Features

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 Interest Rates for Ann Taylor MasterCard?

The interest rate on purchases, balance transfers and cash advances is set at 25.24% 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 $37 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 $1 they spend at Ann Taylor or LOFT. All other purchases earn 1 point for every 1$ spent. Redeeming points is simple. Every point is worth a cent and cardholders get a $20 gift card for every 20,000 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.

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 interest 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.

  • Card Type
    Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    Mastercard
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    23
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $25
  • Foreign Currency Transaction Fee
    3%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    25.24% - %
  • Transfer Fee
    3% w/$10 min.
  • Balance Transfer APR
    25.24% - %
js-table-filter bizname-comenity-bank--gander-mountain-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
16.99
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1989

  • Gas
  • Groceries
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 16.99%
Balance Transfer APR 24.99%
024
js-table-filter bizname-comenity-bank--ann-taylor-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
25.24
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1989

  • Gas
  • Groceries
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 25.24%
Balance Transfer APR 25.24%
014
js-table-filter bizname-marathon-visa--through-comenity-bank
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter gas-139
17.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1989

  • Cashback
  • Gas
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 17.24%
Balance Transfer APR 26.24%
023
js-table-filter bizname-comenity-bank--love-loft-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
25.24
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1989

  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 25.24%
Balance Transfer APR 25.24%
015
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In 2016, you still cannot setup an auto-pay. Makes it sound like they like to make it difficult to pay off debt and look forward fees and interests.


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