Here’s a look at three of Comenity’s most popular rewards credit cards. If you rarely shop at a retailer, it doesn’t make sense to apply for the Comenity card connected to it - no matter how valuable that card’s rewards program might be.īut if Comenity does offer a card connected to one of your favorite stores, that card might make sense. Worldwide Vacation & Travel Mastercard Credit CardĬomenity offers plenty of retail cards, but how do you choose the right one for you? That depends mostly on your shopping habits.Here’s a few non-retail Comenity card offerings: You can find travel rewards credit cards, auto cards, medical cards and even an insurance credit card that allows you to earn rewards while paying for your coverage. BJ’s Perks Elite Mastercard Credit CardĬomenity Bank is mostly known for its retail credit cards, but it also provides cards affiliated with other types of businesses.Victoria’s Secret Mastercard Credit Card.Bed Bath & Beyond’s Welcome Rewards store Credit Card. Here are some of the better-known stores for which Comenity provides a retail credit card: With so many partnering stores, Comenity Bank offers a wide variety of retail credit cards, including online stores, clothing shops, furniture stores and more. If you aren’t a frequent shopper at a specific retailer, it probably doesn’t make sense to apply for a card from it. Retail cards are limited - usually offering perks only when you shop at a specific retailer - and often come with higher interest rates. Whether these retail cards are a good choice for you, though, depends on your spending habits. The bank offers branded cards from several retailers, many that let you earn ongoing rewards. Some credit card issuers specialize in retail credit cards, and Comenity Bank is one of the biggest. Instead, banks that partner with these retailers are the ones that provide and manage these types of cards. Otherwise, not so much.You probably thought of a card branded with the name of a big retailer such as Ikea, Big Lots or BJ’s, right? But retailers typically aren’t the ones issuing their cards, even if their names are on them. The Bottom Line: If you spend lots of money at Victoria’s Secret, the Victoria’s Secret credit card is probably a pretty good card to have. The Shopping Cart Trick Factor: Since this is a Comenity retail card, you should be able to take advantage of the shopping cart trick to get it without a hard pull. It looks like there are other triple point promotions as well, and the fine print on that one says, “Triple points offer cannot be combined with additional bonus reward point promotions.”Īnnual Gifts: Certain retail cards give you a bonus every year on your birthday. Does that get multiplied with the triple points bonus and bring the rewards to 24/36%? And does Victoria’s secret sell prepaid Visa gift cards? I don’t know, though I’m pretty sure the answer to the second question is “No.” AND you also get double points on all bra purchases. That works out to a rate of 4% or 6% in the highest tier.īut wait, there’s more: during your cardmember anniversary month, you get triple points! So that boosts this card to 12%/18%. For the Angel Forever card ($1,000 spent) you get $15 for every $250 spent. For both the Angel Card and the Angel VIP card (which you get by reaching $500 in spend), you get $10 for every $250 spent. Rewards: The Victoria’s Secret credit card offers different tiers based on your spending on it. $15 is less than the $500 rewards that major credit card issuers frequently offer for their products, so the pink credit card is not a winner on this count. Sign-up bonus: The Victoria’s Secret credit card gives you $15 off your next purchase. And by “a lot of readers” I mean “ Elaine in the comments last week.” So here you go, Elaine! Let’s take a look at the features, and please keep in mind that this is a store card valid only at Victoria’s Secret, not a Visa/MasterCard/Amex. Believe it or not, a lot of readers have asked me to write up the Victoria’s Secret credit card.
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