Alphaeon Credit Card

Alphaeon Credit Card Review

This is a store card issued by Comenity Bank. If you're wondering whether Alphaeon Credit Card is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 28.99%
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Alphaeon Credit Card

The Good	The Bad
No annual fee. Considers applicants with fair credit. Alphaeon Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

Alphaeon Credit Card FAQ

Does Alphaeon Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Alphaeon Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Alphaeon Credit Card has a variable purchase APR of 28.99%.

What are the fees for Alphaeon Credit Card?

The following fees apply:

Alphaeon Credit Card Fees

Fees	Amount
Annual Fee	$0
Initial Program Fee	$0
Returned Payment Fee	$41
Late Payment Fee	$41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Alphaeon Credit Card report your account activity to credit bureaus?

Yes, Alphaeon Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Alphaeon Credit Card

• Visit the Alphaeon Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.