Overview

Who is this credit card designed for?

Ann Taylor Mastercard is a store credit card issued by Comenity, which is based in Columbus, OH. 

Ann Taylor Mastercard is designed for people with a credit score of 640 to 850. It's perfect for consumers looking for a card without an annual fee. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks. Comenity is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

What are the relevant APRs?

Ann Taylor Mastercard has a variable purchase APR starting at 26.49%.

The card has a variable balance transfer APR starting at 26.49%.

It also has a variable cash advance APR starting at 26.49%.

Is an introductory APR offer available?

No, Ann Taylor Mastercard does not come with an introductory APR offer for balance transfers.

Ann Taylor Mastercard does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to Ann Taylor Mastercard:

• There is no annual fee.
• A late payment penalty of up to $38.
• A returned payment fee of up to $25.
• There is no overlimit fee
• A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

Ann Taylor Mastercard offers a rewards program to its customers. This card features rewards for purchases in the following categories:

• Every Purchase
• Gas
• Groceries
• Retail

Is a signup bonus offered?

Yes, Ann Taylor Mastercard offers card users a signup bonus worth up to $20.

Is an annual loyalty bonus offered?

Yes, Ann Taylor Mastercard offers card users a signup bonus worth up to $15.

What additional benefits are offered?

 Ann Taylor Mastercard provides the following benefits:

Does Ann Taylor Mastercard report your account activity to credit bureaus?

Ann Taylor Mastercard reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.