Ann Taylor Credit Card Review

The Ann Taylor credit card offers a solid rewards program for the most loyal brand customers, but not many additional perks to entice occasional shoppers.

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The Verdict

If you're someone who regularly shops at Ann Taylor or LOFT and want to earn cash rewards to use toward purchases (without having to pay an annual fee), then this card is a good match for you.

You also have two choices: The Ann Taylor store card (that can only be used in Ann Taylor stores), or the Ann Taylor Mastercard, which can be used anywhere Mastercard is accepted.

Both Ann Taylor credit cards are offered through Comenity Bank, and the terms and conditions are similar for each (and the APR is high—just under 26%!).

Whichever you choose, the key to maximizing the card is to be a frequent shopper of Ann Taylor fashion and to pay off your charges ASAP.

On the other hand, if you tend to carry a balance or rarely shop at Ann Taylor, you're probably better served by choosing a non-store branded Mastercard that can offer a lower APR, better earnings on gas and grocery purchases, and a wider range of reward redemption options.

The Competition

Although there isn't a direct competitor of Ann Taylor per se, people are often selective when choosing which store-branded cards deserve a spot in their wallet.

Other popular retailers with store cards include New York & Company, TJ Maxx, Victoria's Secret, and J. Crew.

popular retailers with store cards

Most store cards offer similar programs as Ann Taylor credit cards, including a one-time discount when the card is opened (this one boasts 15%), but there are some differences when you look at various cards side by side.

How Ann Taylor offers 5X more rewards than one of its competitors

Ann Taylor New York & Company's RunwayRewards Credit Card
How high of a credit score do you need? >669 >620
Average APR? 25.99% 26.99%
How big of a sign-up bonus do you get? 15% off first purchase 15% off first purchase
How much do you need to spend to get the bonus? $400 for $20 off $200 for $10 off; $200 for $20 if you reach Premier status (you must spend $400 on your RunwayRewards Card per calendar year and keep your account in good standing)
How many points do you get for every dollar? 5 points at Ann Taylor and LOFT stores; 2 points per dollar for groceries and gas, and 1 point for other purchases (Mastercard version only) 1 point
Any restrictions? Only for purchases at Ann Taylor stores; Ann Taylor Mastercard works wherever Mastercard is accepted Only for purchases at New York & Company stores
If you spent $100, how much will points translate to in real dollars? $5 $5; $10 for Premier cardholders

The Question Everyone Wants Answered

When will you receive rewards for using the Ann Taylor credit card?

The Perfect Rewards program, which enables you to earn points that convert to savings on future purchases, are issued at the end of each month.

They are available in the Ann Taylor Card app and in the online Account Center a few days later so you won't need to worry about misplacing a coupon or savings certificate printed at the bottom of a receipt.

For reference, they are also printed at the top of your next monthly billing statement.


The Ann Taylor credit card is strong because of its unlimited shopper rewards and five-points-per-dollar value.

The more you spend the more rewards, and there's no cap on earnings with Ann Taylor's "Perfect Rewards" program.

Multiply by five. Shoppers earn 5 points for every dollar spent in stores or online at Ann Taylor or LOFT, Ann Taylor Factory Store, LOFT Outlet, and Lou & Grey (the company's activewear store), whereas some retailer cards offer fewer points per dollar.

It works out that you'll get a $20 rewards card for every $400 you spend.

Boost points with outside spending. Those who opt for the Mastercard version can accumulate points even faster since they'll get two points for every dollar spent on gas and groceries and one point for all other purchases.

No limits. If you're a frequent shopper, you'll find this card well worth it. By earning $20 gift cards, it won't take long to see that the more you shop, the more you save.


The Ann Taylor credit card is weak because there aren't really any ‘can't-live-without-it' benefits.

When compared to some other retail credit cards, which may offer multiple bonus discounts, purchase credits, and exclusive sales throughout the year to cardholders, the benefits of the Ann Taylor credit card seem basic.

Not to mention that…

Your birthday gift comes with a catch. Ann Taylor touts its $15 birthday month coupon, but there are restrictions.

It can only be used on full-priced merchandise, and many retailers offer similar perks just for joining its email list.

most common birthdays

You'll get hammered if you carry a balance. All it takes is one or two months of you not paying your balance in full and you'll negate any points earned in interest payments.

Is It right for You?

You should get the Ann Taylor credit card if you're truly an Ann Taylor loyalist.

If you think that sounds like you, it's time to delve deeper. Start by answering the questions below:

  • Do you do a lot of shopping in Ann Taylor and LOFT stores? And by a lot, we mean at least a couple of outfits per season since you'll have to spend $400 to get back $20.
  • Will you be able to take advantage of cardholder rewards perks to maximize the value of the card, such as shopping on the first Tuesday of the month to score 15% off of your entire purchase?
  • Can you commit to not carrying a balance so you're not hit with high-interest charges?
  • Is your credit in the fair range, with scores of 669 and above?

If you've answered yes to the questions above, the Ann Taylor Credit Card may be worth exploring.

Ann Taylor's History

Richard Liebeskind, the founder of Ann Taylor, opened his first store in New Haven, Connecticut in 1954, but the store isn't named after a real person.

Ann was chosen because it was a New England-sounding name, and Taylor was chosen to evoke the idea of tailored clothing.

The brand has always catered to the sophisticated lifestyle of the American woman, offering classy and career-oriented fashion at affordable prices—from clothes that emulated Jackie Kennedy's look in the 60s, to those iconic 80s shoulder-padded power suits, to today's corporate casual styles.

Ann Taylor's shopping bag is even in the Smithsonian's permanent collection and famed actress Julia Roberts was discovered while she was working for the company.

The Ann Taylor credit card will work best throughout the United States and globally

The company has 1,025 locations of Ann Taylor and LOFT throughout the nation and its brands are available in more than 100 countries.

How the Card Works

The Ann Taylor credit card gives its cardholders the typical offerings you'd expect from a retail card.

Here are some of the key selling points:


For a retail store card, the key word is discounts, and the Ann Taylor credit card boasts a few.

Start off with savings. Get an extra 15% off your entire purchase at Ann Taylor,, Ann Taylor Factory Store, LOFT,, and LOFT Outlet when you open a card.

To make that initial bonus worthwhile, make sure you're making a big purchase when you start the card.

If you're only buying $40 worth of merchandise, you'll save just $6, whereas if you spend $400, you'll save $60!

ann taylor store growth

Enjoy your birthday gift. You'll get $15 to spend in stores during your birthday month (on both cards). One thing worth noting: You must have made a purchase in the last 12 months in order to receive this benefit.

Boost your savings once a month. Get 15% off your entire purchase on every first Tuesday of the month (on both cards).


How much you earn depends on how much you spend and when/where you shop.

Look for double-point days. There are some exclusive cardmember-only events like this, so keep watch on Ann Taylor's website or sign up for the newsletter.

Spend more, earn more. Get a $20 rewards card for every $400 you spend at the company.

Get your one-time signup bonus. With the Mastercard, you'll get 1,000 points once you complete your first purchase outside of Ann Taylor—that's a $10 value.

Interest rates, APR, and fees

Balance revolving is costly. 25.99% APR for Mastercard; 25.74% APR for the store card.

You don't have to pay an annual fee. Some rewards cards do have a fee, but the Ann Taylor card does not.

But there are foreign transaction fees. If you plan to use your Ann Taylor Mastercard abroad a 3% fee will be tacked on.

If you're late, it'll cost ya. If you don't pay at least the minimum payment due by the payment due date, you will be charged a $27 late fee. Subsequent charges for late fees within six months will incur a $38 fee.

Cash in a flash—for a fee. You can get a cash advance (only on the Mastercard), but you'll pay a 3% fee. Withdrawals are also limited to $400.

What People Love About It

Without any truly unique benefits, the Ann Taylor card is your run-of-the-mill piece of store plastic.

However, frequent shoppers who are able to take advantage of benefits and rewards (and not carry a balance) will enjoy whipping out their Ann Taylor card in stores to earn points that can translate into scoring rewards you can use for a little extra splurge for yourself, like a cute pair of sunglasses or sleek scarf.

dyi luxury spending

Biggest Consumer Complaints

Consumer reviews seem to have a common theme—that when things go wrong they don't get much help from customer service.

The biggest consumer complaints about Ann Taylor credit card center on what they allege to be sneaky tactics.

Payment complications. At one time, there wasn't even an option to set up automatic payments online to the frustration of many cardholders.

While that seems to be remedied since Ann Taylor introduced its online Account Center and app, customers say that their payments don't always post properly.

Says one app reviewer: "The worst app I have ever used. Stopped right in the middle of me making a payment."

Low credit limits (but they aren't set in stone). While it's usually the case with store-issued cards that initial credit limits start off low (in the $250-$500 range)—something many consumers cited as a negative—spending limits on the Ann Taylor credit card can increase over time with responsible payment activity.

In fact, one customer reported she was approved for an upgrade from the store card to the Mastercard version (with a higher credit limit) during checkout at the store.

Poor communication from the company. Whether it's a first statement that doesn't arrive in a timely manner, or not getting notified about a late payment until it's sent to collections, some customers complain that they often feel like they are being set up to get hammered with late fees.

Key Digital Services

The Ann Taylor credit card app has improved account access, but it's still a work in progress.

With the launch of the Ann Taylor Card app on both Apple and GooglePlay, you have secure, convenient access to your rewards.

You can also view your account information and pay your bill.

While there aren't ample ratings/reviews on iTunes, the GooglePlay users of the app report that the app frequently crashes.

How to Sign up for the Card

In order to take advantage of the 15% off your first purchase offer, you should apply when you're ready to check out in person, or after you've loaded up your online shopping cart at

And don't waste the discount on a clearance rack T-shirt.

Instead, stock up on wardrobe staples so you can amplify the savings.

How to Close Your Account

In order to cancel your Ann Taylor card, you must contact customer service at 1-866-730-7902.


  • Can I add an authorized user to Ann Taylor credit card?

    One additional card may be issued to an authorized user.

  • How do I report a stolen Ann Taylor credit card?

    If you notice the loss or theft of your credit card or a possible unauthorized use of your card, write to: PO Box 182273, Columbus, OH 43218-2273. You can also call 1-866-730-7902.

  • Is there any liability if there is a fraudulent charge on the card?

    You will not be liable for any unauthorized use of your Ann Taylor credit card that occurs after you notify the company. You may, however, be liable for unauthorized use that occurs if you don't notify the company within 60 days, but liability will not exceed $50.

  • How can I avoid paying interest?

    Your due date for the Ann Taylor credit card is at least 25 days after the close of each billing cycle. If you pay your entire balance by the due date each month you will not be charged interest.

  • Can I use the Ann Taylor credit card online?


  • Will I be charged for shipping if I use my card online?


  • What credit score do I need to get approval for the Ann Taylor credit card?

    While there is no published score minimum, as is often the case with store credit cards, you need only have fair credit in order to be approved. So if your FICO score is in the upper 600 range, you should have no trouble qualifying.

  • What credit score do I have to maintain so my account is not closed?

    Keeping your Ann Taylor credit card account active and in good standing should be enough to keep your account open. However, the terms and conditions state that Comenity reserves the right to close your account at any time (as is standard in most card fine print).

  • Will my credit score drop when my account gets closed?

    Your credit score can drop whenever there is a change in your total amount of available credit. If your Ann Taylor credit card account is closed because you didn't pay your bill, however, that negative payment activity will have a much greater impact on your credit score.

  • Does Ann Taylor credit card report to credit bureaus?

    Yes, they do.

  • Can I build my credit with the Ann Taylor credit card?

    Anytime you use and make timely payments on a credit card, that activity will become part of your credit history.

  • Is there a credit insurance program?

    Purchasing credit insurance is optional. If you do choose to carry credit insurance coverage, the premium charge will be added to your account as a purchase on the last day of each billing period. You can cancel your coverage at any time.

  • Can I have both Ann Taylor credit cards at the same time?

    If you have an Ann Taylor card and decide you want to apply for the Mastercard version, your existing store card account may be closed and any balance may be transferred to the new Ann Taylor MasterCard account if you are approved.

  • How long does it take to receive the card once I have been approved for it?

    The physical Ann Taylor credit card will be sent in the mail, usually within 7-10 business days, but if you apply online or in store and are approved, you can begin using the account right away.

  • Is there a limit on how many points I can earn with the Ann Taylor credit card?

    No, there is no limit on rewards.

  • How and where will I receive my rewards card?

    You can receive your reward card in one of three ways: On the Ann Taylor Card mobile app, online in your account, or on your monthly billing statement.

  • What is the minimum payment?

    The total minimum payment won't be less than $27. If your account balance is less than $27, you must pay the amount indicated on your statement in full.

  • Where and how can I make my payments?

    You can pay your bill online; payments submitted before 8pm EDT will be credited to your account the same day. To make an expedited payment over the phone, you may be subject to a fee of up to $15.

  • What if you find an error on the credit statement?

    If you think there is an error on your Ann Taylor credit card statement, contact Comenity Bank in writing within 60 days after the error appeared. Write to: Comenity Bank, PO Box 182782, Columbus, OH 43218-2782. Include your name and account number; dollar amount of the error; and description of the problem.

  • How can I check my Ann Taylor credit card balance?

    You can log on to the app or website 24/7, or call the customer service number on the back of your card.

  • Can I pay for my Ann Taylor credit card with a gift card, a different credit card, or PayPal?

    When paying online, you must use a checking account number to set up a bank account payment.

A solid choice for Ann Taylor devotees

Overall, if you're an avid Ann Taylor shopper, this card could be a good match for you.

Earn rewards dollars on spending you'd do anyway. Might as well reap some rewards for your shopping obsession.

Score a few additional perks. Bonus points days and the birthday gift can give you additional savings boosts.

Easy to get approved. Since store retail cards like Ann Taylor often do not have stringent qualifications, it's also a good product for those wishing to build up their credit.

If you're not a regular at Ann Taylor stores, however, there are probably better rewards card options out there for you that offer more flexibility and higher earnings potential.

Since you're interested in a retail store card like Ann Taylor, then you may want to check out these other reviews and articles.

Do you use the Ann Taylor card?

How has the card worked out for you?

Any great tips (or nightmares) to share with the rest of us?

Let us know in the comments below.

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Editorial Note:

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