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Comenity Capital Bank

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Comenity bank is just over 25 years old, but provides a variety of options and credit programs when it comes to personal and business banking needs. Comenity Capital Bank credit cards are available in over two dozen retail cards. When you use one of those cards, you become a member of the Comenity family. Comenity Capital Bank credit cards offer a variety of options from a bank that says it’s devoted to and focused on communities.

While Comenity Bank may not be as old as others, Comenity Capital Bank credit cards offer options and benefits. Comenity Bank used to be called World Financial Network National Bank, and today serves over 33 million customers even though it’s a relatively new bank when compared with other major bank branches.

Types of Comenity Capital Bank Credit Cards

Comenity Capital Bank credit cards run the gamut of retail stores around the country. Some of the most popular Comenity Capital Bank credit cards include but are not limited to:

• Maurice’s credit card
• Victoria’s Secret credit card
• Pier 1 Imports credit card
• Lane Bryant credit card
• Crate and Barrel credit card

Of course, there are more, as Comenity Capital Bank credit cards are issued by the bank for over two dozen retailers and retail venues around the country. Benefits of these cards vary, depending on the retail store options.

Benefits

Comenity Capital Bank credit cards offer a variety of benefits to consumers, and depending on the type of card and retail store it’s associated with offers anything from low interest rates, cashback and rewards options to discounts, reward vouchers, and more. For example, the Crate and Barrel credit card offers $10 in rewards for every $200 spent. The Pier 1 Rewards card allows consumers to earn one point for every dollar spent and enjoy a $10 reward certificate for every 200 points accumulated. The Talbots credit card offers numerous benefits including 15% off birthday bonuses, double points, and $25 depreciation dividends when you reach 500 points, and 1.4 every dollar spent using your Talbots credit card. Perks, benefits and rewards for all the Comenity Capital Bank credit cards offer consumers more bang for their buck at retail stores around the country.

Annual Percentage Rates and Fees

Annual percentage rates and fees associated with Comenity Capital Bank credit cards differ. For example, annual percentage rates are typically higher with retail department store cards and credit limits may be lower than others, but for regular shoppers to a specific retail brand, these rates and fees are manageable. The Crate and Barrel credit card comes with a 26.99% APR while the Victoria’s Secret Angels cards (there are three) come with different rates and fees depending on the level and the balance available on the cards.

One disappointing aspect of the application process for Comenity Capital Bank credit cards is that many of them don’t provide upfront information regarding rates and fees before you decide whether to complete the application.

Annual Fees

A large number of Comenity Capital Bank credit cards don’t charge annual fees, a definite perk for consumers. When comparing Comenity Capital Bank cards, check interest rates, fees, and penalty fees before signing on the dotted line.

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