CardSleuth
← Back to explorer
45

Unity™ by Hard Rock Mastercard

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
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
—
620–719
31.99%
720+
22.24%
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: •5X Unity Points at participating Hard Rock non-casino properties when you present the Unity by Hard Rock loyalty card or digital loyalty card found in the Unity app 4X Unity Points on non-gaming spend at participating Hard Rock Casino properties when you

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-695-5352
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 25-day grace period avoids the interest entirely.

Cardholder agreements

100 documents filed by Comenity Capital Bank in the 2026 Q1 archive.

All 100 agreements

More from this issuer