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.

Founded in

United States