Ann Taylor MasterCard

Card Details
Rewards	Earn 5 points per $1 spent on Ann Taylor / Loft / brand purchases. Points convert into $20 Rewards Certificates for every 2,000 points. Extra perks: 15% off on the first Tuesday of each month at Ann Taylor / Loft stores, free standard shipping for orders $75+, and a $15 birthday reward.
Signup Bonus	$20 reward card after making a purchase outside the Ann Taylor family. 15% off your first Ann Taylor / LOFT purchase (if used upon account approval).
Annual Fee	None
Cardmember Agreement	View Here
Cash Advance APR	35.99% variable. (APR is subject to change)
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 Mastercard is known for offering extra perks beyond the standard store card, all with no annual fee. It gives shoppers 5 points per dollar at Ann Taylor and LOFT brands, plus a small signup bonus and ongoing discounts like birthday rewards and monthly savings events.

Most users say the card is great for maximizing savings during sales, especially if they already shop the brand frequently. Many reviewers mentioned that rewards certificates arrive quickly, and the Mastercard version is useful because it can be used anywhere—not just at the store—while still earning some points.

On the negative side, many cardholders complain about the extremely high APR, which makes carrying a balance a bad idea. Others note that Comenity’s customer service can be inconsistent, and that rewards are less flexible compared to general cash-back cards. A few also wish the earnings rate outside Ann Taylor and LOFT were higher.

Personally, I think the Ann Taylor Mastercard is best for loyal shoppers who want every possible discount and always pay their balance in full. If you’re looking for broad rewards, travel perks, or low interest rates, you’ll likely get better value elsewhere—but for fans of the brand, it can genuinely pay off.