Comenity Bank Credit Cards 2025: 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 BJs.com 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?]
    William Charles
  • On February 1, 2016, 10:30

View Comments (304)

    • I haven’t had my Comenity card that long yet but even the in-app customer service hasn’t been great. When I messaged them in the app with a question about my sign up bonus, they replied and told me to call the customer service phone #. Ultimately it got worked out but it’s like why offer the ability to send a message if you can only actually get customer service through the phone?

    • Wow. I posted in Oct 2024 this post needs a serious overhaul, and not a single thing was done except *very* deceitfully retitling the post with a 2025. I used to love this site, but there is some really old and bad info on most of the topics. Not cool.

  • What about the community. Bread American Express card? It gets an automatic 2% back on ALL purchases. No category restrictions.

    • It's a good card. Comenity needs to toe the line to get the endorsement of American Express. There were "teething' problems with their website at first but most have been resolved by now.

  • AAA Daily Advantage and AAA Travel Advantage should be added to this list. Arguably they could be the 'best' Comenity cards available currently. There are some good reddit reviews on them.

  • One card that may not be on this list is: I recently got a targeted offer, mailer, for Bread Cashback™ Credit Card on the American Express® network from Comenity Bank. It offers a good $200 cash back on $1000 spend and 2% cash back on everything.

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