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Banking RegistryReal data. Clear answers.
Banking RegistryReal data. Clear answers.

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Comenity Bank

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
35.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
APR for balance transfersNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
APR for cash advances35.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases25 days from the close of each billing cycle—
Minimum interest charge$3—
How we calculate your balanceOther—
Annual fee$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Transaction fees
Cash advanceEither $10.00 or 3.0% of the amount of each cash advance, whichever is greater.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Balance transferEither $10 or 5% of the amount of each transfer, whichever is greater.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Foreign transaction3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Penalty fees
First late fee$30Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Repeat late fee within six billing cycles$41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Returned payment—
Other fees
Returned Payment Fee$30, If you make a payment that is not honored, we charge a Returned Payment Fee even if the payment is honored on resubmission. The fee is $30.00 if you were not charged a Returned Payment Fee in the same or the prior six billing periods. Otherwise, it is $41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Alternative Payment Method Fee$15, We may allow you to make an expedited payment over the phone. If you do, we may charge a fee. Currently, that fee is up to $15. We’ll let you know the current fee before you authorize any payment and you can withdraw your request if you don’t want to payConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Paper Statement Fee$2.99, 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 month you are enrolled in paperless statements on the last day of a billing period)Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Penalty APR$39.99, Penalty APR and when it applies: This APR will vary with the market based on the prime rate. This APR may be applied to your account if you make a late payment. We may also consider your creditworthiness in determining whether to apply the Penalty APR toConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website