| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Purchases
1 point per $1 spent on all net eligible purchases wherever Mastercard is accepted, with no caps on total earn. Points are not earned on returns, refunds, cash advances, balance transfers, interest, fees, or unauthorized charges.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Online Account Management
Cardholders can manage their account, make payments, view transaction history, review statements, and redeem points 24/7 through Account Center at comenity.net/myworldcard. Customer care is available at 1-888-275-2480.
|
Financial | Complimentary 24/7 account access |
|
Paperless Statement Option
Cardholders may enroll in paperless statements through Account Center to avoid any applicable paper statement fee. Enrollment is separate from electronic disclosure consent provided at application.
|
Financial | Complimentary paperless enrollment |
|
Mastercard Network Acceptance
The My World® Mastercard® Credit Card is accepted wherever Mastercard is accepted worldwide, giving cardholders broad purchasing access at millions of merchants globally.
|
Other | Complimentary global acceptance |
|
1 Point Per $1 on All Purchases
Cardholders earn 1 point for every $1 spent on net eligible purchases wherever Mastercard is accepted. Points are calculated using standard rounding; earnings of 0.5 or more round up, less than 0.5 round down. Points are not earned on returns, refunds, cash advances, balance transfers, fees, or unauthorized charges.
|
Rewards | 1x points on all purchases |
|
Bonus Points for Special Offers
From time to time, Comenity Bank may make bonus point offers to cardholders. These offers may have specific conditions, limitations, or registration requirements and may only be communicated via email. Comenity Bank may change or withdraw any offer at any time without notice.
|
Rewards | Variable bonus points per special offer |
|
Points Redeemable for Catalog Merchandise
Points may be redeemed through the program catalog website accessible via Account Center at comenity.net/myworldcard. The catalog is administered by Bakkt and Aspire, non-affiliated third parties solely responsible for fulfillment of goods.
|
Rewards | Complimentary redemption access |
|
Points Redeemable for Gift Cards
Points may be redeemed for gift cards through the program catalog website via Account Center. Gift card redemptions are administered by Bakkt and Aspire. Points are redeemed on a first-in, first-out basis.
|
Rewards | Complimentary redemption access |
|
Points Redeemable for Travel
Points may be redeemed for travel through the program catalog website via Account Center. Travel redemptions are administered by Bakkt and Aspire. Contact Bakkt/Aspire at 1-855-225-3706 or customercare@bakkt.com.
|
Rewards | Complimentary redemption access |
|
Credit Bureau Reporting
The cardmember agreement authorizes Comenity Bank to furnish account information to credit bureaus, other creditors, and My World. Responsible account management is reported and can help cardholders build or maintain their credit profile.
|
Security | Reported to credit bureaus |
|
Fraud and Account Security Protections
Comenity Bank provides standard account security measures including encryption technology, Secure Message Center for account communications, and cardholder guidance to report lost or stolen cards immediately. Comenity Bank may temporarily suspend point earning or redemption if fraudulent activity is suspected.
|
Security | Complimentary |
