CFPB TCCP survey · December 31, 2025
Comenity Capital Bank credit card rates & fees
Comenity Capital Bank reported 24 credit card plans to the CFPB. Their median purchase APR is 9.99%, lower than the 23.49% median across all surveyed cards. The lowest starting APR is on the AAA Daily Advantage Visa Signature (17.74%). 23 of 24 plans have no annual fee.
Bank Comenity Capital Bank financial health scorecard 58 out of 100, Moderate
Plans
| Card | Purchase APR | By credit tier (great / good / poor) | Cash APR | Annual fee | Late fee | Foreign fee | Grace |
|---|---|---|---|---|---|---|---|
| AAA Daily Advantage Visa SignatureCashback rewards; Other rewards | 17.74% – 32.24% | 22.2% / 33.2% / – | 33.24% | $0 | $30 | 0.0% | 25 d |
| AAA Daily Advantage Visa SignatureCashback rewards; Other rewards | 17.74% – 32.24% | 22.2% / 33.2% / – | 33.24% | $0 | $30 | 0.0% | 25 d |
| AAA Travel Advantage Visa SignatureCashback rewards; Other rewards | 17.74% – 32.24% | 22.2% / 32.2% / – | 33.24% | $0 | $30 | 0.0% | 25 d |
| Crypto.com Visa SignatureOther rewards | 17.74% – 32.24% | 26.2% / 32.2% / – | 33.24% | $0 | $30 | 3.0% | 21 d |
| NFL Extra Points VisaOther rewards | 17.74% – 32.24% | 22.0% / 32.2% / – | 31.24% | $0 | $30 | 3.0% | 21 d |
| NFL Green Bay Packers Extra Points MastercardOther rewards | 17.74% – 32.24% | 20.0% / 32.2% / – | 31.24% | $0 | $30 | 3.0% | 21 d |
| Unity™ by Hard Rock MastercardOther rewards | 17.74% – 32.24% | 22.2% / 32.0% / – | 33.24% | $0 | $30 | 3.0% | 25 d |
| Bread Cashback American ExpressCashback rewards; Other rewards | 19.24% – 34.24% | 22.2% / 34.2% / – | 34.24% | $0 | $30 | 0.0% | 21 d |
| Lexus Pursuits VisaOther rewards | 19.74% – 34.24% | 20.2% / 34.2% / – | 34.24% | $0 | $30 | 0.0% | 21 d |
| Penn National Gaming mycash MastercardOther rewards | 19.74% – 34.24% | 20.2% / 29.2% / – | 34.74% | $0 | $30 | 3.0% | 25 d |
| Toyota Rewards VisaOther rewards | 19.74% – 34.24% | 22.2% / 34.2% / – | 34.24% | $0 | $30 | 3.0% | 21 d |
| Good Sam Coast to Coast VisaOther rewards | 21.49% – 34.99% | 27.5% / 35.0% / – | 34.99% | $0 | $30 | 3.0% | 21 d |
| Good Sam Rewards VisaOther rewards | 21.49% – 34.99% | 25.0% / 35.0% / – | 34.99% | $0 | $30 | 3.0% | 21 d |
| Good Sam Travel Visa Signature CardOther rewards | 21.49% – 34.99% | 28.0% / 35.0% / – | 34.99% | $249 | $30 | 3.0% | 21 d |
| IKEA VisaOther rewards | 21.99% | – / – / – | 23.99% | $0 | $30 | 0.0% | 25 d |
| Sephora VisaOther rewards | 23.34% – 32.75% | 23.8% / 32.8% / – | 33.25% | $0 | $30 | 3.0% | 25 d |
| Ulta Beauty Rewards MastercardOther rewards | 23.34% – 32.75% | 26.3% / 30.6% / – | 33.25% | $0 | $30 | 3.0% | 25 d |
| Lands' End VisaOther rewards | 28.49% – 34.99% | 29.0% / 35.0% / – | 35.99% | $0 | $30 | 3.0% | 21 d |
| Petco Pay MastercardOther rewards | 28.49% – 34.99% | 29.0% / 35.0% / – | 35.99% | $0 | $30 | 3.0% | 21 d |
| Interval World MastercardOther rewards | 29.49% – 34.24% | 30.0% / 34.2% / – | 34.24% | $0 | $30 | 0.0% | 25 d |
| Sportsman's Warehouse Explorewards VisaOther rewards | 29.49% – 34.24% | 30.0% / 34.2% / – | 34.24% | $0 | $30 | 3.0% | 25 d |
| Worldwide Vacation & Travel MastercardOther rewards | 29.49% – 34.24% | 30.0% / 34.2% / – | 34.24% | $0 | $30 | 0.0% | 25 d |
| Ross MastercardOther rewards | 30.74% – 31.24% | – / – / – | 32.24% | $0 | $30 | 3.0% | 25 d |
| Saks World Elite MastercardOther rewards | 31.74% – 32.24% | – / – / – | 33.24% | $0 | $30 | 0.0% | 25 d |
APRs are what the issuer reported for the survey period; your offer depends on your credit. Check the issuer's current terms before applying. "Credit tier" columns are the median APR the issuer reported for consumers with credit scores of 720+, 620–719 and 619 or below.