WalletHub Rating
3.5/5
Ann Taylor Store Card has a rating of 3.5/5 according to our proprietary credit card rating system. This rating reflects how appealing Ann Taylor Store Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Ann Taylor Store Card earned a score of 5.0/5 for Fees, 3.3/5 for Rewards, 3.4/5 for Cost, and 3.5/5 for User Reviews.Info about the Ann Taylor Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.5/5
154 reviewsRead and write reviews
Market Comparison
Market Comparison
3.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.3
Cost
3.4
Other Features
0.0
3.5/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
35.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Receive $20 off your first qualifying purchase when you open & immediately use your Card at Ann Taylor. Exclusions Apply. Minimum $20.01 online purchase.
Enjoy an extra 15% off the first Tuesday of every month at Ann Taylor brands.
Earn 5 Perfect Rewards points for every dollar spent at Ann Taylor, Ann Taylor Factory Store, anntaylor.com, LOFT, LOFT Outlet and LOFT.com.
Receive a $10 Rewards card for every 1000 points earned.
Enjoy a $15 Birthday Gift. Achieve VIP status by spending $500 and receive a $20 Birthday bonus.
Free standard shipping on qualifying purchases of at least $75. Excludes HI, AK & PR.
Ann Taylor Store Card's Additional Info
•
Get a mobile version of your card. Easily pay your bill, track and redeem rewards points though the Ann Taylor mobile App.
show more
Learn More
at Comenity Capital's secure site
Editor's ReviewFact checked
Fact checked
Fact Checked by Alina Comoreanu
Senior Researcher
Ann Taylor Store Card Pros & Cons
No membership fees
High rewards rate
$20 discount initial rewards bonus
Qualify with fair credit
High regular APR
Compare The Ann Taylor Store Card vs. Popular Alternatives
 Ann Taylor Store Card |  First Tech Choice Rewards World Mastercard® |  Capital One Walmart Rewards® Mastercard® |
|---|---|---|
3.5WalletHub Rating WalletHub Rating 3.5 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. User Reviews 3.5 Market Comparison 3.5 fees: 5.0 rewards: 3.3 cost: 3.4 Other Features: 0.0 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 3.2 Market Comparison 3.5 fees: 5.0 rewards: 0.0 cost: 3.4 APR: 3.5 Other Features: 5.0 | 4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 3.3 Market Comparison 4.3 fees: 5.0 rewards: 0.0 cost: 5.0 Other Features: 4.5 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer$20 discount | bonus offer20,000 points | bonus offerNone |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR35.24% (V) | Regular APR13.50% - 18.00% (V) | Regular APR18.99% or 29.99% (Variable) |
Apply Now | Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Ann Taylor Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
How do I cancel my Ann Taylor Store Card?
8
Upvotes
Reply
8
Barry Keefe
@barryk33f3
You can cancel your Ann Taylor card issued by Comenity Bank by calling 1-866-730-7902 and asking.
It's always a good idea to think about whether canceling is a wise move, especially since this card that doesn't have an annual fee.
A canceled credit card will increase your credit utilization and reduce your average account age, and thus may affect your credit score.
1
Can I use my Ann Taylor Store Card anywhere?
1
Upvote
Reply
1
John Miller, Credit Cards Moderator
@john_miller
No, you cannot use your Ann Taylor Store Card card everywhere you want. The card is not backed by any major credit card network and only works at Ann Taylor and Loft.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Ann Taylor Store Card card offers account holders 5 points per $1 spent on purchases and has a $0 annual fee of. This can make the card a good option for people...
show more
People Also Apply For
First Tech Choice Rewards World Mastercard®
Capital One Walmart Rewards® Mastercard®
Mission Lane Visa® Credit Card
Avant Credit Card
Milestone® Mastercard®
Capital One QuicksilverOne Cash Rewards Credit Card
Surge® Platinum Mastercard®
Other Ann Taylor Cards
Ann Taylor Credit Card
Related Credit Card Categories
Ann Taylor Store Card is related to the following categories:
Travel Rewards Credit CardsPoints Credit Cards
Ann Taylor Store Card Reviews
Share your insights and review for the Ann Taylor Store Card
5
12%
4
50%
3
29%
2
3%
1
6%
3.5
154 reviews
154 reviews
What's Your Rating?
Most Recent
Reyhane Bassamtabar
@r_basam
1 Star Rating
Although I had proof that never received their statement, they never approved deleting the late payment that was their fault that I'd never received the statement. I had never missed a payment before.
I had a very frustrating experience with them.
Comment
Lisa Carlisle
@lmosscarlisle_5
1 Star Rating
I sent my payment for 4/6 on 3/31 and because of mail delay it posted 4/8, never having a late payment before and in a pandemic they were unable to remove interest. Paid balance in full and now have another charge for residual interest. Cancelled my card. I will let others know of their lack of compassion. This card is NOT worth the hassle and stress.
Comment
1
1
gomez_stephanied
@gomez_stephanied
3 Star Rating
Even when you pay on time and in full, the payment isn't posted until after a late fee is posted. I was paying more in late fees than items purchased. I originally cancelled the card and submitted a one star review but I am editing to add 2 additional stars thanks to Ryan from their customer service department.
Comment
ccbrixey
@ccbrixey
1 Star Rating
Every single time I paid this card, they posted my payment 4 days after the due date, despite my mailing it 6 days early. I received a late fee every time I used the card. NOT WORTH IT. Even when you pay on time, they make sure they recoup their discounts in fees. When they mailed me ANYTHING, it took no less than 20 days for me to receive it. I don't know if they are using pony express, but they did offer to FAX me a confirmation of my account closing...
Comment
aashka shah
@aisha
2 Star Rating
You pay more on one missed late fee than all the perks from discounts. Just cancelled it.
Comment
Rajlaxmi Ravala
@rajlaxmir
3 Star Rating
I came across Ann Taylor to shop and found that they offer cash back 10% on every purchase if we enroll for a store card.Tempted by the offer I registered for a store card and the application process and processing is quite simple and fast. As I always prefer to shop in Ann Taylor for latest and trendy wardrobes, the card best suits for my needs.The interest rate is moderately high as compared to others but it is easy to pay on a monthly basis. The card always comes with good deals and offers.
Comment
2
1
Julie Burkett Jones
@julieburkettj
5 Star Rating
I love Ann Taylor because I am short and have to wear a petite sized clothing. I love the Ann Taylor clothing line; the clothes are fashionable, original. Additionally, they are appropriate for work, vacation, special events, depending on what you are looking for. Ann Taylor also carries an excellent line of accessories. There are often flash sales that you are emailed about (once or twice a week) so never buy anything full priced and always check your emails! This card offers a lot of rewards but you must pay it off because interest rates are high. You can pay your bill online as well.
Comment
1
1
Shaw Manufacturing
@shaw.manufacturing
5 Star Rating
I currently have the Ann Taylor store credit card. I have been a cardholder for over 10 years. I love the perks that come with the card - I get weekly e-mails with discount coupon codes, sometimes for 50% off your entire purchase!! You also get rewards mailed to you that you can use towards your next purchase... i.e. $10 off, $20 off, etc. The interest rate is a little high so I try and pay it off every month. I will probably have this card forever, can't beat their rewards!! :)
Comment
Sara Perugini
@shegetsfierce
5 Star Rating
Ever since I was 16 years old I wanted this credit card. I loved their styles, their quality, their brand and what it stands for. The APR is high (.24%) but that is typical for a store credit card. I picked Ann Taylor over Loft because the points per dollar is higher than Loft. You earn 5 points per dollar unlike Loft where you only earn 1 point per dollar. Multiple times have I earned a $20 gift card for every 2,000 points redeemed. Many years in a room have I gotten a $15 dollar birthday gift card. Ann Taylor gives back not just to credit customers, but also to students also. Sometimes they will have private sales called 'friends and family'. Even though they are a prestigious women's clothing store, they still have sales in store and online. The more money you invest in their brand, the more you get back. I find this credit card worth every penny if you are a frequent shopper. Remember, if you don't have a card yet, apply for it to receive an introductory discount of 15% off with whatever promotion is running as well. Save as much money as you can as long as you know for a fact you will be approved for the card.
Comment
1
John S Dunning
@johnsdunning
5 Star Rating
I came across Ann Taylor while I was on vacation. I went in with my wife and found several things we were going to buy. While checking out they offered a 15% discount if we opened a card account. So I applied right there at the checkout. It was easy to apply and within seconds I was approved. We charged our items and paid the balance in full when we got the first statement. We still use the card when we are near an Ann Taylor. It has a fair interest rate, and has an easy to make monthly payment. I have never had a moment of trouble from my Ann Taylor card. I highly recommend this card.
Comment
Review Ann Taylor Store Card
WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Ann Taylor Credit Card and Ann Taylor Store Card
Ann Taylor Store Card
Credit Cards
>
Comenity Capital
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsem*nt of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
