Other than the ability to earn cash back on all of your purchases and redeem them as statement credit, this card comes with a straightforward design. However, that doesn’t mean the card has nothing else to offer.
As most modern credit cards, the Comenity Mastercard comes with tap to pay technology, and it can also be added to your phone’s e-wallet so you can pay with Apple Pay.
This card comes with zero liability for unauthorized purchases as part of Mastercard’s coverage, and applies to any purchase whether it’s been done in person at a store, online or over the phone.
If your card is ever lost or stolen, you can have access to a replacement card by the next day across the U.S., and within two business days almost anywhere else, so that you always have access to your account when you need it. If you need access to funds earlier than that, you can take advantage of the emergency cash advance feature, generally 15 minutes within the U.S. and one hour almost everywhere else.
Featured Partner Offers
Welcome Bonus
Earn $200
Annual Fee
$0
Credit Score
Excellent, Good
Regular APR
18.74% - 28.74% (Variable)
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
Welcome Bonus
Cashback Match™
Annual Fee
$0
Credit Score
Excellent/Good
Regular APR
18.24% - 28.24% Variable APR
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Welcome Bonus
Up to $300 cash back
Annual Fee
$0
Credit Score
Excellent, Good
Regular APR
20.49% - 29.24% Variable
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Earning and Redeeming Rewards
Every time you use your card to make purchases, you will earn an unlimited 1.5% cash back. Your cash back will be applied as a statement credit, and while that doesn’t give you the flexibility to choose what you want to spend your rewards on, it also frees you from trying to find best uses for the rewards you earn.
When redeeming your cash back, make sure to continue making your minimum required payments, it may take up to six business days to post.
From time to time, Comenity may offer bonus cash back for special offers allowing you to earn additional rewards. Terms apply, so make sure to read them as they may contain conditions or limitations like blackout periods, earning caps or any sort of exclusions, as well as other requirements like previous registration to qualify for the special offers.
Rewards Potential
To arrive at this number, Forbes Advisor uses data from various government agencies in order to determine both baseline income and spending averages across various categories. The 70th percentile of wage-earning households brings in $118,438 annually and has $78,893 in standard expenses. Assuming 50% of such expenses are charged to this card, total annual card spending would be $39,545.
The total cash back earned by our sample household would be about $593.18, plus the welcome bonus. Because everyone’s spending patterns differ, we suggest you look at your shopping habits and compare the rewards earned for any card you are considering.