Benefits

Rewards: How It Works

Shop for all your everyday favorites and essentials with the Comenity® Mastercard® Credit Card. You'll earn unlimited 1.5% cash back everywhere Mastercard® is accepted, making it your go-to card.

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Every purchase with your Comenity® Mastercard® Credit Card helps you earn cash-back rewards. You can redeem rewards as a statement credit applied to your account balance.

  • $100 cash back when you spend $500 or more within 90 days of opening your Comenity® Mastercard® Credit Card. Paid as a statement credit.1
  • Unlimited 3% cash back on restaurant purchases through 12/31/2021. Paid as a statement credit.2
  • Unlimited 1.5% cash back on everything else, everywhere Mastercard® is accepted. Paid as a statement credit.2
  • No annual fee3

Benefits — Just for Using Mastercard®

Emergency Card Replacement (ECR)4
Cardholders receive a temporary replacement card by the next day in the United States and within two business days almost everywhere else.
Emergency Cash Advance (ECA)4
If a card is lost or stolen, the cardholder can receive cash — generally within 15 minutes in the United States and within one hour almost everywhere else.
Zero Liability4
Mastercard cardholders pay only for the purchases they have authorized on their US-issued Mastercard card and won't be held liable in the event of unauthorized purchases. The coverage extends to purchases made in a store, over the telephone, or online. Certain terms, conditions and exclusions apply. Please review the Mastercard® Zero Liability Protection page for more details.
Identity Theft Resolution Services4
Assists cardholders who believe they are the victims of identity theft. Services include providing a uniform Identity Theft Affidavit and assistance with its completion, notification of all three major credit reporting agencies, assistance with credit and charge card replacement, cardholder education, an Identity Theft Resolution Kit, and sample letters for use in canceling checks, ATM cards, and other accounts. Certain terms and conditions apply. Review your Guide to Benefits for details.

Frequently Asked Questions

 
1 Valid 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. This rewards program is provided by Comenity Bank and its terms may change at any time. For full Rewards Terms and Conditions, please visit
Rewards Terms and Conditions
. Once earned, the offer will be automatically fulfilled as a $100 statement credit within 2 billing cycles.
 

23% cash back for every $1 spent on restaurant purchases when you use your Comenity® Mastercard® Credit Card. Offer is exclusive to Comenity® Mastercard® Credit Card holders enrolled in the Comenity Rewards program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant's area of business. Comenity Bank does not have the ability to control assignment of merchant codes. Purchases do not include returns, refunds or credit adjustments, balance transfers, cash advances, interest charges, and fees of any kind. This rewards program is provided by Comenity Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see comenity.net/comenitycard/termsandconditions. Restaurant purchases include restaurants, bakeries, fast food restaurants, drinking places and caterers. Once earned, you must redeem for statement credit at www.comenity.net/comenitycard.

 

3 For new accounts, as of 5/2021: Variable Purchase APR of 17.99 or 24.99% based on the Prime Rate. Balance Transfer APR of 26.99%. Variable Cash Advance APR of 25.99%, based on the Prime Rate. Minimum Interest Charge is $2 per Credit Plan. Balance Transfer Fee of the greater of $10 or 5% of the transfer. Cash Advance Fee of the greater of $10 or 5% of the advance. Foreign Transaction Fee of 3% of the transaction in US dollars. Late or Returned Payment fee of up to $40.

 

4 Mastercard® 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.

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Comenity® and Apple Pay
Pay with your Phone. From your Wallet.

You can add your Comenity® Mastercard® Credit Card to Apple Pay. Pay quickly and securely at stores, restaurants, hotels and anywhere Apple Pay is accepted.

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