USES

Houzz Mastercard® from Comenity Bank Review

Houzz Mastercard® from Comenity Bank — all information about the credit card.

Updated December 18, 2023
Advertiser Disclosure Our Methodology
Comenity Bank Houzz Mastercard®
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Our Rating:
4.28 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Back in Houzz Rewards every time you use your card to shop on Houzz.
    • 1% Back in Houzz Rewards every time you use your card outside of Houzz.
  • Intro Offer:
    • $50 In Houzz Reward Dollars after you open and use your card on Houzz.
    • $50 Additional $50 in Houzz Rewards when you spend $500 on your card outside Houzz in the first 90 days of account opening.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    33.24% Variable
  • Balance Transfer APR:
    26.99%
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Comenity Bank Houzz Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
Houzz purchases
$
1%
All other purchases
$
Have you already recieved the Comenity Bank intro bonus?
Calculate
Show less details

All benefits

  • Cash back
    • 5% In Houzz Rewards every time you use your card to shop on Houzz.
    • 1% In Houzz Rewards every time you use your card outside of Houzz.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 33.24% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 26.99%
  • APR for Cash Advances
    • 34.24% Variable
  • 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
  • Fees for Balance Transfer
    • Either $10 or 5% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
Cons:
  • No Intro APR period
  • High APR

Features

Classic
Mastercard
Contactless
  • No Annual Fee
  • No foreign transaction fees
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • 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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See Another Credit Cards in the Bank

Comenity Bank Houzz Mastercard® is an option for those, who need Classic features. With an APR of 33.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Comenity Bank Houzz Mastercard® you will get such features as No Annual Fee, No foreign transaction fees, Cashback, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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