Rewards · Other · No annual fee
Last verified 2026-09-09. Review issuer source
Comenity Michaels is a no-annual-fee points card from Comenity. It earns 0x on purchases, which puts it behind most rewards cards; you hold it for the account itself, not the rewards.
On our reference budget of $24,600 a year it returns about $0, an effective 0% back.
It is a stepping-stone card. Keep the balance low and revisit once your score reaches the good range, where no-fee cards with better rates open up.
Earn 9% in Rewards every day when you use your Michaels™ Credit Card
No welcome bonus is stored for this catalog entry yet.
No benefits are stored for this catalog entry yet.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Michaels™This card | None | $0 | +$0 | 1095th of 1,291 |
| AAA Travel Advantage Visa Signature®Comenity's most-held other card · 5% on gas stations | None | $594 | +$594 | 12th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
