Comenity Bank, a subsidiary of Bread Financial, is one of the largest issuers of co-branded retail credit cards in the U.S., offering more than 170 store cards for retailers like Victoria's Secret, Ulta, and Big Lots. With no physical branches, it serves customers entirely online and offers personal loans, buy now pay later plans, and savings products.

Use Fluz to maximize rewards on your Comenity Bank credit card payments. Instead of paying your store card bill directly, buy a Fluz gift card for the amount due and use it to make your payment, earning cashback on money you already owe. Fluz stacks with other rewards programs, so you can layer this cashback on top of your store's loyalty rewards. It's a simple way to squeeze extra savings out of a payment you're making anyway, with cashback credited straight to your Fluz wallet.