| Rewards | The card earns points (or “rewards”) when you shop at Ann Taylor, LOFT, and related brands. |
|---|---|
| Signup Bonus | $20 off after making a purchase outside Ann Taylor. 15% off your first Ann Taylor purchase |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 35.99% variable. |
| Cash Advance Fee | The greater of $10 or 3% of the amount of each cash advance. |
| Late Payment Fee | Up to $41. |
| Purchases APR | 35.99% variable |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Ann Taylor Credit Card is known for offering store-centered perks rather than traditional cash-back rewards. With no annual fee, a 15% first-purchase discount, and occasional bonus offers at Ann Taylor and LOFT, it’s mainly designed for frequent shoppers who want extra savings and early access to promotions.
Most users say they like the instant discounts and exclusive cardholder events. Many reviewers mentioned that the rewards add up quickly if you already shop the brand regularly, and some appreciate how easy it is to use rewards certificates during sales.
On the downside, people often complain about the very high APR, the limited usability (since the best value is only in-store), and occasional hiccups with Comenity’s customer service. Others wish the card offered more flexible rewards, like cash back or points redeemable outside the Ann Taylor family.
Personally, I think this card makes the most sense if you’re a loyal Ann Taylor or LOFT shopper who loves stacking discounts and doesn’t carry a balance. If you want broader rewards or lower interest rates, you’ll probably find better value with a general cash-back card — but for devoted fans of the brand, it can definitely pay off.
RATE THIS CREDIT CARD
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Pretty perks, but the interest is brutal
I like the 5x points on Ann Taylor/LOFT and the 15% off on Tuesdays, but the APR is way too high. If you don't pay in full, rewards don't cover the cost.
