The 10 Best Credit Cards For Comenity Bank

Comenity Bank offers co-branded credit cards for over 140 stores. Credit cards for Comenity bank usually have no annual fees, lax approval requirements, and low credit limits, which makes them popular among people with fair to average credit. You can use Comenity credit cards to rebuild your credit. The bank reports to all three major credit bureaus, including Experian, Equifax, and TransUnion, which allows you to rebuild your credit rating over time. However, you will need to pay all your bills on time and keep your credit utilization below 30 percent to see notable changes in your ratings.

The credit cards for Comenity bank can also help you earn extra rewards if you are a loyal shopper to one of the partnering stores. Most co-branded Comenity credit cards come with attractive promotional discounts and continuing benefits for cardholders. The benefits and rewards vary from one co-branded credit card to another. We will help you find the card with the best rewards by reviewing some of the popular credit cards for Comenity bank. That said, you should look for a card that best fits your financial situation and ability as they tend to have high APRs. You should pay all your monthly balances on time to avoid excessive fees.

The 10 Best Credits Cards For Comenity Bank

1. Big Lots Credit Card

Top on this list is the Big Lots Credit Card for its flexible payment plans. It does not have annual fees and the cardholders can avoid paying interest on their purchases if they pay within the grace period. The month-to-month purchases are due on the 25th of every month. The card further offers a six-month no-interest payment plan for purchases of at least $250 and a 12-month no-interest payment plan for purchases of $750 or more. Big Lots credit card is a good store if you are looking to fully furnish your home or buy an expensive item and pay over time.

However, you may need to look for an alternative card if you would like to carry balances month-to-month. Big Lots credit card has a high APR of 29.99 that would make your purchases expensive if you fail to pay the balance on time. The high interest rate can be dangerous if you fail to pay all the balance within the six-month or 12-month payment plan as you will have to pay interest from the first month you bought the item. The card further does not have special rewards for cardholders.

Highlights

  • $0 annual fee
  • 6-month deferred interest plan for $250 purchases
  • 12-month deferred interest plan for $750 purchases
  • $0 sign up bonus

2. Ann Taylor All Rewards MasterCard Credit Card

Ann Taylor All Rewards MasterCard Credit Card does not have an annual fee, allowing you to focus on shopping while saving. It also comes with a generous reward rate of up to 5 reward points for every dollar you spend. It is a good option if you are looking for a card that rewards you for most of your purchases. The card further allows you to transfer your balance; a feature that is not available in most branded store credit cards. The Ann Taylor All Rewards credit card has a five percent balance transfer fee with a minimum $10 balance fee.

The Ann Taylor All Rewards MasterCard is one of the credit cards for Comenity bank that supports foreign transactions. It is a good alternative if you are looking for a store credit card that you can use while on foreign trips without paying an annual fee for the privilege. However, the card charges a three percent commission whenever you make a transaction outside the U.S. You will likely get approval for the Ann Taylor MasterCard if you have a credit score of between 640 and 850. Nevertheless, people with bad credit scores may get approval for the card if they add a consigner. Ann Taylor’s credit card further rewards you with two points for eligible gas purchases.

Highlights

  • 5x reward points for every dollar spent
  • 2x reward points for applicable gas purchases
  • $20 signup bonus
  • $0 annual fee
  • Accepts cosigners
  • 5% balance transfer fee
  • 3% foreign transaction fees
  • 24.99% variable purchase APR rate

3. IKEA Credit Card

IKEA credit card is a popular low-maintenance store card that rewards you for your purchases. The card has a reward rate of between one and five percent and a reward bonus of up to $50.It does not have an annual fee and the regular APR is 21.99, which makes it ideal for individuals looking to rebuild their credit score without paying a premium. The card has a signup reward that offers $25 off your first purchase of $25 or more if you open and use the card the same day. You will also get a $25 IKEA reward certificate if you spend $500 on qualifying purchases outside of IKEA, TaskRabbit, and Traemand within the first 90 days.

You can use the Comenity bank IKEA Credit Card for almost all your purchases and get rewarded. Also, you will get five percent cashback if you use the card for grocery, dining, and utility purchases. You will also get one percent back in rewards on all other purchases. The card further rewards you for earning rewards. Cardholders get a $15 IKEA reward certificate whenever they earn $15 in rewards. Other card benefits include automatic enrollment in the IKEA Family loyalty program, zero liability, emergency card replacement and cash disbursement, and auto rental protection.

Highlights

  • $25 off your first IKEA $25 or more purchase
  • $25 IKEA reward certificate for $500 purchases within 90 days
  • 5% back on IKEA purchases
  • 3% back on grocery, dining, and utility purchases
  • 1% back on all other purchases
  • $15 IKEA reward certificate
  • Auto rental protection
  • Zero liability

4. Bed Bath & Beyond Credit Card

If you are looking for flexibility in your payments, the Bed Bath & Beyond Credit Card allows you to pay off your purchases without interest for up to twelve months. You will not attract interest if you pay off your balance within six months for $250 to $500 and within 12 months for purchases of $500 or more. The card has attractive rewards of between one and five percent. You can earn five percent back for every dollar you spend at buying BABY Christmas Tree Shops, Bed Bath & Beyond, That, Harmon Face Values, and Cost Plus World Market. The cardholders further receive two percent back for every dollar spent on groceries and gas and one percent for every dollar spent anywhere else.

Bed Bath & Beyond Credit Card further offers a $20 reward certificate if you make $20 or more purchases the first day. It also comes with a $25 coupon off $100 purchases and a $10 reward certificate whenever you earn a $10 reward. The cardholders also get a $25 and an additional $75 gift certificate if they spend $1000 and $6000 within the first six months. Bed Bath and Beyond credit card does not have an annual fee, which makes it ideal for individuals looking for a low-maintenance card. However, it has a regular APR of between 13.99 and 23.99 percent.

Highlights

  • $0 annual fee
  • Zero-interest for six to 12 months
  • 13.99% to 23.99% regular APR
  • $20 reward certificate
  • $25 off $100 coupon
  • 5% back for every $1 at Bed Bath & Beyond
  • 2% back for groceries and gas
  • 1% back on every $1 spent anywhere

5. Westgate Resorts Credit Card

Westgate Resorts Credit Card is one of the best travel credit cards for Comenity bank. The card does not charge an annual fee and offers rewards of between one and two points for every dollar. It is a good travel card if you are looking for a low-maintenance card that offers a wide range of benefits. The card rewards the cardholders with 4,000 bonus points if they make purchases of at least $500 outside the Westgate within the first 60 days. Westgate customers can earn two points for every dollar they spend at the store. You will also qualify to earn two points for every dollar on groceries and gas purchases.

Westgate Resorts Credit Card further offers one point for every dollar you pay anywhere else with the card. You will also get a $25 reward certificate for every 2,500 points earned. The credit card also offers airport concierge discounts, preferred check-in, identity theft resolution services, and online account management. The credit card has a regular APR rate of between 13.99 and 22.99 percent.

Highlights

  • 13.99% to 22.99% regular APR
  • $0 annual fee
  • 4000 bonus points
  • 2 points per $1 for Westgate purchases, grocery, and gas purchases
  • 1 point for a dollar for all other purchases
  • Preferred check-in
  • $25 reward certificate for 2500 earned points

6. Toyota Credit Card

Car maintenance is necessary to ensure good performance and reliability at all times. Toyota Credit Card enables Toyota car owners to earn rewards whenever they take their car for repair or maintenance. The card does not have annual fees, which means that you do not have to incur an additional cost. It offers rewards of between one and five points for every dollar you spend. You will earn five points for every dollar spent at Toyota dealerships and two points for every dollar on dining, gas, and entertainment purchases. You can use the card to shop anywhere Visa is accepted and earn one point you every dollar you pay. Toyota Credit Card also comes with 5000 bonus points if you spend $500 outside Toyota dealerships within the first 90 days.

Highlights

  • $0 annual fee
  • 13.99% to 22.99% regular APR
  • 5,000 bonus points
  • 1 to 5 points reward rate
  • Redeem points on parts, service, and accessories

7. Lexus Credit Card

Lexus car owners can earn rewards whenever they take their car for repairs or maintenance with the Lexus Credit Card. The card does not have an annual fee, which makes it a good choice for individuals interested in low-maintenance cards. Also, the card offers rewards of between one and five points for one dollar. The card gets you five points for every $1 you spend at participating Lexus dealerships. You will also earn two points per dollar you spend on dining, gas, and entertainment purchases, and one point for a dollar you spend elsewhere. You can redeem the points you earn for parts, accessories, and service at eligible dealerships.

Highlights

  • $0 annual fee
  • 1 to 5 points per dollar
  • 5000 points reward bonus
  • Redeem points for parts, accessories, and gift cards

8. Sportman’s Warehouse Store Card

If you are into sports, the Sportsman’s Warehouse Store Card can help you earn whenever you buy a sporting item. The card does not have annual fees and you can keep earning points as long as you earn one point every 12 months. The Sportsman’s Warehouse Store Card does not have a cap on the points you can earn. You can redeem the points you earn from as low as one point for gear. The card offers five points for every eligible $1 you spend at the Sportsman’s Warehouse. The card further offers 15% off your online purchase if you open and use the card the same day. Special offers and exclusive deals are also available to cardholders.

Highlights

  • $0 annual fee
  • 5 points rewards for every dollar
  • 15% discount
  • You need at least one point to redeem

9. Farmers Credit Card

Farmers Credit Card offers cardholders 3000 bonus points if they spend $500 in the first 90 days and 1,000 points on every account anniversary date. The card has a reward system that offers three points for every dollar you spend on gas and home improvement stores and Farmers Insurance Products, and one point for every dollar you spend elsewhere.

Highlights

  • $0 annual fee
  • 1 to 3 points reward per $1
  • 3000 points rewardreward bonus

10. Williams Sonoma Credit Card

Williams Sonoma Credit Card does not have an annual fee and offers rewards of between one and five for every dollar you spend. You can earn five points for every dollar you spend at Williams Sonoma, two points per $1 you spend on dining, and one point per $1 for all other purchases. The card further offers a $25 certificate every time you spend 2500 points and a $25 certificate on your birthday month.

Highlights

  • $0 annual fee
  • 1 to 5 rewards points per $1
  • 20% rewards bonus
  • $25 certificate on your birthday month

Conclusion

Credit cards for Comenity bank are beneficial if you shop frequently from one of the partnering stores. The cards are easier to apply with most Comenity credit cards accepting credit scores of at least 640. They also report to all major credit bureaus, which makes them ideal for individuals looking to build or rebuild their credit history. They also do not have annual fees and offer attractive rewards.