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Comenity Capital Bank issues Gardner-White Credit Card Accounts. If you wish to proceed with the online application, you will be providing information to Comenity Capital Bank.

Please review the Important Information and Terms about opening an account prior to submitting your application:

To apply you must:

  • Be at the age of majority in your state or territory
  • Have a valid government-issued photo ID
  • Have a valid government issued tax identification number (such as a SSN or SIN)
  • Have a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses

† Alimony, child support or separate maintenance income need not be included if you do not wish to have it considered as a basis for repaying this obligation.

Eg. $40,000

Married WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial information.

By providing your contact information, including any cellular or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, and calls made via automatic telephone dialing systems, or via e- mail.

Authorized user are allowed to use your account; however, as the primary account holder, you are responsible for repayment of all amounts charged to your account.

You may add one authorized user to your account at this time. Once your account is open, you may add up to four total authorized users.