Buying a gift card

Card issuers offer many different options for cardholders to redeem their rewards points. Gift cards are one of the most popular ways, because of their features of flexibility and point-to-dollar value. Some cards offer extra rewards when cardholders buy a gift card through retail partners.

Know when your rewards points expire

Remember to check the fine print in your credit card agreement carefully and note when your rewards points will expire. Some credit cards allow cardholders to buy points back after they expire, but we recommend you to use them on time.

Pay your bill in full on time

Rewards credit card provide rewards program, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.

About Comenity Bank Credit Cards

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.

If you haven’t heard of Comenity Bank Credit Cards already, be sure to keep reading on to learn more on Shopping Cart Trick. Firstly, they are basically behind the scenes when it comes to credit cards. They offer a lot of different credit cards for individuals who lacks the necessary credit score to apply for one. Odds are, even if you haven’t heard of them, you’re one of the 40 million customers carrying a credit card offered by one of their banks. Today we’re going to give you a thorough introduction to Comenity Bank’s credit card portfolio with a full list of cards that they offer ranging from what’s the easiest to get approved to the best cards to acquire!

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.

The Perks of Comenity Bank Store Credit Cards

Comenity is the company behind Comenity Bank and Comenity Capital Bank, both of which manage over 125 credit programs. These include the accounts of many common retailers. Comenity has more than 40 million customers.

Knowing which companies will only require a soft pull on your credit (like Comenity) will help ensure that your credit score isn’t affected when you apply for a card. Comenity cards have the reputation of being one of the easier credit cards to get approved for, especially if you know how (and where) to use the shopping cart trick. If this trick is successful, you should be able to get approved for a credit card without a hard pull of your credit score and even without buying anything. This can be a plus if you don’t want the decrease in your credit score that a hard pull would bring, or if your credit score is already too low to get most credit cards.

Some people use store credit cards to build their credit if they are unable to get approved for other cards. Many are attracted by the discounts and incentives they provide. For example, many stores have rewards programs attached to their credit cards that give customers coupons or special promotions from time to time when they use their store card.

Many store credit cards also have programs that offer customers rewards for shopping (e.g. earn a $20 in-store reward for every $200 you spend). These can be especially valuable if you frequently shop at a particular store.

Why are Comenity Bank credit cards so popular?

Of course, many people enjoy store-specific credit cards because of perks like a large discount on your first purchase or a gift card on your birthday. Many people take out these cards at stores they shop at frequently.

Credit lines start out small around $500, but after making regular purchases and paying off your balance, you’re likely to get an automatic increase. In fact, these credit line increases can happen at regular intervals. However, you don’t want to buy things simply because you can, especially if you can’t pay off your balance in full.

Still, that extra line of credit paired with regular on-time payments can help rebuild your credit if it’s below average. Plus, it’s easy to get qualified regardless of what your credit looks like. This is another reason why Comenity Bank cards are so popular — you can use the shopping cart trick to get a pop-up offer online for a new credit card.

If you’re not asked to enter your full social security number, then you can likely get qualified without having your credit checked. For many people, it’s a simple way to get started on the way to better credit.

Bottom Line

Comenity Bank is in the business of attracting consumers to very specific store credit cards. The key takeaway is to maximize your rewards by consistently paying off your balances.

By doing so, you get to take advantage of your rewards programs while simultaneously building your credit. It’s a great way to take baby steps back into the world of credit cards by creating good financial habits.

Once you’ve cemented a repayment routine, you can bump up to a more general credit card that might offer even better incentives. At the same time, you’ll qualify for better rates since you’ve strengthened your credit with a Comenity Bank card.

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