west elm Credit Account Application

Step 1: Application

Credit Card

Cardmember Benefits:

  • 10% back in Reward Dollars* and $25 in rewards for every $250 spent
  • 12 months special financing** if you spend $750 or more in a single transaction
  • $50 welcome bonus reward
  • $25 birthday bonus reward
  • Double and bonus reward offers
  • Use your card at west elm stores, catalog and website

*,**,See All Benefits

View Rewards Terms & Conditions

Your Personal Information


-Select One-

Why do you need my Social Security number?

We use this information to verify your identity and obtain credit bureau information.

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Why do you need my income?

In order to comply with federal law, and to determine factors such as your credit limit, we consider your ability to meet the payment obligations associated with this account. Your income information is part of that consideration.

If you do not wish to have alimony, child support and/or separate maintenance income considered as a basis for repaying this obligation, please do not include it in your Annual Income amount. Married WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial information.

Contact Information

To open an account, you must have a street, rural route, or APO/ FPO mailing address, and at least one mobile or alternate phone number. PO Box mailing addresses are not accepted.
-Select One-

By providing your contact information, including any mobile or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, as well as calls made via automatic telephone dialing systems or via email.

Add Authorized Buyer

Authorized buyers are allowed to purchase on your Account; however, as the primary account holder, you are responsible for payments on all purchases.

You may add one authorized buyer to your account at this time. Once your account is open, you may add up to four total authorized buyers.

Add an Authorized Buyer to your account?

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The west elm credit card account

Cardmember Benefits:

  • Earn 10% back in Reward Dollars.* Earn $25 Reward Dollars for every $250 spent on your west elm card.
  • 12 months special financing** if you spend $750 or more in a single transaction on your west elm card.
  • Special welcome offer of $50 bonus Reward Dollars.
  • $25 bonus Reward Dollars on your Birthday.
  • Earn rewards faster with double and bonus reward opportunities.
  • Use your card at any west elm store, in the catalog, and on the website.

*The Reward Dollars Program is provided by west elm, which is solely responsible for the Program operation. west elm may change the terms and conditions of this Program at any time. Transactions greater than $750 may choose between earning rewards or promotional financing.

**Promotional financing available with west elm credit card accounts offered by Comenity Bank which determines qualifications for credit and promotional eligibility. $750 minimum purchase and minimum monthly payments are required. Subject to credit approval.

Must have made a purchase within the last 24 months and be in good standing to receive the Birthday Reward.

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Reward Terms and Conditions

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Important Information About Your Credit Report.

What is a credit report?  A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.

How did we use your credit report?  We used information from your credit report to set the terms of the credit we are offering you, such as the Annual Percentage Rate. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.

What if there are mistakes in your credit report?  You have a right to dispute any inaccurate information in your credit report. 

If you find mistakes on your credit report, contact the consumer reporting agency listed below, which is the agency from which we obtained your credit report. It is a good idea to check your credit report regularly to make sure the information it contains is accurate.

How can you obtain a copy of your credit report?  Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact:

How can you get more information about credit reports? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board’s web site at www.federalreserve.gov or the Federal Trade Commission’s web site at www.ftc.gov.


What you should know about credit scores. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how your credit history changes.


Your credit score as of 05/28/2016: 0


 

We used your credit score to set the terms of credit we are offering you. In the scoring system we used, scores can range from 479 to the best possible score, 898. Please be aware, there are a number of different credit scoring systems available, and each uses a different range of numbers.


Here are the most significant factors in determining your score:

If you have questions about the factors impacting your credit score, we encourage you to contact the consumer reporting agency listed in this letter.

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Your Temporary Account

Credit Card
Name: Temporary Account Number: CVC/CW: Expires On: Temporary Credit Limit: $0

Know how to use your Temporary Card

You may use your temporary Card as if it were your actual credit card with the following restrictions. Once any of the limitations below is met, your temporary account number will no longer be valid for use:

  • You may use this temporary card for up to 3 hours
  • A single transaction cannot exceed $400.00
  • You may use the temporary account number for up to 2 transactions
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