Ann Taylor Mastercard® Credit Card
MastercardIssued by Comenity Bank
Earn 5x points at Ann Taylor and LOFT, 2x points on gas and groceries, and 1x points on everything else.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
35.99% – 35.99%
Rate based on creditworthiness and prime rate.
SIGN-UP BONUS
20
Get 20% off your first day's qualifying purchase and earn a $20 reward after your first purchase. Plus, earn an additional $20 reward when you make your first qualifying purchase outside of Ann Taylor brands within the first 60 days.
TOP POINTS
5 points per $1
Earn 5 StyleRewards points for every $1 spent at Ann Taylor, Ann Taylor Factory Store, anntaylor.com, LOFT, LOFT Outlet, and LOFT.com. (Every 500 points = $5 reward certificate).
Key Benefits
- Earn 5 points per $1 spent at Ann Taylor and LOFT brands
- 15% off the first Tuesday of every month at Ann Taylor brands
- Free standard shipping on brand purchases of $75 or more
- Birthday gift of a $15 or $20 reward certificate depending on VIP status
- Digital wallet compatibility with Apple Pay and Samsung Pay
Important Limitations
- Carrying a monthly balance due to the very high 35.99% APR
- International travel (3% foreign transaction fee applies)
- General travel rewards
Rewards Structure
Ann Taylor Brands Purchases
5 points per $1Annual limits
Unlimited (no annual cap)
Details
- Ann Taylor
- LOFT
Gas Purchases
2 points per $1Annual limits
Unlimited (no annual cap)
Details
Earn 2 points for every $1 spent on gas purchases (Mastercard only).
Grocery Store Purchases
2 points per $1Annual limits
Unlimited (no annual cap)
Details
Earn 2 points for every $1 spent on grocery store purchases (Mastercard only).
All
1 point per $1Annual limits
Unlimited (no annual cap)
Details
Earn 1 point for every $1 spent on all other purchases everywhere Mastercard is accepted.
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Ann Taylor Brands Purchases | 5 points per $1 | Unlimited (no annual cap) | • Ann Taylor • LOFT |
| Gas Purchases | 2 points per $1 | Unlimited (no annual cap) | Earn 2 points for every $1 spent on gas purchases (Mastercard only). |
| Grocery Store Purchases | 2 points per $1 | Unlimited (no annual cap) | Earn 2 points for every $1 spent on grocery store purchases (Mastercard only). |
| All | 1 point per $1 | Unlimited (no annual cap) | Earn 1 point for every $1 spent on all other purchases everywhere Mastercard is accepted. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
35.99% – 35.99%
CASH ADVANCE APR
35.99% – 35.99%
FOREIGN TRANSACTION FEE
3%
LATE PAYMENT FEE
$41
BALANCE TRANSFER FEE
$10 OR 5%
CASH ADVANCE FEE
$10 OR 3%
Card Protection & Benefits
15% Tuesdays
- ✓Get an extra 15% discount on qualifying purchases made at Ann Taylor brands on the first Tuesday of every month.
Birthday Gift
- ✓Receive a $15 Birthday Reward certificate. If you spend $500+ annually to achieve VIP status, the birthday reward increases to $20.
Security Features
- ✓Mastercard Zero Liability – Protection against unauthorized purchases made on your account.
Best Use Cases
IDEAL FOR
- Frequent shoppers at Ann Taylor, LOFT, and their outlet stores
- Earning easy $5 reward certificates for brand loyalty
- Taking advantage of the 15% off first Tuesday promotion
NOT RECOMMENDED FOR
- Carrying a monthly balance due to the very high 35.99% APR
- International travel (3% foreign transaction fee applies)
- General travel rewards
Maximize Your Rewards Strategy
Months 1–1: Hit the Bonus
- Spend $0.01 to unlock $20.00 bonus
- Effective 200000% return on first $0.01
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Points
- 5 points per $1 on Ann Taylor Brands Purchases
- 2 points per $1 on Gas Purchases
- 2 points per $1 on Grocery Store Purchases
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem points at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-888-292-5707
Terms subject to change · View full terms
Last updated: Mar 13, 2026
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