How to Use Comenity Easy Pay (2024) (2024)

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How to Use Comenity Easy Pay (2024) (2)

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Comenity Easy Pay allows you to pay your store-brand credit cards without logging into your online account. This can save you time when paying your bill and makes it so you won't have to remember any passwords when it comes time to make a payment. We'll break it all down for you here…

How to Use Comenity Easy Pay (2024) (3)

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How to Use Comenity Easy Pay - What's in this guide?

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How it Works

Comenity Easy Pay supports 167 store branded credit cards such as Ulta Beauty, Express, Torrid, LOFT, GameStop, Carter's, and dozens more. Each brand has its own dedicated payment link where you can access the system. Here's how to use Easy pay:

Step 1: Find Your Card

To get started, you'll need to locate the unique Easy Pay link for your store branded card. You can locate the link for every store branded Comenity card here. Just type the name of the store you're looking for in the search box and it should come right up.

Step 2: Select Sign In

You'll be taken to a page which explains the benefits of your particular card. At the top of the page you'll see a 'Sign In' button. Click it.

Step 3: Go to Easy Pay

The page will change to a sign in module, but you'll see a bar at the top of the screen that enables you to switch to Easy Pay. Just click the 'Try it Now' button and the page you're looking for will open in a new tab.

Step 4: Enter Your Info

You'll be asked to enter your credit card number, Zip Code, and your ID number. From there you'll be able to easily apply a payment to your credit card bill.

Is it Safe?

Yes, Comenity takes safety very seriously. The company asserts that they use state-of-the-art encryption technology to protect your account and personal details such as your credit card number and Social Security Number. Your online account with Comenity is password protected and even though Easy Pay does not require you to enter a password, you do need to supply specific personal information in order to safely access your account. This can help ensure that only you have access to your credit card bill.

What is Bread Financial?

On April 25, 2022 Comenity rebranded to Bread Financial. Nothing changes in terms of how you pay your bill whether that be online through Comenity's Account Center or via Comenity Easy Pay. You can also still pay by phone or mail in a check to be applied toward your credit card payment.

Customer Service

You can contact Comenity (Bread Financial) customer service at 1-833-755-4354.

Final Thoughts

Comenity Easy Pay is a great feature if you're looking to make a quick payment to your store-branded credit card account. With 167 cards supported, you can easily find your card and apply a payment without having to memorize your password and without even going into your online account. If you're looking to pay your Comenity bill online, we definitely recommend using Easy Pay.

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How to Use Comenity Easy Pay (2024) (2024)

FAQs

How to Use Comenity Easy Pay (2024)? ›

To get a cash advance with your Comenity Bank credit card, use the card and the corresponding PIN at an ATM and withdraw the cash, up to the card's available cash advance limit. If you do not have a PIN, contact Comenity Bank's customer service at (855) 796-9632 (or the number on the back of your card) to request one.

How do I pay with Comenity? ›

You can pay your bill using the following methods:
  1. Online: Make a payment now. Not signed in? Sign in now.
  2. Mail: Pay by mail. Not signed in? Sign in now.
  3. Phone: Call Customer Care at 1-800-315-7260 (TDD/TTY: 1-800-695-1788).
  4. Comenity's EasyPay: Pay securely without setting up an account. Select here to pay.

How do I withdraw money from Comenity Bank? ›

To get a cash advance with your Comenity Bank credit card, use the card and the corresponding PIN at an ATM and withdraw the cash, up to the card's available cash advance limit. If you do not have a PIN, contact Comenity Bank's customer service at (855) 796-9632 (or the number on the back of your card) to request one.

What can I use my Comenity card for? ›

Which stores work with Comenity Bank?
  • Ikea.
  • Ann Taylor.
  • Victoria's Secret.
  • DSW.
  • BJ's.
  • Eddie Bauer.
  • Sony.
  • Forever 21.
Mar 4, 2023

Can I use my Comenity Mastercard anywhere? ›

Some credit cards from Comenity Bank are included in major card networks like Visa and Mastercard, which means they can be used almost anywhere. Other Comenity Bank cards are store cards only, meaning they can only be used in a specific store or a family of stores.

What is the EasyPay feature? ›

You can set up EasyPay with a bank account, credit card, or debit card. EasyPay debits your payment account on the same day based on the payment frequency set up on your account. When you enroll in EasyPay, your charges for regular services and FlexFi payments will be debited automatically from your payment account.

Is Comenity Bank owned by Capital One? ›

No, Comenity Bank is not owned by Capital One, it is a Bread Financial company that mostly issues store credit cards. Capital One, on the other hand, is one of the biggest banks in the U.S., offering a range of financial products and services, including credit cards, auto loans, and savings accounts.

How do I remove money from my credit card to my account? ›

Step 1: Go to your bank's official website or open the mobile banking app. Step 2: Log into your bank account using your login details. Step 3: After logging in, go to the credit card section to access your credit card account details. Step 4: In the credit card section, select the 'Funds Transfer' option.

How to get money from your credit card to your bank account? ›

How to transfer funds from a credit card to a bank account
  1. Sign into your online banking (app or desktop).
  2. Select Transfer.
  3. Choose the credit card for Pay From, and the bank account for Pay To.
  4. Enter the amount and confirm.
  5. Confirm you approve the cash advance.
  6. Wait a few minutes and check the bank account.
Dec 13, 2023

Where does Comenity Bank pull credit from? ›

Comenity Bank uses all three major credit card bureaus (TransUnion, Experian, Equifax) for credit card approval. So, if any of your credit reports are frozen, you should unfreeze them before submitting an application for one of Comenity's credit cards.

Is Comenity a credit card? ›

Comenity Bank is a financial services company offering credit cards, personal loans, "buy now, pay later" plans, high-yield savings accounts and certificates of deposit. The bank is a subsidiary of Bread Financial, and you will see the Comenity name on credit cards issued by the bank.

Is there a class action lawsuit against Comenity Bank? ›

The Comenity Bank TCPA Class Action Lawsuit is Carrie Couser v. Comenity Bank, Case No. 3:12-cv-02484-MMA-BGS, in the U.S. District Court for the Southern District of California.

What stores are connected to Comenity Bank? ›

Which stores partner with Comenity Bank?
  • Loft Credit Card.
  • Bed Bath & Beyond's Welcome Rewards store Credit Card.
  • Ikea Visa Credit Card.
  • Ulta's Ultamate Rewards Credit Card.
  • Victoria's Secret Mastercard Credit Card.
  • Big Lots Credit Card.
  • BJ's Perks Plus Mastercard Credit Card.
  • BJ's Perks Elite Mastercard Credit Card.
Nov 15, 2022

How do I redeem my Comenity cash back? ›

You can redeem Cash Back for Rewards through the Account Center at https://d.comenity.net/ac/advantage/public/home("Account Center"). Cash Back as a direct deposit may require you to call the number on the back of your card for redemption.

Does Comenity Bank issue Visa cards? ›

AAA Travel Advantage Visa Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc.

What does comenity pay mean? ›

' COMENITY: Name of the company or institution. PAY: Indicates that the transaction is a payment. CP: Possibly an abbreviation for a specific department or type of payment within the company. WEB: Indicates that the payment was made online.

What retailer uses Comenity Bank? ›

Considering that Comenity provides credit programs on behalf of so many retailers, you might already be a cardmember yourself. Some of these retailers include stores such as J. Crew, New York & Company, Bed Bath & Beyond, Ikea, Overstock, and many more.

How can I pay on my credit card? ›

Most credit card issuers let you pay your credit card bill by phone, through an online account or mobile app, or by mail. You may also be able to pay in person.

Does Comenity credit card have an app? ›

Unlike other banks, Comenity Bank does not have any physical locations for customers to visit. If you need to contact them, you can do so over the phone, on its website or via its mobile app.

How do I pay with a virtual credit card in store? ›

Via an App: Enter and save the virtual card details as a credit card when buying via an app. Physical Store: Key in the virtual card details in the card reader at a physical store.

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