Retail store credit card. APR Note: Rates reflected above are per the Comenity website as of 1/27/2016, and reflect a Prime Rate of 3.25%. Contact Comenity to see what may have changed since that date. To apply you must be at least 18 years of age, have a valid government-issued photo ID, and have a U.S. Social Security Number. Returned Payment Fee: Up to $35.