The Comenity Capital Bank is a personal credit card from Comenity Capital Bank. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is 21.99% purchase APR (new accounts, as of September 2024). Approval typically requires a credit score of 650-700 or higher. Signup bonus: $25 off a first IKEA purchase of $25 or more when you open and use the card the same day; bonus $25 IKEA Rewards Dollars after $500 in qualifying purchases outside of IKEA and TaskRabbit within the first 90 days of opening an account. Rewards: 5% back in rewards on IKEA purchases (including IKEA installation services and TaskRabbit assembly services); 3% back on dining, grocery stores and utility purchases; 1% back on all other purchases; reward certificates earned in $15 increments. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Application rules: Citi enforces an 8/65/95 rule (max 1 card per 8 days, 2 cards per 65 days, no more than 1 business-card every 95 days). Sign-up bonuses on Citi cards are restricted to 48 months from your last bonus on that card family..