The Comenity® Mastercard® Credit Card

Earn cash back rewards, paid as a statement credit, when you use the Comenity Mastercard



Your Card Benefits Add Up

Enjoy all the benefits of your Comenity Mastercard with no annual fee.¹
No Annual Fee
Enjoy all the benefits of your Comenity Mastercard with no annual fee.³

Touch-Free Checkout

Pay with your phone in-store and online with Apple Pay®, Google Pay™ or Samsung Pay. 

The Benefits Keep Coming

Emergency Card Replacement

Receive a temporary replacement card within two business days.⁴

Emergency Cash Advance

If your card is lost or stolen, receive cash within 1-2 hours.⁴

Zero Liability

Pay only for the purchases you authorize - you won't be held liable for unauthorized purchases.⁴

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Identity Theft Resolution

If you believe you are a victim of identity theft, receive help 24/7 with the process of restoring your identity.⁴

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Frequently Asked Questions

No, there is no annual fee associated with this card.

Review important rate, fee, and other cost information.

You can visit your Account Center to activate online today or dial the number on the back of your card. Please have your new card and information ready. You’ll also have the opportunity to activate cards for authorized buyers by adding the last four digits of the other cards on the account.

You can pay your Comenity Mastercard bill online 24 hours a day, 7 days a week in your Account Center. To avoid a late fee, your payment must be successfully submitted by 5:00 p.m. (ET) on or before your due date.

There is no maximum on everyday purchases. Use your card everywhere Mastercard is accepted and earn 1.5% cash back. Bonus cash back for special offers may have a maximum amount that can be earned as part of the promotion. Please reference the Rewards Terms and Conditions for full program details.

Cash back rewards do not expire. Rewards are subject to Rewards Terms and Conditions.

A statement credit is cash back credited to your account to reduce your statement balance. Statement credits will be made available on Account Center to redeem. Once redeemed, statement credit redemptions may take up to 3 business days to post to your account.