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  Ann Taylor Mastercard

Ann Taylor Mastercard

in Personal Credit Cards from Comenity

Unaffiliated

Ann Taylor Mastercard

Unaffiliated

in Personal Credit Cards from Comenity

Net Recommendation Score -100%

SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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Highlights
Highlights
Community Rating

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Purchase APR  (Variable APR) 24.99%
Balance Transfer APR  (Variable APR) 26.99%
Credit Score Range 640 - 850
Annual Fee $0

Ann Taylor Mastercard Review

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

Key Takeaways
  • Generous reward rate. You will get a a rewards rate of 5 points per dollar spent.
  • Signup bonus. Offers a signup bonus of $20.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 24.99%
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Ann Taylor Mastercard charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $50 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Accepts cosigners. Comenity is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Gas rewards.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
Ann Taylor Mastercard Pros & Cons
The Good The Bad
  • No annual fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Ann Taylor Mastercard reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee.
Ann Taylor Mastercard FAQ

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

Ann Taylor Mastercard offers a rewards program to its customers.

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

Does Ann Taylor Mastercard have a signup bonus?

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

Does Ann Taylor Mastercard offer an annual loyalty bonus?

Yes, Ann Taylor Mastercard offers card users an annual bonus worth up to $15.

What are the Ann Taylor Mastercard benefits?

Ann Taylor Mastercard provides the following benefits:

  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Ann Taylor Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Ann Taylor Mastercard has higher than average purchase APRs.

Ann Taylor Mastercard has a variable purchase APR of 24.99%. The card has a variable balance transfer APR of 26.99% . It also has a variable cash advance APR of 24.99% .

Does Ann Taylor Mastercard have an introductory APR offer on balance transfers?

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

Does Ann Taylor Mastercard have an introductory APR offer on new purchases?

Ann Taylor Mastercard does not offer an introductory rate on new purchases.
Ann Taylor Mastercard Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Ann Taylor Mastercard?

The following fees apply to Ann Taylor Mastercard:

  • There is no overlimit fee
Ann Taylor Mastercard Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $25
Late Payment Fee up to $40

Does Ann Taylor Mastercard have a foreign transaction fee?

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.

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 on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Ann Taylor Mastercard

  • Visit the Ann Taylor Mastercard website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • 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.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   12921 South Vista Station Boulevard
    Salt Lake County
    Draper, UT 84020
  •   Visit Site

About Ann Taylor Mastercard

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View all personal credit cards offered by Comenity

Availability

  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

Every Purchase (Points) 5 points for every $1 spent
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee Up to $25
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
  • Emergency Support
Annual Loyalty Bonus $15
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
  • Retail
Signup Bonus $20
Rewards Type Points
Cash Advance APR (Variable APR) 24.99%
Balance Computation daily balance
Purchase APR (Variable APR) 24.99%
Balance Transfer APR (Variable APR) 26.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Store Card
  • Bonus Offers
  • Gas
Card Network Mastercard

Ann Taylor Mastercard Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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