Posted by William Charles on October 8, 2016
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Published on October 8th, 2016 | by William Charles


Comenity Forever21 Credit Card Review

Comenity Bank (known for the shopping cart trick) have just launched a new co-branded credit card with Forever21. Let’s see if the card is worth signing up for in this review.

The Basics

  • $10 discount for making your first purchase outside Forever 21 within 90 days of account opening
  • Card earns at the following rates:
  • Points are automatically redeemed for a $5 rewards certificate for every 300 points earned
  • Double point events throughout the year
  • Exclusive cardholder only promotions
  • 15% off your first purchase
  • 21% off on Forever 21’s birthday
  • $5 Birthday Discount on accessories


Our Verdict

Each point is basically worth 1.67¢ towards Forever 21 purchases. Obviously this isn’t nearly as good as cash (especially when you can purchase Forever21 gift cards at a deep discount). There are much better options out there for your restaurant and every day spend, getting 5% back on your Forever 21 purchases isn’t bad – but how much do you really spend at that one store? You’re probably much better off going with a card that earns you a higher cash sign up bonus initially, even if it doesn’t earn much long term.

I’m not sure if the shopping cart trick works with this card or not, please share your experiences in the comments below.

Hat tip to reader @esthery of DEM Flyers

15 Responses to Comenity Forever21 Credit Card Review

  1. JASON says:

    Their e-gift cards can be purchased at 20% discount on gift card markets, according to giftcardwiki. works perfectly fine for me as I always get instant e-gift card number after purchase, currently offering discount rate of as much as 15% with purchasing price as low as $85 ($100 face value). So assuming the e-gift card is still available, I can be in the store and get my e-gift card number right there within a few mins.

  2. Kera says:

    Shopping cart trick worked for me but everyone is different.

  3. Aggie says:

    I didn’t do the shopping cart trick, that don’t seem to work for me in any store 😒 But when I applied for this card, I got approved with no hard pull done. I don’t know why, but like what Kera said, everyone is different. 😊👍🏻

    • Michael says:

      Express does the samething no hard pull was done when I did them and I did not get a hard pull through the whole regular application.

  4. Rose Mercado says:

    The Shopping Cart Trick worked for me at Victoria Secret but it’n not popping up for Forever 21, and I just saw that they have a stor card and a visa card, but I’m not sure which one to apply for.

  5. Lynn says:

    Hi, I have several credit cards with comenity bank, but I really want this forever21 card. Someone please tell me how to do the shopping card trick. Thanks

  6. danielle says:

    I didn’t do the shopping cart trick but I applied and I was approved instantly for the forever 21 visa credit card and $1000 credit limit! Very shocking but I’ve been working on my credit and it’s been going between 670 and 720, my question is can I pay bills with this card?

  7. Maritza says:

    How does the shopping cart work?

  8. Maritza says:

    I’m trying to rebuild my credit .. I’m thankful to have been approved for the Victoria secret and newyork& co with having items in card was approved .. shopping cart worked for me .. I’m wanting one card for store that would have clothing for men ..and I be straight any ideas? Or shall I wait ..

  9. Nicole says:

    You have to enter 0’s for first 5 numbers and last 4 of your social security number in order for it to be soft pull. Ex: 000001234

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