Comenity Bank Ann Taylor Mastercard® Credit Card Review
Ann Taylor Mastercard® from Comenity Bank — all information about the credit card.
Updated December 18, 2023
Apply now
Recommended credit score
Good to Excellent (670-799)
- Rewards Rate:
- 5x Points per $1 spent for Ann Taylor purchases.
- 2x Points per $1 spent for gas & groceries.
- 1x Point per $1 spent for everything else.
- Intro Offer:
- $20 Receive $20 for your first purchase outside of "Ann Taylor" (in the first 60 days after you open your card).
- 15% Cash Back applies to qualifying purchases immediately upon account opening at Ann Taylor, AnnTaylor.com, Ann Taylor Factory, LOFT, LOFT.com, or LOFT Outlet.
- Annual Fee:$0
- Purchase Intro APR:None
- Regular APR:35.24% Variable
- Balance Transfer APR:26.99%
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Comenity Bank Ann Taylor Mastercard® Rewards Calculator
Your Results
Total yearly earnings
First year rewards
$140
Rest years rewards
$120
Annual fee
$0
Yes, Comenity Bank Ann Taylor Mastercard® credit card is worth its annual fee!
How to maximize your Comenity Bank Ann Taylor Mastercard® rewards?
Follow these simple steps to make the most of Comenity Bank Ann Taylor Mastercard® credit card:
- Spend more on Ann Taylor purchases
- Redeem most of your points for Purchases in Partner stores
- Pay off your balance in full each month.
- Make a large purchases plan.
Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with Comenity Bank Ann Taylor Mastercard®.
Your net profit in the first year
$140.15
x52
Your net profit in subsequent years
$120
x44
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You will receive 12,015 points and $20 in the first year (equivalent to $140)
Where you get the most profit
- Ann Taylor purchases
- Gas
- Groceries
- All other purchases
- Into bonus
Ann Taylor purchases
$60
Gas
$24
Groceries
$24
All other purchases
$12
Into bonus
$20.15
Total
$140
Annual fee
$0
Net yearly credit card profit
$140.15
You will receive 12,000 points in the rest years (equivalent to $120)
Where you get the most profit
- Ann Taylor purchases
- Gas
- Groceries
- All other purchases
Ann Taylor purchases
$60
Gas
$24
Groceries
$24
All other purchases
$12
Total
$120
Annual fee
$0
Net yearly credit card profit
$120
All benefits
- Points
- 5x For Ann Taylor purchases.
- 2x For gas & groceries.
- 1x For everything else.
Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 35.24% Variable
- Intro Balance Transfer APR
- None
- Balance Transfers APR
- 26.99%
- APR for Cash Advances
- 35.24% Variable
- How to Avoid Paying Interest
- Your due date is at least 25 days after the close of each billing period. You will not be charged interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on balance transfers and cash advances on the transaction date.
Fees
- Annual Fee
- $0
- Fees for Balance Transfer
- Either $10 or 5% of the amount of each transfer, whichever is greater
- Fees for Cash Advances
- Either $10 or 3% of the amount of each cash advance, whichever is greater
- Return Payment
- Up to $25
- Late Payment
- Up to $41
Pros & Cons
Pros:
- No Annual Fee
- Generous rewards
Cons:
- Foreign Transaction Fee
- High APR
Features
- No Annual Fee
- Payment Flexibility
- Rewards
- Bonus points
- Good Credit
- Excellent Credit
About the issuer
Comenity Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
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Comenity Bank Ann Taylor Mastercard® is an option for those, who need Classic features. With an APR of 35.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Comenity Bank Ann Taylor Mastercard® you will get such features as No Annual Fee, Payment Flexibility, Rewards, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.
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