Comenity® Mastercard® Credit Card
- Annual fee
- None
- Recommended credit
- Good
- Card network
- Mastercard
- Regular purchase APR
- 23.24% or 29.99% variable based on creditworthiness and the Prime Rate
At a glance
The Comenity® Mastercard® Credit Card offers 1.5% cash back on all purchases, a $100 cash back introductory bonus, and more for no annual fee.
Our review of the Comenity® Mastercard® Credit Card
If you’re looking for a no-fuss cash back rewards card, the Comenity® Mastercard® Credit Card is a top choice. As one of the largest issuers of co-branded credit cards, Comenity offers a straightforward rewards program with statement credits and a generous cash back bonus.
Introductory Cash Back Bonus
New cardholders can earn a $100 cash back bonus by spending just $500 in the first 90 days of opening an account. This bonus is paid as a statement credit, making it easy to redeem and providing real value for users.
Earn 1.5% Cash Back on All Purchases
In addition to the introductory bonus, cardholders earn 1.5% cash back on all eligible purchases. There are no special categories or caps, making it simple to earn rewards on everyday spending. While redemption options are limited to statement credits, this streamlined process offers significant value for those looking to offset their balance.
Competitive APR on Purchases
The card comes with a competitive APR on purchases, starting around 18% based on creditworthiness and the Prime Rate. While not exceptional, this rate is on par with other basic cash back cards. Cash advances and balance transfers are available but come with higher APRs and fees, making them less ideal for most users.
Mastercard Benefits
As a Mastercard product, the Comenity® Mastercard® Credit Card offers additional benefits and protections, including Zero Liability Protection and ID Theft Protection. These features provide added security and peace of mind for cardholders.
Should You Apply for the Comenity® Mastercard® Credit Card?
Overall, the Comenity® Mastercard® Credit Card is a solid choice for those seeking a simple rewards program with no annual fee. While the redemption options are limited, the card’s competitive APR, introductory bonus, and Mastercard benefits make it a worthwhile option for many consumers. If you’re looking for a straightforward cash back card with reliable rewards, the Comenity® Mastercard® Credit Card is a top contender.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Earn 1.5% cash back on all purchases
- $100 cash back when you spend $500 or more within 90 days of opening your account
- Zero Fraud Liability
Who this card may suit
- You want a no-nonsense rewards credit card
- You prefer a basic rewards program with one redemption option
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 23.24% or 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 26.99% variable based on the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit.
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Comenity® Mastercard® Credit Card
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