Posted by William Charles on February 1, 2016
Credit Cards

Published on February 1st, 2016 | by William Charles


Comenity Bank Credit Cards 2018: A List, Best Cards & Easiest Cards To Get Approved For

Comenity Bank is a card issuer that you may not have heard about before (unless you’re familiar with the shopping cart trick), but they are the back end card issuer for a lot of different credit cards (with a focus on store credit cards). There are 34 million customers that currently have credit cards issued by Comenity Capital Bank or one of their subsidiary’s. Today we’re going to have an in depth look at a full list of the cards they offer, what the easiest cards to get approved for are and the best cards they offer.

Full List Of Comenity Bank Credit Cards

The reason most people want a list of all the Comenity Bank credit cards is because it’s possible to get some of these cards with bad credit (due to the fact they don’t do a hard pull) when using the shopping cart trick. If you’re looking for such a list, go here as that lists all the cards the shopping cart trick works with. This list is just all the credit cards they currently offer.

Comenity Bank Store Credit Cards

Comenity Bank Medical Credit Cards

Comenity Bank Education Credit Cards

Comenity Bank Airline & Hotel Credit Cards

Comenity Bank Auto Credit Cards

Comenity Bank Misc Credit Cards

Discontinued Cards

These cards are no longer available but were previously issued by Comenity

Best Comenity Credit Cards

Most of the cards that Comenity offer are pretty useless, they’ll offer a one time discount (of 10-20%) on your first purchase after approval (and only for that specific store) and then lackluster rewards. Some of the cards also come with a free happy birthday gift (usually a $20 reward certificate). Keep in mind these reward certificates are not gift cards, they usually have minimum spend requirements and can’t be combined.

If you shop at one of the stores a lot, it’s worth checking to see if the rewards program is any good (some of them are 10-20% back in rewards certificates). That being said, they do offer a few cards of interest that we will be taking a bit more of a closer look at. If I’ve missed any, please let me know in the comments and I’ll add them.

Total Rewards

Comes with 10,000 points and up to three free nights. More information here.

Virgin America

No longer available

This is also the only airline co-branded cards they have, they offer a Black & White card. The sign up bonuses on these cards are normally 10,000/15,000 points but ocassionally go up to 20,000/30,000 points. Unfortunately the annual fees are not normally waived ($49/$149) and because there are so many other big airline bonuses out there this card isn’t worth it unless you have a lot of flights with Virgin America.

Marathon Visa

PFDigest has written many a post on this card, but the short of it is that as gas prices fall the value of the rebate you get increases. That’s because the rebate is fixed per gallon. I get all my gas these days from gas rewards programs for pretty much free, so not very appealing to me but might be an option for some of you.

BJ’s Mastercard

This card earns 5% on most BJ’s in-Club and purchases and 10¢ off per gallon for gas at BJ’s Gas. It’s usually very difficult to get 5% back on wholesale clubs like BJ’s, so if you shop there regularly then this could be a good option.

Easiest Comenity Credit Cards To Get Approved For

The easiest Comenity Cards to get are the ones you can use the shopping cart trick on as they are not checking your credit. Out of the cards Comenity offer that this trick works on, most people find Victoria’s Secret & Overstock the easiest to get the pop up on.

[Read: What Are The Easiest Credit Cards To Get?]

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Do you know if the Virgin America cards are churnable?

I’d love to know exactly the same thing.

Julie a Graham

I have a victiria secret card for 6 years now and got arroved for total visa to

Does VS give automatic CLI or do you have to request it?

I got an automatic increase after less than 1 year of on time payments. My credit line double just before the holidays

They do. If you keep using it and paying on time they’ll up your limit. I keep getting increase and I don’t want them. I have to call and take most of my limit down.

LOL why would you do that? Have you ever heard of credit utilization?


Both.If you request one, its not a hard pull on your credit and their cli are usually very generous.

Automatic about every 3-6 months

I apply for most of comenity bank credit cards. Just last week I apply for the BJs elite and bed bath and beyond master card. I got apply for both then they closed both account after sending me one card and never send the other. They stated they closed all my accounts with their bank because they did an audit and seen that I had excessive inquiries. What is this I have good credit and shop at all of the store I received a card from. Pay on time and above my min payment. This is full of it to close my account because I apply for most their cards. How should I deal with this and how will this affect my credit score.

you forgot “wayfair”. I got the pop up preapproved, I did accept it and was approved for $500 with a soft pull in Equifax,

I got a Wayfair popup and was given 4000 credit line.

Kimmie how much did you add to your shopping cart? Was it $50, $100, $150? I cannot get a popup for wayfair.

Usually $100 will work.

How do I turn on pop up

were you logged in when you got wayfair pop up i cant ever get it to come up any info i about when u got it i would greatly appreciate it TIA 🙂

I used Google Chrome incognito. Shopped as a guest customer put a few items in the cart, went through checkout using info as I would when I apply for any account. Make sure your information matches to credit reporting.

Do you remember how much u put in cart and when I go to check out it makes me create or log in any suggestions? Sorry for all the questions TIA

Kandi, I put like $100 in cart then slowly went through the process completed my info shipping info then too right when time to process a way to pay it popped up

Do you apply for these on an I pad or desk top? In order to get the pop up?

I did the pop up with Wayfair looking at bunk beds over $400 after reading your reminder. Approved $750.

Did you on laptop or phone for wayfair?

what are pop ups im a card holder too and need to learn these tips too.

So, I think I did this all wrong because I got a HP on my app for Victoria’s Secret and Pier 1 Imports. I used the link vice waiting until I had items in the shopping cart. Could this be the issue?

I’m new to the forum. Help me understand the shopping cart trick?

My EQ is 688 and TU is 718. I’m fairly young (in college still). Friday, I got a 2k Amex everyday card, 3k on Chase Freedom, and 10K for cap one venture. I was rejected for boa travel rewards, cap one quicksilver, and Barclay. I’m trying to get what I can and then sit for 2 years to let the inquiries clear a year before graduation. Which cards might I get without a whole lot more damage? I love shopping at Macy’s, Nordstrom’s, Neiman’s, Pier1 and on Overstock and eBay…but, I’m not sure if these are good choices.

Can anyone offer some insight?

Try Macy, when I first got my Macy card I started with 500 dollars and now I reach 3,500. I get great discount with them.

So, I think I did this wrong. I received an alert that I had a HP on Pier 1 and Victoria’s Secret. Should I have waited until I got the popup in my shopping cart? I don’t mind having these cards but I’ve been 0 for 2 on tricks so far.

FYI-I hade horrible credit made by the younger years. VS approved staring at 250. Here I am, less than 1,5 years late-I have 2050 CL. Its worth in my opinion.


Add, I was pre-approved for $250 using the act!

Overstock approved my for 4,500..last week, HSN for 3, 000 two weeks ago and ULTA MC 2,000 in Dec..I’d like one more card but VISA or MC..No more just “store” cards.

How did you all get approved for overstock for some reason i keep trying and its not working

I would also like to know how to get the SCT to work for overstock. I have Victoria Secret, NY and Company, Buckle, Wayfair, FullBeauty, HSN, JCrew (didn’t accept), and recently Ulta while checking out.

When I applied for overstock I’m only used the last for digits of my ss# for the first five I used 000-00 and I was approved for $1000 and it was not a hard hit to my credit!

just want to say thank you.. I did the 000-00 trick and was approved for 3500 for overstock.. can’t believe it!!thank you again.. will see if it shows up on cr but I’m happy..

William Charles I tried entering all 0 and only the last 4 of my social. It did not work and it was a hard hit on my credit. I got notification from Experian right away!

If you don’t mind me asking what’s your current credit score?

I got the pop up for VS, my first SCT card, with an EX in the low 600’s. 620 I think, I got Express and Overstock with the same. A month later, I got Boscov’s, New York & Co, Sahalie (dont know why I accepted that one) and Brylane Home. I kept my utilization low. Only used Express and VS for holiday shopping. I could not get the pop up for the ones I really wanted which were Wayfair, Pier1, and HSN. My income is in the mid-20’s and my EX scores were in the mid 600’s by February. TU approx 630, EQ still lingering in the 620’s due to old medical bills. Most of these cards pulled Experian. Wayfair pulls Equifax which is my lowest and slowest moving score so it makes sense that I’m not getting the cards that pull EQ. I finally got the pop up for Wayfair in March. I’d been trying since November! I also got approved for Ulta for $400 (offered to me at checkout which was a nice surprise. They told me I was already approved so just like the online process, you enter your salary and last 4 of ss, DOB and bam. You’re a cardholder!) I’ve put that one to good use. The minimum pymt for this card is a bit higher, at $30, but I pay a little over because I’ll use it frequently this year. For all of these except VS and Boscov’s I was signed in to my acct. You should get the pop up after putting the cursor into the cc box to pay. If you don’t, keep gardening your credit and try a few times a month if you really want the card on a SP. The SCT has really helped me to jumpstart my credit. I’m certain that because I’ve been responsible with my cards, I’ve been able to get approved for Capital One, Amex Blue Everyday, and Chase Amazon Prime Rewards VISA (the metal one, so cool!) I egt preapprovals for subprime cards with ridiculous fees in the mail all the time but I don’t have to take them. My credit is still not where I want it to be, but I’m seeing my scores inch up every few weeks, which is more progress than I’ve made in years. Thanks to everyone who is posting and giving good info and to the creators of… Read more »

Julie Gartenberg
Julie Gartenberg

I had no problem with Boscov’s, Haband, Blair, Roamann’s. The ones I have a hard time with and never get approved for are the ones I shop the most with: HSN & JTV. You would think with all the business I have given them, they would want a steady customer having their cards. So, by not getting those, I miss out on the perks, such as the extra flex/stretch pay on purchases.

I have a few comenity bank cards, but much to my amazement when i was denied a BJ ‘s Credit Card. Can someone please shine some light on this? I have wonderful credit with them.

Comenity Bank/Comenity Capital Bank approvals are algorithm-based. If you get denied, it is helpful to call the lender to let them know you would like to appeal the turn-down decision. Most lenders will then look at your credit history and will probably ask you some personal questions (e.g., why do you want this?, how much do you currently pay per month on credit? Etc..). Some won’t overturn that decision, however, many will if you present a good case.

Marlteze Saffold
Marlteze Saffold

This trick is not working for me at all. I currently have a 530-550 range score & other than student loans ($29,000) which 4 late payments murdered my credit & 2 medical collections ($1,500) my credit isn’t that horrible but these things are like rotting apples on my credit report. This combined with no credit due primarily to the inability to get approved (other than a secured card option has been quite discouraging. I am interested in a West Elm card & a J. Crew but I’ve tried all the cards shopping cart trick. Any advice you can offer?

Stop trying for a couple years and stay with your secured card… If you keep trying for credit, it will keep going down. Wait it out and pay everything on time 530-550 is not good at all, your not going to get anything until you get up over 620 in my honest opinion and that is going to be a non rewards card. get over 680 before you try for rewards cards.

If you have any relatives that trust you and you trust them to keep low balances/pay on time, ask them to add you as an authorized user on all of their cards and tell them to shred the card when it comes so you don’t have to worry about any consequences of it getting lost/stolen.

This will significantly improve your credit because their accounts will show up under your name during credit cards pulls increasing your average age of credit and debt to income ratio.

I can see my parent’s discover card spending on my credit karma reports and how their card affects my credit on a weekly basis.

ive got a 525 score and i got a 2000 lexus pursuit visa, 1500 smile care credit account, 350 true value, 500 gettington, 500 first premeire mastercard, total visa 300, first acces visa 300, creit one platinuim card 300, plus about 10 other store cards, most banks will only let you have one card with them untill your credit worthy, but comenity loves me and my low score, because most of the cards are from comenity capital bank, they are they only one who will give me a chance, i applied for these all at once, yes they hard pulls lower your score some, but having ten good lines of credit make it go back up very fast, by the end of the week after getting approved for a bunch of store cards and sending them a payment after spending a small amount on each, i was getting 2000 lexus visa cards lol, its all about payments, thats the biggest scorer on your credit score, can increase or drop it very fast, ts up to you

Yikes No offense but you have very high interest cards with annual fees..I would wait it out like CJ says and get your credit score up…it will pay off in the end

Did you use the credit card trick to get a approved for the lexus card?

i got the lexus card using the credit card trick

How did u get the lexus card doing sct? I went to lexus CC website but u have to put full ss?

What web link (store) always purchase online and you get the Lexus Visa?

I got approved for an Express, Buckle, and Limited credit card with a score less than 550; however, my score has increased drastically since I’ve had these cards.

I was approved for several Comenity credit cards with the same credit score range. I have one derogatory medical bill that bumped my score from almost 700 to the high 500s (even though it came from a surgery I had in 2014 they didn’t notify me about it until recently and it had already done the damage) and I have student loans (they haven’t entered repayment yet) and a car loan and a capital one student credit card. I have no late payments on any of them though. I was approved for Victoria Secret, J. Crew, Express, and Henry Bendel instantly with the same low credit score. I didn’t do the shopping cart trick but you should get approved for J. Crew or any other Comenity credit cards.

That’s mean you got lots of hard pull for approved?

What is shopping card trick?

I am not getting approved for any of the cards. I do not get the pop ups. My credit score is in the 500’s but the cards that I currently have are paid on time and some paid off early- Sleepys, and Raymour and Flanagan with Genesis Bank. PcRichards with Synochrony. I have Walmart and HSN. I am trying to get Victoria secret, NY& Co again, and Wayfair. Should I try on my iphone, Ipad or lap top

I had the same issue, I applied for a Capital 1 card to improve my credit score. It done that in less than a month, now I have a credit score of 650 and rising every 7 days. I Pay all my bills at least a week ahead, and I pay 10 dollars more than the minimum every month.

Definitely bite the bullet and get a secured card. Capital One secured card was the first one that I ever got, I had to put $100 down and they gave me a $200 limit. After 6 months of on time payments they upped my limit to $500, plus, having that open credit card boosted my credit rating enough to get me approved for other cards. Coming from bad credit I know personally, you’ve got to start somewhere.

Debby you are exactly correct, starting with a secure credit card if one is not able to get approved by using the shopping cart trick or applying in the stores. A secure card is a great start to build credit history. I too was in the same situation as many of you, and I came to realize I needed to start with a secure credit card.
When applying for a secure credit card please read, read, read. The best one in my opinion is the Capital One. There are others but BE AWARE of the find print.

You can keep trying the SCT with no hard pulls

Worked for Victoria’s Secret for me! Will this only work once with comenity or just not again until time passes after the first one?

It works on most of Comenity cards you just have to throw something in the cart. Try

I cant get Overstock to work for me to save my life or HSN, but I have gotten others like VS, Coldwater Creek, Boscovs, Brylane Home. I just cant seem to get the ones i want most like the Buckle, Express, HSN, or Overstock. Any tips? Also are there any other clothing stores this trick works for that are not listed?

Pace yourself. These interest rates are high and if you are rebuilding credit, these can get you in trouble. A few years ago, I started with few cards that I new I would get such as NYC, Ann Taylor, Eddie Bauer and others. I used these cards usually for holiday shopping and always always paid on time and paid much more than what was due or paid off in full. each time I did this my credit limit went up. I never had multiple card balances at one time. Most of the time they are at zero balance as my plan was to show credit discipline. I did get the hsn card a few years ago too with 1000 limit but I wanted the overstock card the most. I purchased the membership and would occasionally complete an order something and sometimes just leave items in my cart. It took some patience (about a year) but few weeks ago when I was ordering, I got the pre approved pop up for the overstock card with a $5500 credit limit. I also just got the pottery barn card too with $2000. Hope this helps – good luck!!!!

Hi there – I got the Pottery Barn to work, but it asked for all 9 ssn, so I didn’t go any further because I didn’t want the HP. Does anyone know the answer to that?


@TJ PB asks for the full 9 as does Overstock but they are both soft pulls. I have heard of the rare occasion when a hard pull was observed after the fact but I’m not convinced that they did it correctly.

lmao i got a 250 buckle card, wow that place is expensive, i can by two and a half pairs of jeans wow, or maybe 5 shirts lol you need like 2050 to go shopping there.

Just keep trying with overstock, you’ll get the pop up..I tried about 5 times before I got it and once I did I ignored it..multiple times due to fill ss# required. They started emailing my cart to me so I went for it and got 4,500!! Don’t give up!!

Got the preapproval on then got the 10 day message. Have several Comenity cards all in good standing.

My credit score is 622 and in the span of about 2 months I was approved for
Victorias Secret
Piercing Pagoda
Old Navy
American Eagle
Dress Barn
None of theses were done with the cart trick and mostly all asked for a full SS#. These are a mix of both Commenity and Synchrony Banks. There must be somewhat of a lower standard to obtaining these cards vs MC’s & Visa’s.
I hope some of this info is helpful to someone

Any HP after approved theses card?

I believe most of them were HP . Only maybe 2 cards asked for only the last 4 of SS #.

I have been working on my credit for the past year. I have a Sports Authority Card with a $500 limit. I used this card here and there and paid off the balance. The stores are all closing due to bankruptcy. Does anything happen to my credit because a store is closing? I assume no.

Dawn. I believe the sports authority cards are being taken by Dicks Sportings Goods? not sure about this, but I heard on a commercial to bring your Sports Authority Card to them and they will do something about it etc.

[…] purchases at Williams-Sonoma, it’s unclear who will issue this card but I suspect it will be Comenity bank as WS issues the other credit cards under the WS Brand (e.g  Pottery Barn, West Elm, Mark and […]

I have several Community cards….Ashley Stewart($150) was my first one. I have NY&COMPANY($500), JUST GOT APPROVED YESTERDAY (preapproved); Buckle($250); full beauty($250); king size($250); Overstock($250); Brylane home($500. All of these we’re sct preapprovals. Vicki doesn’t like me yet. But Comenity seems to like me way more that Syncrony does that’s for sure.

Just got a cli for $200 and it hasn’t been 9 months yet. I tried luv button for my other cards no luck.

Wait every 31 days. Then it will.

I have quite a few Comenity cards using the SCT; however, I can’t seem to get a popup now. That’s okay as I want my credit score to improve as it’s only 612. So no more applying for quite some time to come. Do have several Synchrony-backed cards

I have an old Express Next credit card but do not want to close it since it will lower my AAoA. Anyone ever try doing a product change to another Comenity card?

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