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Ann Taylor Mastercard

in Personal Credit Cards

Unaffiliated Visit Site

Ann Taylor Mastercard

Unaffiliated

in Personal Credit Cards

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Overview

Who is the Ann Taylor Mastercard Designed For?

The Comenity Bank Ann Taylor Mastercard is designed for people with good credit who regularly shop at Ann Taylor or LOFT and want to earn rewards on their purchases without having to pay an annual fee.

Ann INC. is the parent company of Ann Taylor and LOFT, both of which are specialty retail fashion brands. The company has 1,025 locations throughout the United States and its brands are available in more than 100 countries.

What are the Rates for Ann Taylor Mastercard?

The rate on purchases, balance transfers and cash advances is set at 26.49% APR, which is high for a store card with such stringent credit requirements. There are no introductory rates on purchases or balance transfers.

What Are the Fees for Ann Taylor Mastercard?

As you would expect from a store card, there's no annual fee to worry about. However, it does include a $10 or 3% (whichever is greater) balance transfer fee, a $10 or 3% cash advance fee, and a 3% foreign transaction fee. Although there's no penalty rate for missing a payment deadline, there is a $38 late payment fee and a $25 returned payment fee.

What Is Ann Taylor Mastercard Rewards Program Like?

Ann Taylor's rewards program gives shoppers 5 points for every $1 they spend at Ann Taylor or LOFT and 2 points for every $1 spent on gas or groceries. All other purchases earn 1 point for every $1 spent. Redeeming points is simple. Every point is worth a cent and cardholders get a $20 gift card for every 2,000 points earned. Ann Taylor cardholders also receive a $15 birthday gift card toward an in-store purchase during their birthday month.

What about Ann Taylor Mastercard's Signup Bonus?

As well as the annual $15 birthday gift card, Ann Taylor gives new members a 15% on their first purchase for the entire day when they first open an account. However, the purchases must be made the same day they are approved. Purchases made later will not qualify for the 15% discount.

Cardholders also get a $20 rewards card for their first purchase made outside of Ann Taylor or LOFT. 

Does the Ann Taylor Mastercard Have Any Other Benefits?

Not really. Ann Taylor Mastercard users do receive special offers and exclusive invites to bonus points events, but that's it.

How Is Ann Taylor Mastercard Better Than Other Credit Cards?

The Comenity Ann Taylor Mastercard offers a high reward rate of 5 points per $1 spent at Ann Taylor and LOFT locations, which is a great deal for regular shoppers at Ann INC. stores. Its rates are high but it comes with both an annual $15 gift card and a 15% discount sign up bonus, which is outstanding for a card with no annual fee.

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days) 23
Over-Limit Fee $0
Annual Fee $0
No Annual Fee  
Late Payment Penalty $38
Returned Payment Fee $25
Minimum Interest Charge $1
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $10
Foreign Currency Transaction Fee 3%
Minimum Age 18
Co-signing Allowed  
Credit Score Range 640 - 850
850 300 640
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Fraud Liability  
Emergency Support  
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
All Other Purchases 1 point for every $1 spent
Every Purchase 5 points for every $1 spent
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
  • Retail
Signup Bonus $20
Annual Loyalty Bonus $15
Purchase APR (Variable APR) Starting at 26.49%
Cash Advance APR (Variable APR) Starting at 26.49%
Balance Computation daily balance
Balance Transfer APR (Variable APR) Starting at 26.49%

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