Forever 21 Store, Visa Credit Card by Comenity Bank Review

Forever 21 store card and Visa credit card-related information are available in this article. Please check the latest and updated details about the fee and charges, benefits, and drawbacks of the Forever 21 credit cards.

Forever 21 Credit Card

Forever 21 offers credit cards to its customers so that customers can enjoy a faster and more convenient shopping experience. Comenity Capital Bank is the official partner of Forever 21 which issues two credit cards.

  1. Forever 21 store credit card – Can be used at Forever 21 stores only.
  2. Forever 21 visa credit card – Can be used anywhere a visa is accepted.

Both credit cards come with some exciting benefits and drawbacks. Forever 21 also offers a reward program under which customers will be eligible to earn rewards and later redeem them to save some money.

Forever 21 credit card benefits:

Some of the important benefits are mentioned below.

Introductory offer: If a customer applies for the credit card and is approved, Forever 21 will give a 20% discount on the first purchase if the purchase is made on the same day of account opening.


  • Reward points earning opportunity.
  • Introductory offer.
  • Welcome kit offer of 15% off on a future purchase once a customer receives a new card.
  • Special Birthday discount of $10 on a minimum spend of $25 at Forever 21.
  • 21% discount on Forever 21’s birthday month of April and cardholder’s anniversary month.
  • Cardholders will also be eligible for free standard shipping in the United States.
  • Exclusive offers for cardholders only.
  • Easy account management 24/7 through the Comenity website.

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Fee & charges:

Fee typeForever 21 store cardForever 21 visa
APR for Purchases29.99%27.24%
Penalty APRNoneNone
APR for Cash AdvancesN/A29.24%
APR for Balance TransferN/A26.99%
Minimum Interest Charge$2$2
Annual FeeNoneNone
Balance transfer feeN/AEither $10 or 5% of the amount of each transfer, whichever is greater.
Cash Advance feeN/AEither $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction FeeN/A3% of each transaction in U.S. dollars.
Late Payment penaltyUp to $41Up to $41
Returned Payment PenaltyUp to $41Up to $41
Over the limitNoneNone


  • APR is on the higher side.
  • Foreign transaction fees can be avoided

Forever Rewarded Loyalty program

All credit card holders will be eligible to earn reward points on purchases made through their Forever 21 credit card.

  • Forever 21 credit card customers will earn 3 points on every $1 spent on net eligible purchases at the Forever retail store or on the online website.
  • Forever 21 visa cardholders will also earn 2 points for every $1 spent on Net Eligible Purchases made at qualifying restaurants
  • Visa cardholders will earn 1 point on all other types of $1 Net eligible purchases.
  • For every 300 points, customers will receive a $5 reward certificate which is equal to a 5% savings if all amount is spent at Forever 21 only.
  • Special Offers – Cardholders will also get special offers from time to time to earn bonus rewards points.

Note: All points will have a validity of 24 months after that they will expire. All issued rewards certificates will have a validity of 60 days after the issue date.

Reward points redemption:

Once the rewards points balance becomes 300 or more, a %5 reward certificate is issued for every 300 points. Customers can redeem their rewards certificates on any qualifying purchase at Forever 21 store or on the online website through your Forever 21 account.

Please note that all information about the rewards certificates will be shared through the communication channels like emails and phones. Please update your contact information if they have changed. Forever 21 and Comenity Capital Bank will not be responsible for any loss of rewards certificates.

For more information, customers may contact to customer service numbers mentioned below in this article.

Customer Service

All cardholders can take help from the dedicated customer service team through the below-mentioned contact details.

Forever 211-866-512-6286
Forever 21 visa1-866-412-5563

Mail address:

Please ask your questions by writing to the below address. Please include your full name and account number in the Mail.

Comenity Capital Bank,
PO Box 183003,
Columbus, OH 43218-3003

Important links:

Official website
Credit card page on Forever 21 website
Forever 21 credit account management page
Forever 21 visa credit account management page


Name of the cardForever 21 credit card
Forever 21 visa credit card
Card issuerComenity Capital Bank
Credit card network providerVisa
Who can applyAll Forever 21 customers
Required credit scoreFair to good

Frequently asked questions

How can I close my account?

Forever 21 customers can close their credit card account anytime if don,t need the card anymore or are not happy with the service. Just send an account closure request by sending a Mail or by calling to customer service number written on the back of your credit card.

Please note that the account closure request will only be accepted if there is no remaining due balance on your credit card. Please check your account and ensure that you have paid all due balances, interest, penalties, etc.

Is my information shared with credit reporting agencies?

Comenity Bank will share all Forever 21 cardholders’ employment as well as financial information with credit bureaus. This information may include your financial status, payment history, any default status, etc.

It is a good idea to pay your monthly payment on time to keep your account in good standing as this information will impact your credit score.

What to do in case of any unauthorized transaction?

In case of any type of unauthorized transaction, inform the customer service number immediately and inform them if any unauthorized activity happened. You may also block your credit card by visiting your Comenity account center.

Please note that customers will not be responsible for any unauthorized transactions on their Forever 21 credit cards.

What if I lost my Forever 21 credit card?

If a customer lost the credit card or it has been stolen then please contact customer service immediately and inform them about card loss. Customers will receive a replacement card as soon as possible. Customers can also request expedited delivery of the replacement card by paying the required fee.

Does Forever 21 offer any promotional financing offer to credit cardholders?

Currently, there is no special financing offer available for Forever 21 credit card customers. All customers can opt for a regular monthly payment plan if available which will incur interest also.

Forever 21

FOREVER 21 is a fashion retailer that sells fashion-related products under its brands through retail stores and online websites. Forever 21 does not manufacture its products on its own instead it purchases its branded products from different vendors.

Forever 21 is the industry leader if we talk about the latest trending fashion products for different inspiring and unique styles. Forever 21 is present in 540 locations worldwide and also ships its products to many countries. With a best in class innovation and fashion expertise, Forever 21 has positioned itself as a leading fashion brand in the United States.


Forever 21 credit card is a good option if you are a regular shopper at Forever 21. It offers a decent reward point-earning opportunity through its rewards program. Customers can also use the credit card anywhere if approved for a Visa credit card.

If you are someone who is a regular Forever 21 customer and also looking for a credit card that can be used outside Forever 21 then you may go for this credit card to save 5% on every purchase at Forever 21.

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