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 No annual fee. The ongoing APR is Variable, typically around 20.99% - 29.99% after a No introductory APR introductory rate for 12 months. Approval typically requires a credit score of 650-700 or higher. Rewards: 3X points per $1 at gas stations, grocery stores (excluding wholesale clubs), dining (excluding food delivery) and utilities; 1X points per $1 on all other purchases; 25% bonus points each billing cycle with 20 or more separate purchases. Cash back: 2% unlimited cash back on purchases. This product reports activity to your personal credit report. [SOFT PULL ONLY] | Pre-qualification available (soft pull). BT Fee: Greater of $10 or 5% of amount transferred. | EXPERT REFERENCE (Apr 2025): Bread Rewards American Express Credit Card offers 3X points on gas, groceries, dining, and utilities, plus 1X points on other purchases. | EXPERT REFERENCE (Apr 2025): No annual fee and no foreign transaction fees. | EXPERT REFERENCE (Apr 2025): Includes American Express Offers, purchase protection, and ID theft insurance. | EXPERT REFERENCE (Apr 2025): Victoria's Secret card approved with Experian score of 600, limit $250.