FinMasters content is free. When you purchase through referral links on our site, we earn a commission. Advertiser Disclosure

Trek Credit Card

1.8 out of 5

The Trek Credit Card starts by charging you some of the highest interest rates we have reviewed. It does offer interest-free financing if you purchase a regularly priced bike for over $250. Unfortunately, the Trek Credit card is issued by Comenity Bank, which has a terrible customer service record.

1 out of 5
2 out of 5
2.5 out of 5
1.5 out of 5


No Annual Fee

Special Financing

Reports To Major Credit Bureaus


Low Value Rewards

High APR

Limited Use

Poor Customer Service

The Trek Credit Card offers none of the rewards or advantages that you would expect from a retail credit card. The only advantage to having the Trek Card is that you may qualify for six-month or twelve-month interest-free financing if you purchase a regular-priced bike.

Unfortunately, Comenity Bank issues this card. That means it carries an extremely high APR and an even worse customer service record.

Choosing a traditional credit card over the Trek Comenity Bank Card could save your credit score and thousands of dollars in interest payments over your lifetime.

The Trek Credit Card starts by charging you some of the highest interest rates we have reviewed, It does offer interest-free financing if you purchase a regularly priced bike over $250. 

You can only use this card at Trek stores or the Trek website. 

A major problem with this card is the issuer, Comenity Bank. Comenity Bank store cards have very poor customer reviews. One recurring complaint is that they will cancel your card if you do not keep a balance and pay them interest, even if you always pay on time. 

When an issuer closes a revolving credit card account your credit score can take a hit.

There are many traditional credit cards that would be a better choice than the Comenity Trek Card if you are looking for a credit card. 


What Is The Trek Credit Card?

The Trek Credit Card accounts are issued by Comenity Bank for use only at the Trek family of stores and their website. You will not find a Visa, MasterCard, Discover, or American Express logo on this card, so it can’t be used anywhere else.

Customers who use the Trek card to make purchases may qualify for special financing terms if they purchase a regularly priced bike over $250.

Trek rewards do not include points or any other notable perk other than promotional plan financing for qualified purchases.

Comenity Bank and Trek offer two special financing options based on the amount you need to borrow and the length of time you plan on taking to pay off off the loan.

Here’s the catch.

First, you have to purchase a bike at the regular price to qualify for interest-free financing.

Second, the bike must cost $250 to qualify for up to six months of differed interest financing, or over $1,000 for twelve months of interest-free financing.

If you fail to pay the purchase in the specific time frame or make a late payment you will be back charged 28.49% in interest from the date of the purchase.

Frankly, you can check out our list of best zero interest special financing credit cards and find a better deal with no annual fee.

👉 A 2019 Credit Card Insider survey found that 40% of retail store credit card holders regretted applying for their store card. We recommend that you apply for a traditional credit card instead.

Regardless of your credit score, there are many better alternatives to the Comenity Trek Card option that will save you more money.

Who Is Comenity Bank?

Comenity Bank and Comenity Capital Bank are owned by Data Alliance. They manage multiple customer loyalty programs.

They work with retail locations and provide them with store credit cards, rewards programs, and marketing information to retain customers.


Below are some of the basic features of the Comenity Bank Trek CC:

  • Card type: Unsecured
  • Interest rate: 28.49% Variable
  • Annual fee: $0
  • Rewards: Special Financing Options On Selected Items
  • Security deposit: None
  • Foreign transaction fee: N/A
  • Credit reporting: Reports payment history to all three credit bureaus.
  • Cash advance fee: N/A
  • Cash advance APR: N/A
  • Late payment fee: Up to $40.00
  • Returned payment fee: Up to $40.00
  • Over The Credit Limit: None

Pay particular attention to that 28.49% APR!

Trek Credit Card Benefits

The Trek Card offers customers special financing options on some products.

Their rewards program is so light that they have to include ‘perks’ that almost all store cards offer, such as no annual fee and access to your account online.

In addition, the Trek Rewards also include the following:

  • Differed Interest Financing
  • No annual fee (this is standard for store cards, not really a reward)
  • Account management app (every card offers this, not really a reward)

This is not a particularly impressive package.

Credit Limit 

Your initial Trek credit limit will be determined by a number of factors, including your credit history and income.

There is no way of predicting the credit limit you will get.

Trek Credit Limit Increase

Your account will periodically be reviewed for eligible credit limit increases.

If you make your payments on time, Comenity Bank will consider you for a credit limit increase.

You can also request a credit limit increase on your customer dashboard or by calling Comenity Bank directly.

This is true for most credit cards and should not be a determining factor in choosing a credit card.

Trek Credit Card Pros & Cons


  • Reports to major credit bureaus
  • Differed interest financing
  • $0 annual fee


  • 28.49% Variable APR
  • Limited use
  • Bad customer service
  • Low rewards value

Customer Reviews

If you apply for Trek Card you need to understand that you will be paying much higher interest rates than you would with a traditional credit card.

⚠️ Trek Rewards program offers some of the lowest value of rewards compared to their competitors.

In addition, Comenity Bank has a long history of poor customer service.

Read some of the recent reviews submitted below about Comenity Bank. Comenity Bank is the card issuer and the company you are actually working with if you apply for the Trek credit card.

You can see more reviews on the Comenity Bank Better Business Bureau page, where they have 1.03 out of 5 stars from 780 reviews.

How Do I Cancel?

You can cancel your account at any time by contacting the Customer Service phone number listed on your billing statement or on the back of your credit card.

Is There A Fee For Closing My Account?

Outside of the fees associated with your remaining balance, there is no fee for closing your account.

Today is a great day to apply for a new credit card that you can use anywhere and be charged a fair APR, but the Trek Card is not that card.