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Comenity Capital Bank Credit Cards

25 reviews

Comenity Capital Bank issues co-branded and store credit cards for a wide range of retail partners. Browse FinBedrock's research-based reviews of Comenity Capital Bank-issued cards below.

APR check: Average highest APR on Bread Financial (Comenity) cards — 33.79% (FinBedrock APR Index, October 2026). See how Bread Financial (Comenity) compares with other issuers →

Reviews

myAcademy Rewards Mastercard Review

★ 3.8/5    Annual fee: $0    Bonus: $30 off your first Academy purchase of $30+ (same day of account opening), plus a $50 reward after spending $500 outside Academy within 90 days
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Ross Credit Card Review (2026): Store Card vs Ross Mastercard

★ 3.2/5    Annual fee: $0    Bonus: 10% off your first purchase (one-time)
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Sally Beauty Rewards Credit Card Review

★ 3/5    Annual fee: $0    Bonus: $20 off a $50 purchase
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Ulta Beauty Rewards® Mastercard® Credit Card Review

★ 3/5    Annual fee: $0    Bonus: 20% off your first Ulta Beauty purchase made with the new card, plus 500 bonus Ultamate Rewards points (worth $17.50) after spending $500 outside Ulta Beauty within 90 days of account opening
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Boscov’s Credit Card Review

★ 2.9/5    Annual fee: $0    Bonus: 15% off your first purchase when you open and use the card, capped at $300 on non-Travel purchases and $100 on Travel purchases; the discount is fulfilled as a statement credit and cannot be combined with promotional financing offers
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fullbeauty Platinum Credit Card Review

★ 2.8/5    Annual fee: $0    Bonus: $10 off your first purchase of $25 or more, plus a $10 bonus reward emailed later, when you open and use the card
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Buckle Credit Card Review

★ 2.7/5    Annual fee: $0    Bonus: 10% off your first Buckle Credit Card purchase when you are approved (apply and be approved the same day). Limited-time: $25 off when you open and make your first Buckle Credit Card purchase the same day, October 12-25, 2026, minimum purchase of $25.
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Lane Bryant Credit Card Review

★ 2.7/5    Annual fee: $0    Bonus: $20 off your first purchase when you open and use your Lane Bryant Credit Card the same day (minimum $20.01 purchase)
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Michaels™ Credit Card Review

★ 2.7/5    Annual fee: $0    Bonus: 20% off your first purchase with your Michaels Credit Card
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Burlington Credit Card Review

★ 2.7/5    Annual fee: $0    Bonus: 10% off your first purchase when you open and use the card (same day for in-store approvals; within 2 days of approval via an emailed code for online applicants)
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Victoria’s Secret Credit Card Review: Store Card vs Mastercard (2026)

★ 2.7/5    Annual fee: $0    Bonus: $25 off your first Victoria's Secret or PINK purchase
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Talbots Credit Card Review

★ 2.6/5    Annual fee: $0    Bonus: Extra 20% off when you open and use a Talbots credit card
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Torrid Credit Card Review

★ 2.6/5    Annual fee: $0    Bonus: Extra 25% off your first purchase when you open and use your Torrid Credit Card
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LOFT Credit Card Review

★ 2.6/5    Annual fee: $0    Bonus: Extra 20% off your first qualifying purchase when you open and immediately use the card
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IKEA Projekt Credit Card Review

★ 2.6/5    Annual fee: $0    Bonus: None — no welcome bonus; the card's value is structured 0% deferred-interest financing instead
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Maurices Credit Card Review

★ 2.5/5    Annual fee: $0    Bonus: 15% off your first purchase, available only if the card is opened and used the same day; plus an ongoing extra 10% off every future purchase for cardholders
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GameStop Pro Credit Card Review

★ 2.5/5    Annual fee: $0    Bonus: A free year of GameStop Pro membership for new cardholders who sign up for the card and use it within 90 days of account opening
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Sephora Credit Card Review

★ 2.5/5    Annual fee: $0    Bonus: 25% off your first Sephora purchase
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Bealls Inc. Credit Card Review

★ 2.4/5    Annual fee: $0    Bonus: 10% off when you open and use the Bealls Inc. Credit Card the same day as account opening, in-store only
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Petco Pay Credit Card Review

★ 2/5    Annual fee: $0    Bonus: 20% off your first purchase, made the same day and at the same location (in-store or petco.com) the account is opened. Valid one time only; the entire transaction amount after the discount must be charged to the card; excludes gift cards, donations, and tips; applies to a maximum transaction of $1,000 or less. No separate spend requirement beyond making that purchase. A current promotion, subject to change.
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Raymour & Flanigan Credit Card Review

★ 1.7/5    Annual fee: $0   
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Midas Credit Card Review

★ 1.6/5    Annual fee: $0   
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Jared Preferred Credit Card Review

★ 1.5/5    Annual fee: $0   
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Zales Credit Card Review

★ 1.5/5    Annual fee: $0   
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KAY Jewelers Credit Card Review

★ 1.5/5    Annual fee: $0   
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Best-For Guides

Best Store Credit Cards of 2026: Which Are Actually Worth It?
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