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If you’re looking for Comenity or Alliance Data, you’re in the right place. Let us reintroduce ourselves!
Highly competitive rates and access to your funds any time you need them.† Open an account in just minutes.
High-Yield Savings
Minimum opening balance
Insured
Explore More Cards
Get the brand exclusive offers and benefits you've been looking for. Open and use one of our credit cards today!
AAA Visa Signature® credit cards
$100 cash back paid as a statement credit.¹
NFL Extra Points Visa® Credit Card
$100 cash back. Paid as a statement credit.¹
Victoria’s Secret Mastercard® Credit Card
$25 off your first Victoria’s Secret purchase¹
Ultamate Rewards® Credit Card
20% off your first Ulta Beauty purchase.¹
Earn Cash Back rewards with every Comenity® Mastercard® Credit Card purchase.1
All Cash Back offers are paid as a statement credit.
1Offer is exclusive to Comenity® Mastercard® Credit Card holders enrolled in the Comenity Rewards program. This rewards program is provided by Comenity Bank and its terms may change at any time. For full Rewards Terms and Conditions, please review comenity.net/comenitycard/termsandconditions. Once earned, you must redeem for statement credit at www.comenity.net/comenitycard.
2Valid one time only. Offer is exclusive to Comenity® Mastercard® Credit Card holders enrolled in the Comenity Rewards program. Maximum of $100. Purchases do not include returns, refunds or credit adjustments, balance transfers, cash advances, interest charges, and fees of any kind. Once earned, the offer will be automatically fulfilled as a $100 statement credit within 2 billing cycles.
3Review important rate, fee, and other cost information.
4Mastercard® Card benefits are benefits associated with Mastercard®. Certain terms, conditions and exclusions apply. For Full Benefits Terms and Conditions, please reference your Guide to Benefits or call 1-800-Mastercard.
Credit card offers are subject to credit approval.
Comenity® Mastercard® Credit Card Accounts are issued by Comenity Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
1 Offer is exclusive to Bread Cashback American Express Credit Card holders enrolled in the Bread Cashback program. Cashback can be redeemed as statement credit or direct deposit. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. Please reference the Rewards Terms and Conditions for full program details.
2 Certain terms, conditions, and exclusions apply. For more details, visit American Express.
3 Review important rate, fee, and other cost information.
Credit card offers are subject to credit approval.
American Express is a registered trademark of American Express. This Card is issued by Comenity Capital Bank pursuant to a license from American Express.
*ANNUAL PERCENTAGE YIELD (APY): All Bread Savings APYs are accurate as of 3/21/2023. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings.
For high-yield savings accounts, a minimum of $100 is required and must be deposited in a single transaction. For high-yield savings accounts, the rate may change after the account is opened.
†Rates are compared against competitor rates published by Bankrate.com and the institutions themselves as of 3/17/2023. Bankrate.com obtains the data from the various banks that it tracks and its accuracy cannot be guaranteed.
1Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received in your cart or via email after you open your new account. Must have valid email address and U.S. mailing address. Sign in to your VictoriasSecret.com account to begin your application for the Victoria’s Secret Credit Card Program. Offer not redeemable for cash or credit. Offer not valid on previous purchases, gift cards and clearance items. Additional limitations may apply. Offer may be modified or discontinued at any time with or without notice.
Credit card offers are subject to credit approval.
Victoria's Secret Credit Card Accounts are issued by Comenity Bank.
Victoria's Secret Mastercard® Credit Card Accounts are issued by Comenity Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
Open and use an Ultamate Rewards® Mastercard® Credit Card or Ultamate Rewards® Credit Card to save 20% off on all products and services on your first Ulta Beauty purchase.1
Plus earn 2x points everyday. 2 points per $1 spent at Ulta Beauty with your Ultamate Rewards® credit card.2
1Valid one time only. Duplicated offers will not be accepted. Excludes gift cards and prior purchases. If approved online, you must be opted into Ulta Beauty emails to receive 20% off coupon.
2Mentioned earning based on Base member level. Offer is exclusive to Ultamate Rewards® or Ultamate Rewards® Mastercard® credit card holders enrolled in the Ultamate Rewards® program. This rewards program is provided by Ulta Beauty® and its terms may change at any time. For full Rewards Terms and Conditions, please visit ulta.com/rewards.
Credit card offers are subject to credit approval.
Ultamate Rewards® Credit Card Accounts are issued by Comenity Capital Bank.
Ultamate Rewards® Mastercard® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
$100 cash back when you open and spend $500 on purchases outside of the NFL in your first 90 days from open date. Paid as a statement credit.1
1Valid one time only. Offer is exclusive to NFL Extra Points Visa® Credit Card holders enrolled in the NFL Extra Points program. Maximum of $100 cash back. Offer excludes all NFL purchases including NFLShop.com, NFL stadium purchases and NFL tickets made at NFL Team Ticket Offices, Ticketmaster, StubHub and SeatGeek. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. For full Rewards Terms and Conditions, please visit comenity.net/nflvisa.
Credit card offers are subject to credit approval.
Your team branded Extra Points Visa Credit Card represents your team affiliation within the NFL Extra Points Visa Credit Card program. Any reference to your team affiliated Extra Points Visa Credit Card is equivalent to the NFL Extra Points Visa Credit Card.
NFL Extra Points Visa® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.
Special Financing for up to 36 months1 on purchases of $300 for 6 months, $750 for 12 months, $3000 for 18 months and $1500 for 36 months made with your Kay Jewelers Credit Card at Kay Jewelers.
1Minimum payments are required for each Credit Plan. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement and minimum interest charge.
Credit card offers are subject to credit approval.
Kay Jewelers Credit Card Accounts are issued by Comenity Bank.
1 Valid one time only. Offer is exclusive to AAA Daily Advantage Visa Signature Credit Card or AAA Travel Advantage Visa Signature credit card holders enrolled in the AAA Daily Advantage or AAA Travel Advantage program. Maximum of $100 statement credit per account. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see Daily: AAA.com/AdvantageDailyTerms or Travel: AAA.com/AdvantageTravelTerms.
Credit card offers are subject to credit approval.
AAA Daily Advantage and AAA Travel Advantage Visa Signature® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.
Can't find what you are looking for? Here are a few ways to get in touch.
By Secure Messaging
Cardholders, you can send a secure message on Account Center. Find your card to get started.
By Mail
Cardholders and Bread Savings Accountholders, send mail to the address associated with your account. Not sure which bank is yours? It will be listed on the back of your card or on your statement.
Comenity Bank
PO Box 183003
Columbus, OH 43218
Comenity Capital Bank
PO Box 182273
Columbus, OH 43218
Bread Savings
PO Box 182084
Columbus, OH 43218
By Phone
Whether you have an account with Comenity, Bread Savings, or Bread Payments, you can call us during business hours.
1-855-796-9632 (TDD/TTY: 1-888-819-1918)