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Crypto.com Visa Signature

Comenity Capital Bank

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
17.74–32.24%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
3%
Grace period
21 days

Contract X-Ray — what's buried in the fine print

5 red flags · 100 filed docs

Detected in the CFPB-filed cardholder agreements from Comenity Capital Bank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

Forced arbitration

You give up your right to sue in court — disputes are pushed into private arbitration.

Show the exact wording ↓
“…r t a n t p r o v i s i o n s c a r e f u l l y. P a y s p e c i a l a t t e n t i o n t o P a r a g r a p h s : A : J u r y Tr i a l Wa i v e r ; C: Arbitration Provision; C.1: Right to Reject; C . 6 : C o u r t a n d J u r y Tr i a l s P r o h i b i t e d ; O t h e r L i m i t a t i o n s o n L e g a l R i g h t s ; a…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…o n f o r this Account or other evidence of indebtedness on your Account is your signature on this Agreement. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. Yo u c a n r e j e c t t h e A r b i t r a t i o n P r o v i s i o n . I f y o u d o n o t , i t w i l l b…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…f o r t h i s Account or other evidence of indebtedness on your Account is your signature on this Agreement. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. Yo u c a n r e j e c t t h e A r b i t r a t i o n P r o v i s i o n . I f y o u d o n o t , i t w i l l b…”
Academy Sports + Outdoors Credit Card - Current Credit Card Agreements ↗
Class-action waiver

You can't band together with other cardholders in a class action.

Show the exact wording ↓
“…ohibition Against If you or we elect to arbitrate a Claim: Certain Proceedings a. neither you nor we may participate in a class action in court or in class-wide arbitration, either as a plaintiff, ( C l a s s A c t i o n Wa i v e r ) defendant or class member; b. neither you nor we may act as a private attorney general i…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…not be joined or consolidated with Claims brought by or against any other person; and d. the arbitrator shall have no power or authority to conduct a class-wide arbitration, private attorney general arbitration or other representative arbitration. 8. Location and Any arbitration hearing that you attend must take place at…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…ohibition Against If you or we elect to arbitrate a Claim: Certain Proceedings a. neither you nor we may participate in a class action in court or in class-wide arbitration, either as a ( C l a s s A c t i o n Wa i v e r ) plaintiff, defendant or class member; b. neither you nor we may act as a private attorney general i…”
All Pet Credit Card - Current Credit Card Agreements ↗
Jury-trial waiver

You waive your right to have a dispute heard by a jury.

Show the exact wording ↓
“…a i v e a n y r i g h t t o t r i a l b y j u r y i n t h e e v e n t o f a l a w s u i t a r i s i n g o u t o f o r related to this Agreement. This jury trial waiver shall not affect the Arbitration Provision below (including the jury trial w a i v e r c o n t a i n e d t h e r e i n ) . Yo u a n d w e e a c h r…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…indebtedness on your Account is your signature on this Agreement. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. Yo u c a n r e j e c t t h e A r b i t r a t i o n P r o v i s i o n . I f y o u d o n o t , i t w i l l b e p a r t o f t h i s A g r e e m e n…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…n d w e w a i v e a n y r i g h t t o t r i a l b y j u r y i n t h e e v e n t o f a l a w s u i t arising out of or related to this Agreement. This jury trial waiver shall not affect the Arbitration Provision b e l o w ( i n c l u d i n g t h e j u r y t r i a l w a i v e r c o n t a i n e d t h e r e i n ) . Yo…”
All Pet Credit Card - Current Credit Card Agreements ↗
Deferred interest

“No interest if paid in full” — miss the deadline and you're billed interest back to day one.

Show the exact wording ↓
“…ated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 O r Wa i v e d I n t e r e s t , L o w P a y m e n t How to…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…er Credit Plans at end of billing period (excluding new interest charges for those plans) (minimum $5); plus (2) New interest charges for those plans Deferred Interest, Payment 3.5% of sum of plan balances at end of billing period rounded up R e q u i r e d o r Wa i v e d I n t e r e s t , to nearest $1 Payment Requ…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…A s o f t h e P r i n t D a t e , y o u r P u r c h a s e A P R i s 3 2 . 9 9 % , b a s e d o n t h e P r i m e R a t e . Current offers may include: Deferred Interest, Payment Required: No interest if paid in full within 6 or 12 months. Interest will be charged to the Account from the purchase date at the Purchase…”
Academy Sports + Outdoors Credit Card - Current Credit Card Agreements ↗
Penalty APR

Slip up and your rate can jump to a much higher penalty APR.

Show the exact wording ↓
“…for the All Pet Card Credit Card Account. Read it and keep it. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 32.99% Purchases Penalty APR and When it Applies Up to 39.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you make a la…”
All Pet Credit Card - Current Credit Card Agreements ↗
“…t) for the B&H Payboo Credit Card Account. Read it and keep it. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 35.99% Purchases Penalty APR and When it Applies Up to 39.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you make a la…”
B&H Payboo Credit Card - Current Credit Card Agreements ↗
“…it-card-agreement 1/21 5/8/25, 8:56 PM Ballard Designs Credit Card - Current Credit Card Agreements Annual Percentage Rate (APR) 35.99% for Purchases Penalty APR and When it Up to 39.99% Applies This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you make a la…”
Ballard Designs Credit Card - Current Credit Card Agreements ↗
Arbitration opt-out

The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.

Show the exact wording ↓
“…Wa i v e d I n t e r e s t , L o w P a y m e n t How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…v e d I n t e r e s t , L o w nearest $1 Payment How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043…”
AAA Visa Signature® credit card - Current Credit Card Agreements ↗
“…rge Budget Payment) Minimum Payment will increase How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, Bankruptcy No…”
Blue Nile Credit Card - Credit Card Agreement ↗

Checked & clear: Change-anytime clause

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
—
620–719
32.24%
720+
26.24%
Lowest offered17.74%
Median—
Highest offered32.24%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered32.74%
Median33.24%
Highest offered33.24%

Every fee on this card

Annual feeNone
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$3
Balance computationOther
Additional fees
Returned Payment Fee$30
Alternative Payment Method Fee$15

Rewards, benefits and features

Rewards
  • Other rewards
Services
  • Credit card registration
  • Discounts on purchases of goods and services (non travel related)
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Earn up to 6% back in crypto with every purchase. Available to Obsidian 'Private' tier.1 Start your crypto journey with uncapped rewards on purchases across all cards.2 Get Priority Pass airport lounge access for Jade/Indigo and above cardholders.³

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-217-8327
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 24.99%$749.70
Annual / periodic fees$0
Total yearly cost$749.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.

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