Comenity

Comenity is the brand name for the credit card programs issued by its two bank subsidiaries, Comenity Bank and Comenity Capital Bank. These entities are part of the larger, publicly-traded company Bread Financial Holdings, Inc. (formerly Alliance Data). For over 30 years, Comenity has specialized in creating and managing credit and loyalty programs for more than 130 well-known brands across retail, health, wellness, and travel. Their primary business involves issuing private-label and co-branded credit cards that allow consumers to make purchases and earn rewards with specific retailers, while also offering direct-to-consumer products like high-yield savings accounts and cashback credit cards.