Comenity Store Credit Cards
How does a store credit card work?
Store credit cards work similarly to consumer credit cards. However, with a store credit card, your usage is limited to purchases within the store or the store website.
Are store credit cards easy to get?
Retail stores benefit from approving people who want their cards. Hence, retail store card issuers are generally more likely to approve people with lower credit scores compared to network-based credit cards like Visa, MasterCard, etc.
Can you use store credit cards anywhere?
Unlike co-branded credit card, you can't use Comenity store credit cards everywhere. They only work at the merchants they're connected with. The difference is that a co-branded credit card belongs to a card network.
What Can Store Cards Offer?
Store credit cards offer loyalty rewards and access to deals and other benefits. Perks tend to vary, but store cardholders could receive discounts, earn rewards, get exclusive offers, and leverage special financing.
Who is comenity bank?
Comenity is the company behind many branded credit cards. Many top stores and brands work with comenity banks to build credit programs for their customers. Comenity Bank and Comenity Capital Bank has partnered with more than 145 of the most respected retailers in the world and serves more than 50 million card members.
What does comenity mean?
Comenity sometime misspelled community actually means Comenity Bank, a Delaware state bank, formerly known as World Financial Network Bank.
Store credit cards offered by Comenity Bank are designed for frequent shoppers at targeted stores.
These Store credit cards are tied to store-specific rewards programs and provide extra benefits for using the card and rewards program perks for regular shoppers.
It is relatively easy to get approval on store credit cards issued by Comenity Bank even if your credit score is lower than average. Easy approval can be attractive if you’re working on building or repairing your credit.