If a cashier has ever offered you 20% off for opening a store card, there is a good chance the issuer was Comenity Bank. Comenity sits behind more retail credit programs than almost any other bank in the country.
Below is the full list of active Comenity cards for 2026, split into store-only cards and cards you can use anywhere. After that, we cover which ones are worth a hard inquiry and which ones are not.
Comenity Store Credit Cards
These are private label cards. Most of them work only at the issuing retailer and its websites. They usually offer a first-purchase discount, promotional financing, and store-specific rewards.
Apparel, Footwear, and Department Stores
- Ann Taylor Credit Card
- Ashley Stewart Credit Card
- Avenue Credit Card
- Bealls Inc. Credit Card (Bealls Florida, Bealls Outlet, Burkes Outlet)
- Boot Barn Credit Card
- Boscov’s Credit Card
- Buckle Credit Card
- Burlington Credit Card
- Carter’s Credit Card
- Catherines Credit Card
- Express Credit Card
- Famous Footwear FAMOUSLY YOU REWARDS Credit Card
- fullbeauty Platinum Credit Card
- Hot Topic Guest List Credit Card
- Jessica London Platinum Credit Card
- Lands’ End Credit Card
- Lane Bryant Credit Card
- LOFT Credit Card
- maurices Credit Card
- My Place Rewards Credit Card (The Children’s Place)
- New York & Company RUNWAYREWARDS Credit Card
- Roaman’s Platinum Credit Card
- Ross Credit Card
- Saks Credit Card
- Talbots Credit Card
- Torrid Credit Card
- TRENDSETTER REWARDS Credit Card (Fashion to Figure)
- Victoria’s Secret Credit Card
- Woman Within Platinum Credit Card
Jewelry and Watches
- Banter Credit Card
- Bucherer 1888 Credit Card
- Gordon’s Jewelers Credit Card
- Helzberg Credit Card
- Iddeal Credit Card
- Jared Preferred Credit Card
- KAY Jewelers Credit Card
- Little Switzerland Credit Card
- Sterling Family of Jewelers Credit Card
- Zales Credit Card and Zales Outlet Credit Card
Furniture, Home, and Decor
- Arhaus Archarge Credit Card
- Ballard Designs Credit Card
- Bed Bath & Beyond Credit Card
- BrylaneHome Platinum Credit Card
- El Dorado Furniture BLUCard
- Frontgate Credit Card
- Grandin Road Credit Card
- IKEA Projekt Credit Card
- Nest Credit Card
- Overstock Credit Card
- Raymour & Flanigan Credit Account
- The World Market Credit Card
Beauty and Salon
- Cosmo Prof Rewards Credit Card
- Sally Beauty Rewards Credit Card
- SalonCentric Credit Card
- Sephora Credit Card
- Ulta Beauty Rewards Credit Card
Auto, Powersports, and Tires
- Big O Tires and Service Credit Card
- Harley-Davidson Experience Credit Card
- Lexus Pursuits Credit Card
- Midas Credit Card
- Toyota Credit Card
Outdoors, Sporting Goods, and RV
- Academy Sports + Outdoors Credit Card
- Good Sam Credit Card
- Sportsman’s Guide Explorewards Credit Card
Pets
- All Pet Credit Card
- Petco Pay Credit Card
- Petland Credit Card
Electronics, Hobby, and Specialty
- B&H Payboo Credit Card
- Dell Pay Credit Account
- GameStop Pro Credit Card
- HP Credit Account
- Michaels Credit Card
Medical, Dental, and Education Financing
- Alphaeon Cosmetic Credit Card
- Alphaeon Vision Credit Card
- GEM Account Credit Card
- HealthiPlan Patient Financing
- My Smile Care Program Credit
- Smile Generation Financial
- Your Tuition Solution Credit
These medical financing products deserve extra caution. Many run on deferred interest promotions, which we cover further down.
Comenity Co-Branded Credit Cards
These cards carry a Visa, Mastercard, or American Express logo. You can use them anywhere the network is accepted, and most of them pair retailer perks with a broader rewards structure.
- AAA Daily Advantage Visa Signature Credit Card
- AAA Travel Advantage Visa Signature Credit Card
- Ann Taylor Mastercard
- Bread Cashback American Express Credit Card
- Bread Rewards American Express Credit Card
- Caesars Rewards Visa Credit Card
- Caesars Rewards Prestige Visa Signature Credit Card
- Coast to Coast Visa Credit Card
- Comenity Mastercard Credit Card
- Crypto.com Visa Signature Credit Card
- Green Bay Packers Extra Points Mastercard
- IKEA Visa Credit Card
- Interval World Mastercard Credit Card
- Lands’ End Visa Credit Card
- Legendary Pine Mastercard
- Lexus Pursuits Visa Credit Card
- LOFT Mastercard Credit Card
- My World Mastercard Credit Card
- New York Yankees Mastercard Credit Card
- NFL Extra Points Visa Credit Card
- PENN Entertainment Mastercard Credit Card
- Points Power Mastercard
- Ross Mastercard Credit Card
- Sephora Visa Credit Card
- Sportsman’s Guide Buyer’s Club Rewards Visa Credit Card
- Toyota Rewards Visa Credit Card
- Ulta Beauty Rewards Mastercard
- Unity by Hard Rock Mastercard Credit Card
- Victoria’s Secret Mastercard Credit Card
- Worldwide Vacation & Travel Mastercard Credit Card
Several retailers run both versions. Ulta, Victoria’s Secret, Sephora, LOFT, Ann Taylor, Ross, Lands’ End, Lexus, Toyota, and Sportsman’s Guide all have a store-only card and a network card. Comenity typically decides which one you get based on your credit profile.
Can’t Find Your Card on This List?
A few programs are active but do not have a public application page. They show up in card agreement filings and servicing portals instead. These include Big Lots, Blue Nile, buybuy BABY, Ethan Allen, Floor & Decor, Forever 21, PlayStation, and the Saks World Elite Mastercard.
Some cards are new enough that they have not made it onto most lists yet. Bed Bath & Beyond, Furniture First, Raymour & Flanigan, and Crypto.com all launched in 2025.
You may also hold a Comenity account for a store that no longer exists. Comenity keeps servicing closed programs, so old Dressbarn, Pier 1, and Bon-Ton accounts still appear in customer portals. If you can log in and see it, the account is still real and still on your credit report.
Which Comenity Credit Cards Are Actually Worth It?
Most Comenity cards are not worth a hard inquiry. A handful are. Here are the ones that hold up.
Bread Cashback American Express Credit Card
Best for: flat-rate cash back with no categories to track
This is Bread Financial’s own general purpose card, and it is the strongest product in the entire lineup. It earns unlimited 2% cash back on every purchase, with no caps and no enrollment steps.
Pros:
- Unlimited 2% cash back on all purchases
- No annual fee and no foreign transaction fee
- Cash back redeems as a statement credit or direct deposit
- Rewards do not expire while the account stays open
- American Express purchase protection and identity theft coverage
Cons:
- Currently available only to people who receive a pre-approved offer
- No sign-up bonus
- No intro APR on purchases or balance transfers
The catch is access. Bread Financial’s own application page states that you can only apply if you already received a pre-approved offer. If one lands in your mailbox and you carry no balance, it is a reasonable everyday card.
AAA Daily Advantage Visa Signature Credit Card
Best for: grocery spending without an annual fee
Comenity took over the AAA card portfolio from Bank of America and rebuilt the rewards structure. The grocery rate is one of the highest available on a no-annual-fee card.
Pros:
- 5% cash back at grocery stores
- 3% back on gas, EV charging, wholesale clubs, streaming, pharmacy, and AAA purchases
- 1% back on everything else
- No annual fee and no foreign transaction fee
- $100 statement credit after $1,000 in purchases within 90 days
- AAA membership is not required
Cons:
- Cash back is capped at $500 per calendar year across groceries, wholesale clubs, and gas
- Bonus categories depend on merchant codes, so Costco warehouse purchases earn 3%, not 5%
- Purchase APR ran 17.49% to 31.49% variable as of July 2026
- No transfer partners or premium travel benefits
The cap is on rewards earned, not on spending. Once you collect $500 in cash back from those three categories, they drop to 1% for the rest of the year.
IKEA Visa Credit Card
Best for: a large furnishing project
Pros:
- 5% back on IKEA purchases, including IKEA installation and TaskRabbit assembly
- 3% back on dining, groceries, and utilities
- 1% back everywhere else
- No annual fee and no foreign transaction fee
Cons:
- Rewards convert to IKEA certificates in $15 increments and cannot be taken as cash
- Certificates carry an expiration date
- Rewards are only useful if you keep shopping at IKEA
The math works if you are furnishing a house this year. It does not work if you buy a bookshelf every few years and let certificates expire.
Ulta Beauty Rewards Mastercard
Best for: heavy Ulta shoppers
Pros:
- 2 points per $1 at Ulta, which is 1 base point plus 1 card point
- 1 point per $3 spent anywhere Mastercard is accepted
- Platinum members earn 1.25 base points per $1, Diamond members earn 1.5
- 20% off your first purchase
- No annual fee
Cons:
- Points expire at the end of the quarter one year after they are earned, unless you hold Platinum or Diamond status
- 3% foreign transaction fee
- Points redeem only at Ulta
The outside-Ulta earn rate is weak. Treat this as an Ulta-only card and use something else for the rest of your spending.
Victoria’s Secret Credit Card
Best for: frequent Victoria’s Secret and PINK shoppers
Pros:
- 10 points per $1 at Victoria’s Secret and PINK
- 15 points per $1 once you reach VIP tier
- Birthday rewards and early sale access
- No annual fee
- Available with fair credit in many cases
Cons:
- Points are worth roughly half a cent each, so 10 points per $1 works out to about 5% back
- Store version cannot be used anywhere else
- High APR if you carry a balance
The Mastercard version adds 4 points per $1 on dining, travel, and streaming purchases. That still lands under 2% in real value, so it is not a card for general spending.
What Comenity Cards Actually Do Well
- Approval odds with imperfect credit. Comenity’s private label underwriting is looser than most bank card underwriting. Fair credit is often enough for a store card, which is why these cards show up in so many credit-building plans.
- Store discounts that are real. A 20% first-purchase discount on a $600 furniture order is $120. If you pay the balance in full that month, you keep the entire discount.
- Automatic credit limit increases. Comenity is known for raising limits on accounts with clean payment histories. Starting limits are often small, sometimes $200 to $500, but they can grow. You can also request an increase through your online account, though a request may trigger a hard inquiry when an automatic increase will not.
- No annual fee on nearly everything. Almost every card in this list charges $0 per year. The cost of holding one is zero as long as you carry no balance.
- Reporting to all three bureaus. Comenity reports to Experian, Equifax, and TransUnion. A small, well-managed account builds payment history on all three files.
Where Comenity Cards Fall Short
- Interest rates are brutal. Many Comenity store cards sit above 30% APR. At that rate, a balance carried for a year costs more than any discount you earned at signup.
- Deferred interest promotions. Medical, dental, jewelry, and furniture financing programs frequently use deferred interest. These advertise no interest for a set window, usually 6 to 24 months. If any balance remains when that window closes, you owe interest calculated back to the original purchase date on the full amount. A $3,000 dental balance can turn into a several-hundred-dollar interest charge overnight. This is where people get hurt.
- Rewards you cannot spend elsewhere. Store points buy store merchandise. If the retailer raises prices or you stop shopping there, the rewards become worthless.
- Points and certificates expire. IKEA certificates, Ulta points, and Victoria’s Secret rewards all have expiration rules. Cash back from a general rewards card does not.
- Accounts get closed for inactivity. Comenity can close an account after a short dormant period, sometimes within a few months, without notice. A closure lowers your available credit and can raise your credit utilization ratio.
- Customer service complaints are common. Billing disputes, payment posting problems, and long hold times come up repeatedly in cardholder reviews. Bread Financial’s servicing arm was under an FDIC consent order tied to its 2022 systems transition, which was terminated in March 2026.
- Low starting limits hurt utilization. A $300 limit is easy to max out. A card that is 80% utilized drags your credit score down even if you pay on time.
What Credit Score Do You Need for a Comenity Credit Card?
There is no single cutoff. Comenity underwrites each program separately, and the gap between the two card types is wide.
- Store cards. Private label approvals commonly land in the fair credit range, roughly 580 to 669. Some applicants get approved below that. This is the loosest underwriting among major card issuers, which is why these cards show up in so many credit-building plans.
- Co-branded cards. These are harder. Bread Financial reports that most of its co-brand customers carry a VantageScore above 660. The AAA Visa Signature cards, Bread Cashback American Express, and the Crypto.com Visa Signature all sit in that tier.
Your credit score alone does not decide it. Comenity also weighs:
- Income relative to the limit you are asking for
- Total existing debt and monthly obligations
- Recent hard inquiries and newly opened accounts
- Payment history on any Comenity accounts you already hold
- Credit utilization across all your cards
That last one matters more than people expect. Comenity can see the balances on your existing accounts, including its own.
Can You Prequalify for a Comenity Credit Card?
Yes, on some cards. Comenity runs soft-pull prequalification on a number of its programs, including the AAA Visa Signature cards, which advertise a prequalification check that does not affect your credit score.
Prequalification is not approval. It tells you that you fit the target profile before you spend an inquiry. Comenity still runs a full review and a hard pull when you submit the real application.
Read the disclosure on the page before you enter anything. It should state plainly whether the check is a soft inquiry or a hard one. If the form asks for your full Social Security number rather than the last four digits, expect a hard pull.
Does the Comenity Shopping Cart Trick Still Work?
The shopping cart trick is the practice of loading a cart on a retailer’s site, starting checkout, and waiting for a pre-approval pop-up. It was widely used to open Comenity cards without a hard inquiry.
Here is the honest version. The pop-up still appears on some Comenity sites, and it tells you whether you are pre-selected. It does not reliably skip the hard inquiry anymore. Cardholders regularly report hard pulls after accepting a pop-up offer, and issuers have confirmed that approval generally requires one.
Use it as a screening tool, not a loophole. Knowing you are pre-selected before you apply is still worth five minutes. Just plan for the inquiry.
For the full walkthrough, see our guide to the shopping cart trick.
How to Contact Comenity Bank
There is no single Comenity customer service line. Each card program routes to its own number, and the fastest way to find yours is the back of your card or your monthly statement. It also appears at the bottom of every Account Center page.
If you no longer have the card, the general lines are:
- Comenity Bank credit cards: 1-800-220-1181 (TDD/TTY 1-800-695-1788)
- Comenity Capital Bank credit cards: 1-877-287-5012 (TDD/TTY 1-888-819-1918)
- Bread Pay loans: 1-844-992-7323
- Bread Savings: 1-833-755-4354
Not sure which bank holds your account? It is printed on your statement and on the card itself.
Mailing addresses differ by bank as well:
- Comenity Bank: P.O. Box 183003, Columbus, OH 43218
- Comenity Capital Bank: P.O. Box 182273, Columbus, OH 43218
One thing worth knowing before you call. Comenity does not accept credit reporting disputes by phone or email. Disputes have to be submitted in writing to Bread Financial at P.O. Box 182508, Columbus, OH 43218. If a Comenity account is reporting incorrectly, calling customer service will not start the clock on a dispute. Put it in writing and keep a copy.
Are Comenity Credit Cards Worth It?
A Comenity card makes sense if all three of these are true:
- You shop at the retailer regularly, not occasionally
- You pay the statement balance in full every month
- The signup discount or rewards rate clears the value of a general 2% cash back card
Skip it if any of these apply:
- You plan to carry a balance
- You are being offered deferred interest financing on a medical or jewelry purchase
- You are applying for a mortgage or auto loan in the next six months
- You just want the one-time discount and will never use the card again
That last one is the most common mistake. A one-time 20% discount is not worth a hard inquiry, a new account that lowers your average age of accounts, and a card that gets closed for inactivity in eight months.
Store credit cards exist because the issuer earns money on balances people carry. That is the business model, and the APRs are set accordingly. A card priced above 30% is not designed for someone who pays in full, even though paying in full is the only way to win with it.
If you have fair credit and need a card to build history, a Comenity store card can do the job. So can a secured card with a lower APR and no retailer lock-in. Run that comparison before you accept the offer at the register.
Frequently Asked Questions
What is Comenity Bank called on my credit report?
It varies. A Comenity account can report as Comenity Bank, Comenity Capital Bank, Bread Financial, or an abbreviated version of the retailer name. The same account may even appear under different names at different bureaus.
If you see an entry you do not recognize, check the open date, credit limit, and partial account number before assuming it is fraud. An old store card from a brand that no longer exists is the usual explanation.
If it is not yours, dispute it in writing with both the bureau and Bread Financial. Comenity does not take disputes by phone.
Is Comenity Bank the same as Bread Financial?
No. Bread Financial is the parent company, formerly called Alliance Data Systems. Comenity Bank and Comenity Capital Bank are its two card-issuing subsidiaries, and both still operate under the Comenity name. Your agreement will name one of them.
Comenity Bank is scheduled to merge into Comenity Capital Bank in the second half of 2026, pending regulatory approval.
How many Comenity cards can you have?
There is no published limit. Cardholders with several Comenity accounts are common.
Each application is still a hard inquiry and a new account, though. Both temporarily lower your credit score, and multiple applications in a short window compound the effect.
Do Comenity cards offer balance transfers?
Most store cards do not. They are built for purchases at one retailer.
The co-branded cards generally do offer balance transfers, but the transfer APR is often the same as the purchase APR, plus a fee of $10 or 5% of the transfer. That is not a useful balance transfer product.
Can I convert a Comenity store card to a different Comenity card?
No. Comenity does not move accounts between programs. You would need to apply separately, which means a new inquiry.
