Comenity Bank credit card terms
Store / retail-card issuer · 10 products surveyed · CFPB TCCP survey, Jul-Dec 2025
Comenity Bank reported a surveyed purchase APR of 17.74% – 35.99% (median 22.99%) to the CFPB Terms of Credit Card Plans survey, across 10 products. It is one of the 25 largest U.S. card issuers. Annual fees on surveyed cards: $149. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Comenity Bank surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 17.74% – 35.99% |
| Median purchase APR | 22.99% |
| Rate type | variable & fixed |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 35.99% |
| Annual fee | $149 |
| Late fee (median) | $30 |
| Secured card offered | Not reported |
| Products surveyed | 10 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Comenity Bank did not report that field in the survey.
Comenity Bank purchase APR by credit tier
Median purchase APR Comenity Bank reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | — |
| Good credit (620-719) | 33.99% |
| Great credit (720+) | 22.24% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Comenity Bank compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Comenity Bank's median of 22.99% sits above the 21% national average APR.
Similar issuers (store / retail-card issuer)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Comenity Bank (this issuer) | 17.74% – 35.99% | 22.99% | $149 |
| Synchrony Financial | 17.74% – 34.99% | 29.78% | $89 – $99 |
| Comenity Capital Bank | 17.74% – 34.99% | 9.99% | $249 |
Synchrony Financial · Comenity Capital Bank
Frequently asked questions
What is Comenity Bank's credit card APR?
Comenity Bank reported a purchase APR of 17.74% – 35.99% to the CFPB Terms of Credit Card Plans survey (median 22.99%), across 10 surveyed products. Rates are variable & fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Comenity Bank charge an annual fee?
Comenity Bank's surveyed cards carry an annual fee of $149. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is Comenity Bank a good choice for a low APR?
Comenity Bank is one of the 25 largest issuers. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions. If a low APR is the priority, compare a local credit union.
Keep exploring
Sources & accuracy
Terms reported by Comenity Bank (Comenity Bank) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29