Bread Cashback® American Express® Credit Card — 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 19.24% to 33.74% variable, based on creditworthiness (for new accounts, as of 09/26). Rewards: 2% unlimited cash back on purchases, no caps, opt-ins or categories.