What is Comenity Bank
Comenity Bank is an issuer of co-branded credit cards for retailers like BJ’s, Express, J.Crew, Ulta and Wayfair. The bank’s cards generally have no annual fees, low credit limits and lax approval requirements, making them a popular choice for people with fair to average credit.
Comenity has been helping people get more for their money since they introduced their first credit card in 1986. Today, Comenity Bank and Comenity Capital Bank partner with some of the world’s most recognized merchants, providing more than 145 branded credit programs, including private label, co-brand and commercial credit cards.
Benefits of Comenity Bank Credit Cards
In most cases, you’ll be better off opening a general rewards credit card than a Comenity co-branded store card. However, Comenity cards can be a good option if you’re trying to build credit. For shoppers loyal to one store, a co-branded or private-label store card issued by Comenity can help earn extra rewards.
Rebuild Your Credit
One of the top reasons to open a Comenity card is to help rebuild your credit. If you have a poor credit history and are unable to get approved by a traditional issuer like Chase or American Express, you may be able to get approved for a Comenity card. Comenity has traditionally had less stringent credit requirements for their store co-branded cards, since the credit limits are lower and most can only be used to buy products from a single brand.
Once you’re approved for a Comenity credit card and start paying your monthly bill, Comenity will generate a report for your account and send it to the three credit bureaus: Equifax, Experian and TransUnion. This will help you build your credit over time, as long as you pay your bills on time and keep your credit utilization below 30%.
Sephora Credit Card FAQs
How do I apply for the Sephora Credit Card?
You can visit your nearest Sephora store to apply. You can also apply on your mobile device with the Sephora App or Online at Sephora.
What is the difference between the Sephora Credit Card and the Sephora Visa Credit Cards?
The Sephora Credit Card can be used to make purchases at Sephora stores and at Sephora only. Once approved, you will earn 4% back in rewards on every $1 spent at Sephora U.S. stores (excluding Puerto Rico, Canada, and Sephora inside JCPenney retail stores) or at Sephora.
The Sephora Visa Credit Card can be used to make purchases anywhere Visa is accepted. Once approved, you will earn 4% back on every $1 spent in Sephora U.S. stores excluding Puerto Rico, Canada, and Sephora inside JCPenney retail stores) or at Sephora, AND 1% back in rewards on spend everywhere else Visa is accepted.
The Sephora Visa Signature Credit Card is the same as the Sephora Visa Credit Card but with added Visa Signature benefits, such as Visa Concierge, Roadside Dispatch, and Visa Signature travel.
Who can apply for the Sephora Credit Card Program?
Applicants must be at the age of majority (18-21) in your state or territory. Have a valid government-issued photo ID. Have a valid government isused tax identification number such as a SSN or SIN. Have a valid street or mailing address. PO Box mailing addresses will not be accepted.
You can learn more at Sephora