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Sony Visa®
Sony Visa®
- 19.24%, 25.24%, or 27.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Sony® Visa® Credit Card is a retail rewards card from Comenity Bank. This no annual fee retail card provides plenty of points for Sony aficionados but comes up short when redeeming rewards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 5X points on entertainment and Sony purchases with Sony or eligible 3rd-party retailers
- Earn 2X points on dining and rideshares
- Earn 1 point per $1 spent on all other purchases
- Regular Purchase APR: 19.24%, 25.24%, or 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or % of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You love everything Sony - from movies, to electronics, to the PlayStation gaming ecosystem
- You prefer to redeem rewards to a rewards catalog
- You want a stylish card that shows your love for your favorite game or series
- You don’t want to pay an annual fee
Bread Cashback™ American Express® Credit Card
Bread Cashback™ American Express® Credit Card
- 20.74%, 31.24%, or 35.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 35.24% variable based on the Prime Rate Cash Advance APR
At a Glance
With the Bread Cashback™ American Express® Credit Card, holders can earn 2% unlimited cash back, with no rewards caps, opt-ins, or categories to manage. The card, from Bread (formerly Alliant Data Systems/ Comenity), offers even more value for cardholders thanks to no hidden fees – including an annual fee, membership fees, or foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 2% cash back on all eligible purchases
- Regular Purchase APR: 20.74%, 31.24%, or 35.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 35.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You don’t want to pay an annual fee
- You prefer unlimited rewards to confusing categories
- You want access to Amex protections and Amex Offers
Comenity® Mastercard® Credit Card
Comenity® Mastercard® Credit Card
- 23.24% or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Comenity® Mastercard® Credit Card offers 1.5% cash back on all purchases, a $100 cash back introductory bonus, and more for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 1.5% cash back on all purchases
- $100 cash back when you spend $500 or more within 90 days of opening your account
- Zero Fraud Liability
- Regular Purchase APR: 23.24% or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want a no-nonsense rewards credit card
- You prefer a basic rewards program with one redemption option
- You don’t want to pay an annual fee
Ann Taylor Mastercard®
Ann Taylor Mastercard®
- 35.24% variable based on the Prime Rate Regular Purchase APR
- 26.99% Balance Transfer APR
- 35.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Ann Taylor Mastercard® has strong earning potential and host of cardholder perks making it one of the strongest retail cards out there. Earn 5X points per dollar at Ann Taylor, LOFT, Lou & Grey and 2X points at gas stations and grocery stores for no annual fee. Cardholders will enjoy a lowered free shipping minimum as well as 15% off at Ann Taylor once a month.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Receive $20 for your first purchase outside Ann Taylor
- 5X points for Ann Taylor purchases
- 2X points for gas & groceries
- 1X points for everything else
- Free standard shipping on purchases of $75 or more
- 15% off first Tuesday of every month
- Regular Purchase APR: 35.24% variable based on the Prime Rate
- Balance Transfer APR: 26.99%
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of the balance transfer, whichever is greater
- Cash Advance APR: 35.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of the cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $25
- You shop at Ann Taylor, Loft, or Lou & Grey at least once every 3 months
- You want a lower shopping cart minimum to qualify for free shipping on AnnTaylor.com
- You can pay off your monthly bill in full
- You want a card with no annual fee
Caesars Rewards Visa®
Caesars Rewards Visa®
- 23.24%, 27.24%, or 32.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 33.24% variable based on the Prime Rate Cash Advance APR
At a Glance
Earn up to 5X Reward Credits with the Caesars Rewards Visa and redeem towards discounted (or complimentary) shopping, dining, and more. Enjoy fast-tracked spending to Platinum status within the Caesars Rewards program along with exclusive VIP perks only available to cardholders.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5X Reward Credits for every $1 spent at Caesars Rewards resorts and casinos
- 3X Reward Credits for dining at any of the 11,000 participating restaurants
- 2X Reward Credits for every $1 spent on airlines, gas, and groceries
- 1X Reward Credits for every $1 spent everywhere else
- One buffet pass (valid for 6 months)
- Earn 10,000 bonus points after spending $750 within 90 days
- Receive VIP Access Pass in Las Vegas for spending $10,000 within calendar year
- Regular Purchase APR: 23.24%, 27.24%, or 32.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of the balance transfer, whichever is greater
- Cash Advance APR: 33.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You have an upcoming trip to Las Vegas or other U.S-based Caesar property
- You will spend $750 within the first 90 days of owning the card
- You would use this card at least once every 6 months
- You typically spend $1,000 or more in entertainment or amenities at Caesar venues
You've viewed 5 of 30 credit cards
About Comenity Credit Cards
Comenity Bank is one of the largest issuers of co-branded retail credit cards in the United States. The bank, a subsidiary of Bread Financial (formerly Alliance Data Systems), isn’t the most recognizable name to those unfamiliar, but Comenity offers approximately 100 co-branded store cards with some of the most recognizable brands in the country, including the Victoria Secrets credit card.
Comenity cards come in two distinct varieties: open-loop and closed-loop. Open-loop credit cards feature a payment network like Visa, Mastercard, or American Express. These cards are usable almost anywhere the payment network is accepted.
Closed-loop credit cards lack a payment network. These cards are also known as private label or store cards, meaning they can only be used to make purchases with the brand – either in-store or online.
What Brands Offer Credit Cards Through Comenity?
As noted, dozens of brands offer co-branded retail cards through Comenity. The following is an example of the variety of open-looped credit cards available through Bread and Comenity Bank:
Beyond the Visa and Mastercard editions of cards with major brands, Comenity also offers many retail cards that are only for in-store or online use with that retailer. Store cards (the closed-loop variety) are a great way to access unsecured credit. This is because store cards have lower credit application rules than cards branded with the Visa, Mastercard, or American Express networks.
Here is a brief selection of examples of closed-loop store cards from Comenity:
| Big Lots | Ann Taylor | Pier 1 Imports | Crate & Barrell |
| Orbitz | Wayfair | Zales Jewelers | Piercing Pagoda |
| Eddie Bauer | Sephora | Welcome Rewards | Pottery Barn |
There are additional credit card types through Comenity, including proprietary credit cards (the Comenity® Mastercard® and the Bread Cashback™ American Express®), plus credit cards tailored towards the following sectors:
- Health & Wellness
- Travel, including hotel and resort credit cards
- Home & Lifestyle
- Automotive
- Medical
- Educational
Common Features of Bread and Comenity Cards
There are common features to many of the Comenity and Bread credit cards. These factors typically include comprehensive protections from fraud through American Express, Mastercard, Visa, and many of the following:
| Special Offers and Discounts: | Many Comenity credit cards provide cardholders with exclusive discounts, early access to sales, and special offers at partner retailers or brands. | ||
| Rewards Programs: | Most Comenity credit cards offer rewards programs that allow cardholders to earn points, cashback, or miles on their purchases. These rewards can often be redeemed for various benefits, such as gift cards, merchandise, or travel. | ||
| Personalized Benefits: | Comenity cards are designed to cater to specific customer interests. This means that the rewards, benefits, and offers often align with the cardholder’s lifestyle or preferences. | ||
| Online Account Management: | Cardholders can manage their accounts online, view transaction history, make payments, and access their rewards through a user-friendly online portal or mobile app. | ||
| Credit Building Opportunities: | Again, Comenity Bank may offer credit cards that are accessible to individuals with varying credit profiles, including those who are looking to build or rebuild their credit. | ||
| Customer Support: | Comenity provides customer support for cardholders to address inquiries, resolve issues, and offer assistance with account-related matters. You can contact Comenity customer service at 1-855-823-1001. | ||
Comenity Bank issues credit cards through four payment networks. These networks include co-branded credit cards that offer Visa, Mastercard, and American Express protections. The bank also issues store cards, which can only be used for purchases from a specific store or a family of brands. The bank formerly issued a co-branded Discover Card, the True Value Discover® credit card, but that card is no longer available to new applicants.
What are the Benefits of Comenity Credit Cards?
Since the majority of Comenity cards are retail or store cards, they are excellent options for those looking to build credit. Generally, retail credit cards have lower credit score requirements, meaning those with fair or average credit scores can apply.
Those with average credit scores also have better acceptance odds with Comenity because retail cards tend to have lower credit limits. These reduced lending risks make Comenity card options ideal for those trying to build their credit. With on-time payments and responsible usage, Comenity offers a straightforward route to better credit card offers in the future.
Store Rewards
Retail cards, like Comenity, earn rewards with the brands that issue the cards. Comenity cards are great for those who prefer to shop at specific brands and want to earn rewards with every purchase. Store cards also offer in-store discounts, savings on shipping, and other perks, which can provide significant value for loyal shoppers.
Drawbacks of Comenity Bank Credit Cards
Because they are retail cards, Comenity Bank credit cards also have some disadvantages. These shortcomings include:
Limited Acceptance:Â Store cards and closed-loop credit cards only work with one retailer. If a Comenity Bank Card lacks the Visa, Mastercard, Discover, or American Express logo, cardholders will find limited acceptability.
Higher APRs: Because store cards are available to a broader selection of credit scores, they have higher-than-average interest rates. The average APR for a store card is in the high 20s, with some rising above 30%. These high interest rates make Comenity Bank credit cards ineffective for those who may frequently carry a balance.
Low Rewards Flexibility: Because retail credit cards – and especially closed-loop store cards – are tied to a store’s rewards program, there are fewer redemption options versus an open-loop store card that allows other options like cash back, statement credits, or travel purchases.
Are There Other Alternatives to a Comenity Store Card?
Bread/Comenity is just one issuer of co-branded store cards. Several other store card issuers include big names like Citi, TD Bank, and Chase. Another major issuer of co-branded retail cards is Synchrony, which offers cards from brands like the Sam’s Club® Mastercard®, Amazon Secured Store Card, Belk Rewards, TJ Maxx, and more
FAQs About Bread Financial & Comenity Bank
Still have questions about Comenity Bank and its parent company, Bread Financial? Here are answers to some of the more commonly-asked questions regarding the bank:
Comenity Capital Bank issues and services credit cards for some of the country’s most recognized brands. You can count on Comenity for award-winning customer care and exciting card offers.
You can write to Comenity Bank at PO Box 182273 Columbus OH 43218.
You can reach Comenity customer service agents by calling 1-800-315-7260.
Comenity actually uses all three credit bureaus to gauge an applicant’s suitability for a credit card. Unfortunately, this means you need to stay vigilant on your Experian, Equifax, and TransUnion credit reports before applying for a Comenity credit card.
Yes, many Comenity co-branded credit cards offer prequalification before applying. An example of cards that offer this service include the Toyota/Lexus Rewards Visa®.
Related Article: How to Pre-Qualify for a Credit Card
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