USES

Cosmo Prof™ Rewards from Comenity Bank Review

Cosmo Prof™ Rewards from Comenity Bank — all information about the credit card.

Updated December 18, 2023
Advertiser Disclosure Our Methodology
Comenity Cosmo Prof™ Rewards
Apply now
Our Rating:
2.03 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Off every time you shop at Cosmo Prof ™ with your Cosmo Prof Rewards Credit Card.
  • Intro Offer:
    • $10 Off Welcome Gift on your next purchase with your Cosmo Prof™ Rewards Credit Card.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    32.24% Variable
  • Balance Transfer APR:
    None
Show more

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Comenity Bank Cosmo Prof™ Rewards Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3%
Cosmo Prof
$
Have you already recieved the Comenity Bank intro bonus?
Calculate
Your Results
Total yearly earnings
First year rewards
$56
Rest years rewards
$36
Annual fee
$0
Yes, Comenity Bank Cosmo Prof™ Rewards credit card is worth its annual fee!
How to maximize your Comenity Bank Cosmo Prof™ Rewards rewards?

Follow these simple steps to make the most of Comenity Bank Cosmo Prof™ Rewards credit card:

  • Spend more on Cosmo Prof
  • Pay off your balance in full each month.
  • Make a large purchases plan.

Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with Comenity Bank Cosmo Prof™ Rewards.

Your net profit in the first year
$56
cup of coffee x21
Your net profit in subsequent years
$36
cup of coffee x13
Show less details
You will receive $56 in the first year
Where you get the most profit
  • Cosmo Prof
  • Into bonus
Cosmo Prof
$36
Into bonus
$20
Total
$56
Annual fee
$0
Net yearly credit card profit
$56
You will receive $36 in the rest years
Where you get the most profit
  • Cosmo Prof
Cosmo Prof
$36
Total
$36
Annual fee
$0
Net yearly credit card profit
$36

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 32.24% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • None
  • APR for Cash Advances
    • None
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing period. You will not be charged interest on purchases if you pay your entire balance by the due date each month. If 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. You will be charged interest on balance transfers and cash advances on the transaction date.

Fees

  • Annual Fee
    • $0
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • Balance transfers and cash advances are not available
  • High APR

Features

Classic
  • No Annual Fee
  • Rewards
  • Good Credit
  • Excellent Credit

About the issuer

Comenity Bank
Comenity Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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