comenity bank credit cards

Comenity Bank is one of the largest issuers of co-branded credit cards, covering retail stores, travel services, healthcare services, and more. Alphaeon Credit Card Accounts are issued by Comenity Capital Bank. Credit card offers are subject to credit approval. **Minimum payments are required for. Store credit cards have insane fees, complicated rewards, Alliance Data Card Services (Comenity Bank), Express Next Credit Card.

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How to Beat Comenity Bank Debt Collection

Summary: Is Comenity Bank suing you for an old debt? Don't let them win without a fight! You can beat Comenity Bank in court!

Calls, mail, or lawsuits from a debt collector is never something that you want to deal with, but it happens and is more common than you might think. The Consumer Financial Protection Bureau states that more than 70 million Americans have dealt with debt collectors. Out of this number, 25% felt uncomfortable, harassed, or threatened during these times.

Oftentimes debt collection agencies use certain language to scare you. Although this is completely illegal, it is used to generate fear to try and force you to pay. A debt collector can garnish your wages, and this may feel scary. If you know your rights then you can use their illegal actions to your advantage. Understanding what happens when you are served for papers, and how to take the steps to prepare to defend yourself, is essential.

Protect your wages from garnishment by filing a response with SoloSuit.

What is Comenity Bank Debt Collection?

Comenity is the bank behind many common credit cards. Located with their headquarters in Columbus, Ohio. Comenity has around 50 million card members. If you have ever applied for a credit card with Abercrombie & Fitch, Ann Taylor, Bed Bath & Beyond, Crate & Barrel, New York & Company, Pottery Barn, Victoria's Secret, West Elm, or another similar store, then this is who the card is operated through.

How to Beat Comenity Bank Debt Collection in Court

Respond to the Lawsuit or Debt Claim

Although it may be tempting to avoid responding to a debt collection lawsuit, one of the biggest mistakes made by debtors is not responding to the claim. This claim will come in the form of a letter notifying you of the debt. If you owe the debt and cannot pay it, you still need to respond. This will only give Comenity Bank Debt Collection a default judgment against you.

Avoid a Default Judgement

Default judgments allow multiple avenues of collection for debt collectors. This involves:

  • Wage garnishment
  • Taking money directly from your bank accounts
  • Adding attorney's fees, court costs, and interest
  • Placing a lien on your property

Tips for Your Response

When a debt lawsuit is placed into action it means you can no longer simply respond via phone. You will need to send a legal letter that is called an Answer. Tips for sending your answer include:

  • FIle an answer Clerk of Court
  • Never admit responsibility
  • Ask for a stamped copy of the Answer from the Clerk of Court
  • Send the stamped copy certified mail to the plaintiff
  • Respond within the amount of time outlined which is 20 to 30 days

Don't let debt collectors push you around. Respond with SoloSuit.

Challenge Comenity Bank's Right to Sue

One way to respond to a debt lawsuit is to challenge the legal right to even file the lawsuit against you. Although Comenity is usually only the second person to hold your debt, there is still the chance that they may not have the proper chain of paperwork to back up ownership.

Typically when it comes to debt collectors your debt has been passed around and sold more than one time. If an entity owns a debt, they have to legally show that they have the right to be pursuing a lawsuit against you. If you do not respond to the lawsuit you will not have the chance to ask for this proof, and your non-response is considered an “admission of responsibility”.

Instead, you can ask for documentation to prove that you can legally be sued for the debt by a specific debt collector.

What to Ask For

  • Signed credit agreement
  • Chain of custody showing where the debt came from and the right of ownership
  • Proof that you are responsible for the debt
  • Proof that they have the right to sue you
  • Proof that you owe a specific amount

Proof of the above may include:

  • An indication that the balance was increased after you made purchases
  • The balance being increased due to fees that you agreed to in the original credit agreement
  • Records of an accurate depiction of the balance including all previous payments and adjustments

Check on the Statute of Limitations

The statute of limitations governs how long a creditor can legally sue you for debt. The rules vary based on the state and the situation, but most often the average is four to six years. In some extreme cases, such as New York, the statute of limitations is up to 20 years.

These periods begin on the last date that you were active on the account. This means that the last time you used a credit card, obtained funds from a loan, or made a payment count as activity. This is why you should not pay on any older debts, even if a creditor makes you some type of promise.

Because making a payment restarts the clock on your debt and starts the statute all over again, you may have noticed a debt collector pushing you to make payments. Although they may disguise this as a way to get them off your back, it is quite the opposite.

Make the right affirmative defense and win your case with SoloSuit.

Should You Hire an Attorney?

Although some people look to hire an attorney, it is not always financially feasible. What is good to note is that many attorneys offer free consultations which can give you some insight into your case. Attorneys also often work on a contingent basis, only paying themselves out of your case funds. If there is not much of a countersuit, you may not have a reason to hire an attorney.

Filing a Countersuit

Debt collectors that violate the Fair Debt Collection Practices Act, known as the FDCPA, may be required to pay up. This is because various practices are not legal, but debt collectors still practice them. These include harassment, calling at odd hours, and lying about who they are. If this has happened to you, you may benefit from working with a lawyer on a contingent basis.

Regardless of the situation, you will need to do what works best for your situation. Look through your options, never admit guilt, and know your rights.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

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Best Comenity Bank Credit Cards for 2021

Comenity Bank is a financial services company that offers credit cards through national retail chains to consumers around the country.

Comenity logo

In fact, the 30-year old credit card issuer has more than 50 million card members through its various credit card programs. So what makes Comenity Bank and its store credit cards so special?

For many people with bad credit, these cards help them access new credit by avoiding a hard pull using the “shopping cart trick.” Regardless of your credit score, you can also benefit from store-specific perks with a retail card.

However, some Comenity credit cards are better than others, particularly when it comes to the quality of their rewards program. Plus, whether or not you should actually open up one or more new credit cards depends on your personal situation.

Keep reading to find out everything you need to know about Comenity Bank credit cards and which may be the best one for you.

Comenity Bank Retail Store Credit Cards

From mall shops to online stores and many others in between, Comenity credit cards run the gamut when it comes to variety.

You’ll need to apply separately for each specific credit card you want, so it’s good to know all of your options upfront. Then, research the benefits you get from each one.

Comenity Bank offers nearly 150 retail store-branded credit cards, including:

Other Credit Cards from Comenity Bank

In addition to retail store cards, Comenity Bank provides consumers with specialty credit cards of other types as well. For example, for medical purchases, you can choose from a selection of medical-related cards. In addition, some purchases can be eligible for deferred interest, while other cards can help finance elective health-related procedures.

Your Tuition Solution credit card helps to pay for private school and other educational costs. There are also Comenity credit cards for certain auto manufacturers like Lexus and Toyota and hotel cards from Red Roof Inn and Westgate Resorts.

Here’s the complete list:

Why are Comenity 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. As a result, many people apply for a credit card at stores they shop at frequently.

Credit lines start small, around $500, but after making regular purchases and paying off your balance, you’re likely to get an automatic credit limit increase. In fact, these credit limit 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 score 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. But, for many people, it’s a simple way to get started on the way to better credit.

What are the best credit cards from Comenity Bank?

Each Comenity credit card typically comes with some sort of incentive. Most frequently, you’ll be given a discount on your first purchase, usually ranging between 10% and 20%. After that, you may be sent certain offers and discounts throughout the year.

Depending on the store credit card, some may have better benefits than others. After all, not all participating stores are owned by the same company, so they’ll each have a different strategy for their cardmember perks.

If that’s your primary reason for opening one or more Comenity Bank store credit cards, do your research in advance to find out which ones give the best rewards. Here are a few of our favorite Comenity Bank cards in terms of the biggest benefits offered to cardholders.

Marathon Visa

This gas rewards credit card is ideal for anyone with a car who lives in the eastern half of the U.S. It offers extensive discounts on fuel at any of Marathon’s 5,500 locations in 19 states.

When you sign up, you’ll automatically qualify for some strong incentives. Basically, the more you charge to your Visa card (anywhere that Visa is accepted, not just at Marathon), the greater rebate you’ll receive.

For example, in the first 90 days, if you charge $1,000 a month on your credit card, you’ll receive a 50-cents per gallon rebate on your Marathon purchases. When you spend between $500 and $999 per month, you’ll receive a rebate of 30-cents per gallon.

Marathon Visa

Even if you spend less than $500, you’ll still get a 10-cent rebate per gallon. Once you’ve accumulated a minimum of $25 in rebates, you’ll get a cash card to be used for any future Marathon purchase. After the initial period, you’ll get a 2-cent rebate and can cash in after accruing just $10.

If you drive a lot and commit to paying off your balance each month, this could be a very lucrative credit card for you. Of course, you’ll also need to make sure you live in an area with plenty of Marathon locations. But when used correctly, the Marathon Visa can put a huge dent in your monthly gas tab, making it a popular card issued by Comenity Bank.

MasterCard for BJ’s Members

My BJ’s Perks MasterCard is a fee-free credit card available for members of BJ’s Wholesale Club. Most locations are on the East Coast, so if you live near one, consider taking advantage of their cash bank program, especially if you shop often and like to buy in bulk. It’s a pretty comprehensive credit card, especially considering that there’s no annual fee.

You’ll earn cash back on different types of purchases, which can then be used towards future BJ’s purchases. For instance, depending on which membership level you choose, you get either 3% or 5% cash back on any of your BJ’s purchases.

Additionally, all cardmembers get 10-cents off each gallon at BJ’s gas stations. You’ll also get 2% cashback from dining out just about anywhere as well as from gas purchases made at any other gas station.

When you shop anywhere else with your BJ’s MasterCard, you’ll get a cool 1% in cash back. So again, as long as you stay on top of your monthly balances, you can quickly see some savings with this credit card.

Farmers Insurance Visa Card

This is another fee-free credit card with strong benefits, and it doesn’t matter where you live. You earn points on each purchase you make. You can then redeem the points for statement credits, travel, gift cards, and more. Another major benefit of this Comenity card is the 0% APR for the first 12 months, after which rates run between 13.99% and 20.99%.

So how do you earn points? You get 3 points for each $1 spent on Farmers products, gas, or home improvement. Plus, you get 1 point per dollar spent on anything else you charge to your Farmers Visa.

Points never expire, and there’s no maximum to how much you can earn. If your most expensive purchases tend to be gas or home repair items, consider this card.

It’s also a good option if you tend to carry a small balance from time to time because you won’t be charged interest for the first year. Just be sure to pay off your debt in its entirety before your introductory period is up; otherwise, your balance will be subject to a potentially high interest rate.

Is a credit card from Comenity Bank right for you?

Clearly, there are countless options available when it comes to getting a credit card from Comenity Bank. Whether one (or more) is right for you depends on your credit history and financial goals. If you’re primarily motivated by lucrative rewards and benefits, explore all of your options before settling on one.

If you plan on making an expensive one-time purchase, you may benefit from opening a Comenity Bank store card to get that big discount. But don’t do it just because a sales associate is pressuring you in the checkout line.

Approval with No Credit Check

If you have less than perfect credit, you may want to get a Comenity credit card because it’s possible to get approved with no credit check. Before you do, though, think about what you hope to get out of the card.

Are you trying to rebuild your credit by lowering your credit utilization ratio and making on-time payments?

If so, opening a new account may be helpful to your personal situation. But, if you struggle with debt and aren’t paying off your credit cards each month, then it may be best to hold off on getting a Comenity Bank credit card.

Credit Inquiries

You also might want to avoid opening a new credit card if you’re gearing up for a major loan application like a mortgage. Too many credit inquiries might make it look like you’re tight on cash. Also, never feel like you need to get a credit card before you’re ready simply because of a “time-sensitive” promotion.

Comenity Bank and other issuers regularly offer perks, bonuses, and other benefits for new cardmembers. But, you can always either wait or try a different card to find the best deals available when you’re actually ready.

Comenity Bank Customer Service

One thing you should know is that, compared to other credit cards, Comenity Bank is known to be lacking in the customer support area. Some people have reported that their payments were received late or not at all, which has resulted in late fees and damage to their credit scores.

Most Comenity credit cards do not offer an auto-pay as an option, so it would be wise to make your payments well ahead of the due date to make sure they’ve been received. It’s also been reported that their customer service agents aren’t very helpful.

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 and benefits 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 credit card.


Comenity Direct Review

Comenity Direct, a brand of Comenity Capital Bank, is a digital bank that offers banking products, including savings accounts and certificates of deposit (CDs).

Comenity started as a credit card issuer and introduced its first credit card in 1986. Now, more than 50 million people carry its private label, branded and business credit cards. Comenity launched Comenity Direct in 2018 to offer banking services to consumers.

This review will detail Comenity Direct’s two banking products: high-yield savings accounts and CDs. Annual percentage yields (APYs) and account details are accurate as of March 15, 2021.

Account Basics

High-Yield Savings

The Comenity Direct High-Yield Savings Account pays 0.60% APY, which is more than 12 times the national average rate on savings accounts, according to March 2021 data from the FDIC.

With Comenity Direct, you’ll need to deposit a minimum of $100 to open a high-yield savings account. There’s no monthly maintenance fee and you’ll have up to six free withdrawals per month. It also doesn’t charge for incoming wire transfers, Automated Clearing House (ACH) transfers or online statements.

However, this account comes with a few fees for outgoing wire transfers ($25 per transfer), paper checks ($15 per request) and paper statements ($5 per request).

Interest on the high-yield savings account is compounded daily and credited monthly.


Comenity Direct offers a range of CDs, with terms from one year to five years. All of the CDs require a $1,500 minimum deposit.

Here are the rates for Comenity Direct CDs:

Interest on Comenity Direct CDs is compounded daily and credited monthly. The stated APY assumes that all interest will be credited to the CD account. However, you can opt to have interest paid out monthly to a verified or Comenity Direct savings account. You’re also able to auto-renew once the CD matures or cash out without any penalty within a 10-day grace period.

If you decide to withdraw your funds prior to the CD maturity date, you will incur an early withdrawal penalty. For CD terms of up to three years, the penalty is 180 days of simple interest. For CD terms of four years or more, the penalty is 365 days of simple interest.

As with its high-yield savings account, ACH transfers and incoming wire transfers are free.

Access on the Go

Because Comenity Direct lacks a physical branch presence, it has built out digital access to its products. This includes both a mobile app (available for iOS and Android devices) and online banking. Both web and mobile app access are available 24/7 but, if you prefer to speak with someone directly, you can chat with a customer service representative Monday–Friday, 7 a.m. to 11 p.m. CT, and Saturday–Sunday (and most holidays), 9 a.m. to 5 p.m. CT.

The Comenity Direct app gets a strong rating of 4.5 out of 5 stars on the App Store, but only a rating of 2.4 on Google Play. The low Google Play rating, in large part, reflects users who sought to use the Comenity Direct banking app to manage their credit cards, which it is not designed to do.


  • Very competitive interest rates on banking products
  • No monthly maintenance fees on savings or CDs
  • Flexible hours to reach customer service representatives
  • Comenity Direct app available for iOS and Android


  • No checking or money market products
  • Not integrated with Comenity Bank, in the case that you have a Comenity bank credit card
  • No physical bank locations to deposit cash or speak with in-person representatives

How Comenity Direct Stacks Up

The APYs on Comenity Direct’s CDs are among the best CD rates available. The Comenity Direct High-Yield Savings Account’s APY is very competitive as well. If you’re looking for a safe place to put your savings—whether utilizing a time deposit (CD) or a high-yield savings account—Comenity Direct may be an attractive choice.

However, Comenity Direct is not a full-service bank, putting it at a disadvantage to some of its competitors. You also will need to be comfortable with transacting via online and mobile access, since Comenity Direct does not maintain a physical branch presence.

Frequently Asked Questions (FAQs)

Is Comenity Direct FDIC insured?

Yes, Comenity Direct is a brand of Comenity Capital Bank, which is FDIC insured (FDIC# 57570). This means that your money is insured for up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.

How do I contact Comenity Direct?

If you have questions regarding your Comenity Direct account, give customer service a call at 833-755-4354. Call center hours are 7 a.m. to 11 p.m. CT on weekdays and 9 a.m. to 5 p.m. CT on weekends and most holidays. You also can send a secure message via your online account.

What are the requirements to open a Comenity Direct account?

To open a Comenity Direct account, you must be at least 18 years old, be a U.S. citizen or resident alien, have a U.S. government-issued Social Security number and a physical U.S. address.

How do I log in to my Comenity Direct account?

Visit the Comenity Direct website. The login button is in the top right corner of the home page. From there, input your username and password to view your account. You can also access financial tips and other helpful resources.

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Guide to Comenity Bank-issued credit cards

The most popular credit card issuers on the market today—Chase, American Express and Discover—really need no introduction. Most people have heard of them, and it’s not uncommon for consumers to carry their credit cards.

But some card issuers aren’t as well-known, and this includes Comenity Bank. This card issuer offers dozens of store credit cards from popular retailers we all know and love.

What is Comenity Bank?

Founded more than 30 years ago, Comenity Bank is a specialized bank that focuses on a few different banking products. This includes the 140-plus store credit cards it offers with retailers around the world, as well as its high-yield savings accounts and certificates of deposit.

Unlike other banks, Comenity Bank does not have any physical locations for customers to visit. It’s an online bank, so its 50 million credit card customers can contact Comenity over the phone or at its website or use its mobile app.

Comenity Bank and Synchrony Bank: Are they the same?

While consumers often confuse Comenity Bank and Synchrony Bank, these institutions are separate. Both offer an array of store credit cards with major brands, so their offerings are sometimes lumped together.

Are Comenity Bank cards on Visa’s or Mastercard’s network?

Some Comenity Bank cards are also included in major card networks, which means they can be used almost anywhere. An example is the Bed Bath & Beyond Mastercard, which can be used anywhere Mastercard is accepted..

Other Comenity Bank cards are store cards, which means they can only be used in a specific store or a family of stores. A good example is the Big Lots Credit Card, which can only be used for purchases at Big Lots.

Stores that offer retail credit cards through Comenity Bank

Comenity Bank offers more than 140 credit cards with various retailers, and a lot of them are outside the U.S. or only relevant on a regional basis. However, it also offers plenty of cards representing huge brands everyone has heard of. Some of its most popular store credit cards include these offerings:

  • Angel Credit Card (Victoria’s Secret)
  • Ann Taylor ALL Rewards Credit Card
  • Big Lots Credit Card
  • Burlington Credit Card
  • My Place Rewards Credit Card (The Children’s Place)
  • Eddie Bauer Credit Card
  • IKEA Projekt credit card
  • J.Crew Credit Card
  • Ultamate Rewards® Mastercard and World Mastercard (Ulta Beauty)
  • Wayfair Credit Card

Is a Comenity Bank credit card right for me?

Comenity Bank offers a variety of credit cards, so making the decision to apply depends on the card you’re interested in and your spending habits. That said, store credit cards in general have unique perks and drawbacks. If you’re considering a Comenity-issued card, weigh the advantages and drawbacks, and remember to read the fine print.


  • Earn boosted rewards for purchases from your favorite brands. If you’re already spending regularly at a particular store, why not earn cash back or points for your loyalty?
  • Receive an intro bonus or discount. Like many credit cards, plenty of Comenity-issued cards offer introductory bonuses for new cardholders. For example, the Ultamate Rewards Mastercard offers 500 bonus points when you spend $500 outside of Ulta Beauty in the first 90 days.
  • Build credit. Retail credit cards are often easier to get approved for than the top rewards credit cards, which usually require good to excellent credit. If you’re looking for a card that will help you earn rewards while you build your credit from fair to excellent, a store credit card is a great entry point.
  • Comenity’s EasyPay feature. Most Comenity-issued cards offer EasyPay, a tool that allows you to pay your bill with just a few identifying pieces of information instead of having to log into an account with a username and password.


  • Inflexible rewards programs. Retail cards can be restrictive in terms of redemption options. The Eddie Bauer credit card, for example, earns rewards that are only good for certificates that you can redeem for more Eddie Bauer merchandise. Some cards have more flexible programs, however.
  • Limited use. Some Comenity-issued cards are only usable at the associated merchant. For example, you couldn’t make purchases at the grocery store with your J.Crew Credit Card—it can only be used for online or in-store J.Crew purchases.
  • Higher-than-average interest rates. Store credit cards are notorious for charging high interest rates. If you tend to carry a balance, you may be better off with a low-interest credit card.
  • Lack of physical locations. Comenity Bank has just one branch, located in Wilmington, Delaware. If you like the idea of being able to talk to a representative face-to-face, this could be a major drawback.

Alternatives to Comenity Bank credit cards

Knowing that store cards can sometimes be restrictive, you may want to consider credit cards that offer rewards for purchases made at any department store, and not just one.

  • TheU.S. Bank Cash+™ Visa Signature® Card* is a good example since this card offers 5 percent back on up to $2,000 spent in two categories of your choosing each quarter, and two of the options are department stores and select clothing stores. You can also earn 2 percent back in an everyday category of your choosing among gas, grocery stores or restaurants as well as 1 percent back on other purchases. You can even get started with a $200 cash bonus when you spend $1,000 on your card within 120 days of account opening, and you won’t pay an annual fee.
  • TheBank of America® Customized Cash Rewards credit cardoffers 3 percent cash back in the category of your choice, including gas, online shopping, dining, travel, drugstores or home improvement and furnishings. You’ll also earn 2 percent cash back at grocery stores and wholesale clubs ($2,500 combined limit on 2 and 3 percent categories each quarter, then earn 1 percent). If you’re a big online shopper, this card could offer a hefty rewards payout.

Also, many cash back credit cards let you earn a flat rate of rewards with no annual fee. You can often redeem your rewards for cash back in your bank account, gift cards or statement credits.

  • TheCiti® Double Cash Cardis a popular option since you earn 2 percent back on all purchases you make—1 percent when you make a purchase and another 1 percent when you pay it off. There’s no annual fee, and you can redeem your rewards for a statement credit, a direct deposit or a check.
  • The Wells Fargo Active Cash℠ Card also offers an unlimited 2 percent cash rewards on your purchases, and it has no annual fee. You can redeem your cash back as a statement credit or for physical cash, direct deposits, gift cards and even travel.

Background on Comenity Bank’s debt collection practices

One final note about Comenity Bank: This bank was once sued by the Federal Deposit Insurance Corporation (FDIC) and forced to pay a settlement due to deceptive practices regarding the marketing and servicing of credit card “add-on products.” This involved Comenity telling customers its products don’t have any fees if they don’t have an account balance, but then charging one anyway.

Comenity Bank may have learned its lesson considering the settlement it was required to pay surpassed $50 million. However, consumers who use its products should be sure they are not charged any undisclosed fees or held hostage by other deceptive debt collections methods.

The information about the U.S. Bank Cash+™ Visa Signature Card has been collected independently by The card details have not been reviewed or approved by the card issuer.


5 Things to Know About the Petco Pay Credit Cards

The Petco credit cards are designed to help pet parents earn rewards on their furry friends’ expenses. Cardholders can even customize their cards with a favorite picture of their beloved pet pal (and get an annual birthday gift to boot).

But even dedicated pet owners who spend a lot on pet products at Petco might want to avoid these store-branded credit cards and instead opt for a general-purpose card with more flexible rewards.

Here are five things to know about the Petco Pay credit cards.

» MORE:NerdWallet's best credit cards for pet owners

1. There are two versions of the Petco Pay credit card

Petco offers two credit cards, both issued by Comenity Bank. Neither has an annual fee, and both can earn rewards:

  • Petco Pay Credit Card: This card can be used only at Petco stores, known as a "closed-loop" credit card.

  • Petco Pay Mastercard Credit Card: This version can be used anywhere Mastercard is accepted. Store cards that can be used more broadly are known as "open-loop" cards.

You must first be a member of Petco’s free loyalty program, Pals Rewards, to apply for these cards. Once you’re signed in to your account, you’ll fill out a single application for both cards.

If you’re just interested in the store-only, closed-loop credit card, you can mark that on your application. Otherwise, you’ll first be considered for the Mastercard. If you’re not approved, you might still qualify for the store-only credit card.

» MORE:Looking at store credit cards? You'll likely get more value out of these cards

Nerdy tip: Every time you make a transaction with your card, Petco will donate 25 cents to the Petco Foundation, a nonprofit organization that supports animal welfare.

2. The earning rate is decent ...

Cardholders of either card version earn 8% back on Petco purchases.

The Petco Mastercard version also earns:

  • 2% back on grocery store purchases.

  • 1% back on all other purchases.

The 8% back is not as generous as it sounds, though. That's because all Pals Rewards members will earn 5% on each Petco purchase, regardless of whether they hold the card. With the Petco credit card, you'll earn an additional 3% back on Petco purchases, for a total of 8%. Not bad, but probably not enough for this card to make sense for the average Petco shopper.

If you joined the Pal Rewards program and put your Petco purchases on a credit card with 2% back on everything, you’d still get a total of 7% back on store purchases. That’s slightly lower, but your credit card rewards will be much more flexible.

» MORE:How to make the most of rewards credit cards

3. ... But the rewards are confusing

Even though rewards are advertised as percentages, you’ll actually earn rewards in the form of Pals Rewards points, which you can use only at Petco.

For each Petco purchase, you’ll receive 1.6 points. Shoppers with the Mastercard version will also earn 0.4 points on groceries and 0.2 points on everything else. (Yes, we're talking fractions of points here.)

That means a $100 purchase earns you 160 points to spend at Petco rather than the $8 you might expect from the 8% rewards-earning rate.

100 Petco points are equal to $5 in Petco rewards.

4. Your points won't have nine lives

On top of confusing earnings rates, Petco rewards are fairly restrictive:

  • Once you reach 100 points, you’ll receive a $5 credit, which you'll need to manually load to your Pals Rewards account. You can do this either online or by calling Petco Customer Relations.

  • Rewards expire one year after you earn them.

  • If you return a purchase and the points you earned are removed from your account after you already used the rewards, you could end up with a negative point balance. Any new rewards will first go toward bringing this balance to zero before you start accruing points again. And if you return something you used rewards toward, you won't get those rewards back.

» MORE:Don't let your vet bill dog you forever

Nerdy tip: When you get approved for one of the Petco credit cards, you’ll get 20% off your next purchase. But you’re eligible to receive this discount only if you use the offer the same day you apply for the card.

5. Financing options are available

Certain purchases can qualify for a financing plan, but if you choose a plan, you won't earn any rewards on that purchase.

The terms available to you will depend on how much you spend on a given transaction. You can qualify for:

  • 6-month financing on transactions with a minimum purchase of $299.

  • 9-month financing on transactions with a minimum purchase of $399.

  • 12-month financing on transactions with a minimum purchase of $499.

This option could be useful for pet parents who use Petco vets, but not all locations will qualify.

Most cardholders will receive deferred interest on financing plans. You'll get waived interest if you apply for financing in a state that bans deferred interest, according to an email from Petco.

Nerdy tip: With waived interest, interest won’t start accruing until your payment plan ends, and you’ll have to pay interest only on the remaining balance. But with deferred interest, it will start to accrue immediately. As long as you pay off the balance before the financing terms end, you won’t have to pay that interest. But if you don’t, you will be on the hook for all of it — not just the interest on your remaining balance.

Having the option to finance a purchase is a nice perk to have on a credit card, but this isn’t unique to the Petco credit cards. If you shop around, you might be able to get a better deal elsewhere. For instance, you may want to use a credit card with a 0% introductory APR period or a payment plan through some card issuers, like AmEx's options of Pay It® and Plan It® or Chase's option called My Chase Plan.

» MORE:Deferred vs waived interest: Not all 0% APR credit cards are created equal 



Eddie Bauer Credit Card


  • Join Eddie Bauer Adventure Rewards and earn an additional 2% in Rewards on every purchase when paying with your Eddie Bauer Credit Card**
  • Free Return Shipping on all orders with your Eddie Bauer Credit Card.
  • Exclusive cardholder discounts

*Subject to credit approval. Eddie Bauer Credit Card Accounts are issued by Comenity Bank.
**Must be member of Eddie Bauer Adventure Rewards program to receive and only accounts in good standing will receive additional Rewards. This rewards program is provided by Eddie Bauer, and its terms may change at any time.

For full rewards terms and conditions, please click here.


  • Details and online application.
  • Apply by phone: 1-800-426-8020.
  • California Residents: By applying, you agree to opt-in to financial incentives offered as part of the Eddie Bauer Credit Card sign up. For more information about these financial incentives offered by Eddie Bauer including material terms, please visit the financial incentives section of our Privacy Policy.


Manage Your Account Online:
With Online Account Center, you can

  • Pay your bill
  • Check your balance
  • See your credit limit/available credit
  • View and download transaction information
  • Find other time-saving features
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4 Replies to “Comenity bank credit cards”

  1. Iya bang, masalhnya saya gapunya ATM itu daftarnya via digital. Mana nomer rekening prakerja saya sudah pake norek yg BNI, gimana ya bang

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