Your new credit card will arrive in the mail 7-10 business days from the date you opened your account. If you do not receive your card after 10 business days, please call Comenity Bank at 1-855-810-2541 (TDD/TTY: 1-800-695-1788) to request another card.
LIMITED TIME ONLY
for more information on this promotion, see our current promo details page. See Details
LIMITED TIME ONLY
for more information on this promotion, see our current promo details page. See Details
Helzberg Credit Card
Cardholder benefits
Enjoy these additional perks when you use your Helzberg Credit Card.
• Zero down special financing5
• No annual fee4
• Cardholder-exclusive offers
• Special financing5
• 24-7 access to your account via commenit.net/helzberg or the Bread Financial app
Cardholder benefits
Enjoy these additional perks when you use your Helzberg Credit Card.
• Zero down special financing5
• No annual fee4
• Cardholder-exclusive offers
• Special financing5
• 24-7 access to your account via commenit.net/helzberg or the Bread Financial app
Welcome reward1
$100 in-store welcome reward when you apply and are approved for the Helzberg Credit Card. Reward is mailed to you with your new card.
Birthday bonus2
$50 off $149.99 or more for your birthday during your first year as a cardholder with purchase on your Helzberg Credit Card.
Holiday reward3
$75 off $75 or more to use toward holiday gifts with purchase on your Helzberg Credit Card. In-store only.
Welcome reward1
$100 in-store welcome reward when you apply and are approved for the Helzberg Credit Card. Reward is mailed to you with your new card.
Birthday bonus2
$50 off $149.99 or more for your birthday during your first year as a cardholder with purchase on your Helzberg Credit Card.
Holiday reward3
$75 off $75 or more to use toward holiday gifts with purchase on your Helzberg Credit Card. In-store only.
Payback period
Minimum purchase
Interest rate
6 months
$299
Zero interest if paid in full within 6 months6
12 months
$999
Zero interest if paid in full within 12 months6
18 months
$2,999
Zero interest if paid in full within 18 months. Valid 11/1/25-2/17/26.6
36 months
$2,999
9.99% APR for 36 months. After that, purchase APR 35.99%7
60 months
$4,999
9.99% APR for 60 months. After that, purchase APR of 35.99%. Valid 11/1/25-2/17/26.7
For the 6, 12 and 18 month credit plans, interest will be charged to your Account from the purchase date if the purchase balance is not paid within the promotional period.6
Yes. You will receive a monthly statement by mail if you have a balance or if there is activity on your account, unless you sign up for paperless statements (see next questions).
It’s easy to sign up! Visit comenity.net/helzberg and click “Register Now.” Enter your account information (using your current account number).
You can opt in by signing into your online account, selecting "Paperless" in the main navigation menu and electing to enroll.
• Pay online after you have registered your account at comenity.net/helzberg.
• Inside a Helzberg store – Please note that Comenity Bank will not accept a credit card as a form of payment.
• Schedule a payment or send a check to: Comenity Bank; PO Box 182119; Columbus, OH 43218-2119.
See your billing statement for all payment options and details.
Yes. Visit comenity.net/helzberg and click on “Payments.” Accept terms and conditions, and then navigate to the top banner for more details on how to pay your bill with your debit card. For any questions, please call Comenity Bank at 1-855-810-2541 (TDD/TTY: 1-800-695-1788) or visit the nearest Helzberg store.
For any questions, please call Comenity Bank at 1-855-810-2541 (TDD/TTY: 1-800-695-1788); or visit comenity.net/helzberg, go to the help page and select Transactions and Statements.
For any questions, visit https://d.comenity.net/ac/helzberg/public/help/promotional-plans or call Comenity Bank at 1-855-810-2541 (TDD/TTY: 1-800-695-1788).
For any questions, please call Comenity Bank at 1-855-810-2541 (TDD/TTY: 1-800-695-1788) or visit the nearest Helzberg store.
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important disclosures
1 Valid one time only. Offer will be received with your card. Offer valid in-store only.
2Accounts that opened in your birthday month will receive the offer the following calendar year. Valid one time only. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received the month of your birthday. Must have valid email address and U.S. mailing address. Not available on existing accounts.
3 Must have made a purchase in the previous 12 months. Accounts that opened between October 1 and December 31 will receive the offer the following calendar year. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received between October 1 and December 31
4 Click here for important rate, fee, and other cost information.
5 Minimum payments are required for each Credit Plan. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement..
6 Deferred Interest, Payment Required plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan.
7 Low APR, Equal Payment plan: Interest will be charged to your Account at the reduced APR from the purchase date through the end of the promotional period. After the promotional plan expiration date, the purchase APR will apply. Minimum payments are required for each Credit Plan.
*All Promotional Plans:
Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. As of November 2025, terms for new Accounts: Purchase APR of 35.99%. Minimum interest charge is $3 in any billing period in which interest is due. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. Existing Cardholders: see your credit card agreement for Account terms.
Credit card offers are subject to credit approval.
Helzberg Credit Card Accounts are issued by Comenity Bank.