Comenity direct

Comenity Bank is a financial services company offering credit cards, personal loans, "buy now, pay later" plans, high-yield savings accounts and certificates of deposit. The bank is a subsidiary of Bread Financial, and you will see the Comenity name on credit cards issued by the bank.The Comenity/Bread Financial portfolio of credit cards is massive, including more than 170 co-branded cards for retailers and sports teams. But unlike many general rewards credit cards, Comenity-issued co-branded cards tend to come saddled with caveats, including poor reward values, reward expiration dates, clunky or inflexible redemption options, and other roadblocks.Here are a few examples of Comenity/Bread credit cards, at a glance.For simple cash back: the Bread Cashback American Express Credit CardThe Bread Cashback American Express Credit Card earns 2% cash back on all purchases. The annual fee is $0, and there are no foreign transaction fees. Terms apply. You can redeem cash back as a statement credit or direct deposit into a checking or savings account. Redeem as little as 1 cent worth of rewards.The card lacks a sign-up bonus and 0% APR promotion, unlike some other 2% cash-back cards. But it includes a few American Express perks, such as 20% off of your bill or a free appetizer at participating restaurants. Terms apply.For the beauty buff: the Ulta credit cardComenity issues two Ulta credit cards, which allow you to earn rewards on top of what you’d earn as a member of the Ultamate Rewards loyalty program:The Ultamate Rewards Mastercard can be used wherever Mastercard is accepted. It earns 2 points per $1 spent at Ulta Beauty and 1 point for $3 spent anywhere else. Plus, as of this writing, get 500 bonus points when you spend $500 outside of Ulta Beauty in the first 90 days.The Ultamate Rewards credit card can only be used at Ulta Beauty. It earns 2 points per $1 spent there.As an Ultamate Rewards program member, the more you spend at Ulta in a year, the more points and perks you get. Note that unless you attain Platinum status with Ulta Rewards (which requires spending $500 per year with the retailer), your points will expire at the end of the quarter one year after you earned them.For the home decorator: the IKEA Visa® Credit Card The cost of filling your Kallax shelves with Lustigkurre baskets can add up fast, but the $0-annual-fee IKEA Visa® Credit Card earns:5% back in rewards on Ikea purchases, including Traemand kitchen installation and TaskRabbit assembly services.3% back in rewards on dining, grocery stores and utility purchases.1% back in rewards on all other purchases.As of this writing, new cardholders can earn $25 Ikea Reward Dollars after making $500 in purchases outside of Ikea and TaskRabbit

Within the first 90 days. Reward Dollars can be redeemed in $15 increments for Reward Certificates. Reward Dollars expire 36 months after you earn them, while Reward Certificates expire in just 90 days.For the pet parent: Petco Pay credit cardThe Petco Pay Credit Card, which earns 2 Vital Care points per $1 spent at Petco or on petco.com. The Petco Pay Mastercard Credit Card, which can be used outside of Petco. It earns 2 Vital Care points per $1 spent at Petco or on petco.com, 2 points per $3 spent at grocery stores, and 1 point per $3 spent everywhere else. As of this writing, you can also earn $25 worth of points if you spend $500 outside of Petco in the first 90 days.Both cards have $0 annual fees. When you accumulate 167 points, you’ll earn $5 in Vital Care Rewards, which you can redeem toward a Petco purchase. Rewards expire a year after you earn them.For the human parent: The Children’s Place credit cardThe My Place Rewards Credit Card is the co-branded card not just for The Children’s Place, but also for Gymboree, Sugar & Jade, and PJ Place. Together, those brands outfit kids from babies to tweens, in addition to selling pajamas for all ages. The card earns 2 points per $1 spent at any of these brands, and for every 100 you accrue, you'll snag a $5 reward certificate. Expressed another way, each time you spend $50 at Children’s Place or related brands, you get $5 in rewards.New cardholders also may be eligible for one-time discounts. Points expire a year after they’re earned.Examples of other Comenity/Bread-issued co-branded cardsIs a Comenity/Bread credit card right for you?Comenity issues so many co-branded cards that if you’re loyal to a store, you might be interested in one of the bank’s offerings. Typically, the more you shop at a particular store, the more appealing that store’s credit card can become.Just be aware that Comenity's co-branded products are susceptible to the same kinds of issues that typically plague store credit cards, including low credit limits and inflexibility — both in terms of where you can use the card and redeem the rewards you earn from it. Also, generally speaking, store credit cards tend to have higher-than-average annual percentage rates, making it that much more expensive to carry a balance. You may be better served by a cash-back card you can use anywhere, one that earns rewards you can redeem for a statement credit or direct deposit to a bank account.

Banesco Bank, Bank of America, Bank of Hope, Bank Purely, Bank5 Connect, Barclays, Bask Bank, BECU (Boeing Employees Credit Union), Bethpage Federal Credit Union, BMO, BMO Alto Bank, Bread Savings (formerly Comenity Direct), BrioDirect, Capital One Bank, CFG Bank, Charles Schwab, Charlie Financial, Chase Bank, Chime, CIBC USA, CIT Bank, Citibank, Citizens, Citizens Bank, Colorado Federal Savings Bank, Comerica Bank, Connexus Credit Union, Consumers Credit Union, Credit One Bank, Cross River Bank, Current, Customers Bank, Delta Community Credit Union, Discover Bank, East West Bank, Emigrant Direct, EverBank (formerly TIAA Bank), Federal Savings Bank, Fifth Third Bank, First Citizens Bank, First Internet Bank (of Indiana), First National Bank of America, First Tech Federal Credit Union, FNBO Direct, Frost Bank, Golden 1 Credit Union, Heritage Bank NA, HSBC, Huntington Bank, KeyBank, Lafayette Federal Credit Union, Lake Michigan Credit Union, LendingClub, Limelight Bank, Live Oak Bank, Lonestar Bank, M.Y. Safra Bank, M&T Bank, Marcus by Goldman Sachs, Mercury Bank, Merrick Bank, Michigan State University Federal Credit Union, Milli, Morgan Stanley Private Bank, Mountain America Credit Union, My eBanc, MySavingsDirect, National Bank of Kansas City, Navy Federal Credit Union, NBKC Bank, North American Savings Bank (NASB), Northpointe Bank, Patelco Credit Union, PenFed Credit Union (Pentagon Federal), PNC Bank, Popular Direct, Presidential Bank, Provident Bank, Quontic Bank, Quorum Federal Credit Union, Randolph-Brooks Federal Credit Union, Regions Bank, Ridgewood Savings Bank, Rising Bank, Salem Five Direct, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, Service Credit Union, SoFi Bank, South State Bank, Spectrum Credit Union, Spring Bank, Star One Credit Union, State Bank of Texas, State Department Federal Credit Union, State Employees’ Credit Union, Suncoast Credit Union, Sutton Bank, Synchrony Bank, Synovus Bank, TD Bank, Texas Capital Bank, Third Federal Savings & Loan, Transportation Alliance Bank (TAB Bank), Truist Bank, U.S. Bank, UFB Direct, Umpqua Bank, Upgrade, USAA Bank, USAlliance Financial, Valley National Bank, Varo Bank, Vio Bank, VyStar Credit Union, Webbank, Webster Bank, Wells Fargo, Western State Bank, Zions Bank, Zynlo Bank *Data accurate at time of publication**SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no

Co-Founder of SoloSuitGeorge Simons, JD/MBA George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat. Editor at SoloSuitHannah Locklear, BA Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years. Fact-checked by Patrick Austin, J.D. Attorney from George MasonPatrick Austin, JD Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal. Summary: If CBNA is showing up on your credit report, it could stand for Citibank North America, Credit Bureau of North America, Community Bank N.A, or Comenity Bank. Keep reading to learn why it's showing on your report, for how long, and how to remove it if you're a victim of identity theft. You may notice a new account listed under CBNA on your credit report if you've recently applied for a new credit card. In that case, you don't need to worry; it indicates that there's a hard inquiry into your credit history. However, suppose you haven't applied for a loan or credit card recently, and you notice a CBNA on your report. In that case, you need to investigate the entry to avoid future financial problems and a damaged credit report.Let's dig into what CBNA means, its impact on your credit report, and everything in between.Sued for debt? Settle your debt before going to court with the help of SoloSettle. What does CBNA stand for?In most cases, CBNA refers to Citibank North America, the fourth-largest credit card issuer in the country with over 138 million customers. However, CBNA on your credit report may also stand for Credit Bureau of North America, Community Bank N.A, or Comenity Bank. These establishments offer different services and have impacts on your credit report. Here's what each one of them means.Comenity Bank Comenity Bank is a credit provider that manages credit cards for large stores. If you recently applied for a store credit card that partners with the bank, you may notice