Comenity BankJared Preferred Credit CardRegistry illustration · issuer artwork unavailable

Jared Preferred Credit CardComenity Bank · NM bank, DE · FDIC 27499

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

35.99%

p.1fixed

Balance transfer

—

Cash advance APR

—

Annual fee

—

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	35.99%Comenity Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“35.99%”Comenity Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	up to $41Comenity Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $41.00”Comenity Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Returned payment	—	no source read

Jared Preferred Credit Card - Current Credit Card Agreementspage 1 of 15

Rate and Fee Summary

This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Jared Preferred Credit Card Account . Read it and keep it.

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 35.99% Penalty APR and When i t Applies · Up to 39.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account i f you make a late payment. We may also consider your creditworthiness in determining whether to apply the Penalty APR to your account. How Long Will the Penalty APR Apply? : I f your APRs are increased, the Penalty APR may apply indefinitely. How to Avoid Paying Interest · Your due date is at least 21 days after the close of each billing period. We will not charge you interest on purchases i f you pay your entire balance by the due date each month. I f you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row. Minimum Interest Charge · I f you are charged interest, the charge will be no less than $3.00. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://ww w.consumerfinance.gov/learnmore . Fees

Set-up and Maintenance Fees

A n n u a l F e e

None

Up to $35.88 annually ($2.99 each month in which your balance is greater than $3.50 and a paper billing statement is mailed to you; you can avoid this fee each

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15Pages 1 and 2 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Comenity Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“35.99%”
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Comenity Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Up to $41.00”
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Comenity Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“I f you are charged interest, the charge will be no less than $3.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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History

dates on sources or when they were captured

Aug 23, 2026: Late payment fee, Purchase APR

Offered through: Comenity Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 27499
Branches: 1 in DE
Sources: Official issuer · 1 document · 2 pages cited

Documents

Jared Preferred Credit Card - Current Credit Card Agreementseffective date not parsed

Jared Preferred Credit CardComenity Bank · NM bank, DE · FDIC 27499

Rates and fees