Ann Taylor Mastercard Review

Ann Taylor Mastercard is a store rewards credit card issued by Comenity. 

Fair credit. This card is designed for people with fair credit. The minimum credit score to apply is 640.

Accepts cosigners. 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.

If you're wondering whether Ann Taylor Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a Ann Taylor Mastercard cash back or rewards program?

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

Ann Taylor Mastercard Rewards

Rewards rate (all purchases)	1%
Max rewards rate	5%
Annual rewards limit	N/A
Signup Bonus ($)	$20
Annual Loyalty Bonus	$15

What are the Ann Taylor Mastercard benefits?

Ann Taylor Mastercard provides the following benefits:

• Fraud Liability
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for Ann Taylor Mastercard?

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% .

What are the Ann Taylor Mastercard fees?

No Annual Fee. Ann Taylor Mastercard does not charge an annual fee.

3% Foreign transaction fees. Ann Taylor Mastercard charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

The following fees apply to Ann Taylor Mastercard:

Ann Taylor Mastercard Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	3%
Balance Transfer Fee	3%
Minimum Balance Transfer Fee	$10
Returned Payment Fee	$25
Late Payment Fee	$38

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.

How to apply for Ann Taylor Mastercard

• Visit the Comenity website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.