Comenity Caesars rewards visa charges interests fee if I dont use my card but only for emergencies.I check my account online and One went from different balance .Im never late on my payments ever.Every month I see my payments and they charged me interest fee just for paying my payment? Please dont blame this on economy but just the company.Comenity have different loyalty cards and credit cards as well..Read those fine prints before jumping in it... User's recommendation: Enter at your risk.