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 32.99% after a 0% introductory rate for 6 months. Rewards: Flexible payment plans, reuse capability, high credit limits (up to $25,000). Typical credit limit: Up to $25,000, based on credit quality. Loan terms: Revolving, reusable credit card; promotional financing plans offered on purchases of $250 or more; no prepayment penalties. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Pre-qualification available (soft pull). Post-intro APR: Applies for non-promotional balances (exact APR not prominently disclosed on landing pages)