Comenity Bank

Comenity Bank is one of the largest credit card issuers in the United States, with over 50 million card members as of 2019, though many of these are through its retail store card division.

Comenity offers a wide selection of retail credit cards for some of the largest names in the retail sector. Comenity also offers two co-branded hotel rewards credit cards in the Caesars Rewards Visa and the Westgate Rewards Mastercard. Both of these cards make it easy for cardholders to earn points towards great rewards while paying no annual fee.

What Credit Score Do I Need for a Comenity Hotel Card? 

Comenity credit cards typically do not have the same stringent requirements found with other issuers, such as Chase or Barclays. Typically, Comenity Bank cards require a good credit score in the mid 600s, although it isn’t unheard of for someone with a fair credit score to be approved for a co-branded card offered by them.

What to Know Before Applying for a Comenity Credit Card 

Comenity Bank does not seem to have many of the unwritten rules that are typically associated with credit card applications. There does not seem to be any hard or fast rules concerning the number of hard inquiries an applicant can have on their account when applying for a Comenity hotel card. This lack of firm rules is great news for those who may not have the best credit history but still want to apply for a hotel rewards credit card.

What to Do if Your Application is Denied  

While Comenity usually has higher approval odds than other issuers, not every application is guaranteed success. If your Comenity credit card application is denied, the best course of action is to call Comenity’s Reconsideration Line, will put you in touch with an account representative right away.

•  Comenity Reconsideration Line: 800-303-1368

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