Comenity BankVENUS Credit CardRegistry illustration · issuer artwork unavailable

VENUS 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

30.24%

p.2variable

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	30.24% variableComenity Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“30.24% This APR will vary with the market based on the Prime Rate.”Comenity Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
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”Comenity Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Returned payment	—	no source read

VENUS Credit Card - Current Credit Card Agreementspage 2 of 19

Note: Your VENUS Credit Card account is issued by Comenity Bank. Review our Financial Privacy Policy and Online Privacy Policy for more information. California Residents: Submit a Data Request Form to make a Do Not Sell or Share My Personal Information request.

Rate and Fee Summary

This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for t h e Venus Credit Card Account . Read it and keep it.

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 30.24% This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest · Your due date is at least 25 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. 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 h ttp://www.consumerfinance.gov/learnm ore . Fees Annual Fee · None Penalty Fees • Late Payment • Returned Payment · Up to $41 Up to $41

How We Will Calculate Your Balance: We use a method called 'daily balance (including current transactions).' Review your Agreement for more details.

Billing Rights: I n f o r m a t i o n o n y o u r r i g h t s t o d i s p u t e t r a n s a c t i o n s a n d h o w t o e x e r c i s e t h o s e r i g h t s i s provided in your Agreement.

Wisconsin Residents: I f you are married, contact us upon receipt of this Agreement at the General phone number in the How to Contact Us section below and give us your spouse's name and address. Print Date: This Summary was printed October 2023. The information was accurate as of that date but may have changed. To find out more, contact us at the General mailing address or phone number in t h e H o w t o C o n t a c t U s s e c t i o n b e l o w.

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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 2
“30.24% This APR will vary with the market based on the Prime Rate.”
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Comenity Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Up to $41”
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Comenity Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“I f you are charged interest, the charge will be no less than $3.”
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 · 1 page cited

Documents

VENUS Credit Card - Current Credit Card Agreementseffective date not parsed

VENUS Credit CardComenity Bank · NM bank, DE · FDIC 27499

Rates and fees