WalletHub Rating
4.0/5
Ann Taylor Credit Card has a rating of 4.0/5 according to our proprietary credit card rating system. This rating reflects how appealing Ann Taylor Credit 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 Credit Card earned a score of 5.0/5 for Fees, 3.9/5 for Rewards, 4.2/5 for Cost, and 3.3/5 for User Reviews.Info about the Ann Taylor Credit 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
3.3/5
192 reviewsRead and write reviews
Market Comparison
Market Comparison
4.1
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
3.9
Cost
4.2
Other Features
0.0
4.1/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
35.24% (V)
Balance Transfer
APR: 26.99%
Balance Transfer Fee
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.
Earn a $20 reward to use at Ann Taylor family brands when you make a qualifying purchase within 60 days of account opening.
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.
Earn 2 points for every dollar spent on gas and grocery purchases and 1 point for every dollar spent on all other purchases.
Enjoy a $15 Birthday Gift. Achieve VIP status by spending $500 and receive a $20 Birthday bonus.
Free standard shipping on any site order with a minimum threshold of $75.
Ann Taylor Credit Card's Additional Info
Online account management.
show more
Learn More
at Comenity Capital's secure site
Ann Taylor Credit Card Pros & Cons
No membership fees
High rewards rate
up to $40 initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Requires good/excellent credit
Compare The Ann Taylor Credit Card vs. Popular Alternatives
 Ann Taylor Credit Card |  PlayStation® Visa® Credit Card |  |
|---|---|---|
4.0WalletHub Rating WalletHub Rating 4.0 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 "Earn Rewards (Store Cards)." 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 3.3 Market Comparison 4.1 fees: 5.0 rewards: 3.9 cost: 4.2 Other Features: 0.0 | 3.7WalletHub Rating WalletHub Rating 3.7 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 "Earn Rewards (Store Cards)." 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 4.7 User Reviews 3.2 Market Comparison 3.6 fees: 5.0 rewards: 3.8 cost: 3.3 Other Features: 0.0 | 3.3WalletHub Rating WalletHub Rating 3.3 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 "Earn Gas Rewards." 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 3.0 Market Comparison 3.4 fees: 3.8 rewards: 3.6 cost: 3.4 Other Features: 0.0 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
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 APR19.24%, 25.24% or 27.99% (V) | Regular APR21.24% - 29.24% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Ann Taylor Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
1
Upvote
How do I cancel my Ann Taylor Credit Card?
Reply
1
Brianne Larch, WalletHub Credit Card Analyst
@BrianneLarch
The easiest way to cancel an Ann Taylor Credit Card is by calling customer service at (888) 292-5707. Alternatively, you can cancel your credit card by mail.
Be aware that if there's a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. In addition, you will forfeit any unused points, so be sure to redeem them before you cancel the card. You will also need to update the payment method for any recurring charges linked to your Ann Taylor Credit Card.
How to Cancel an Ann Taylor Credit Card
- Over the phone Call customer service at (888) 292-5707 and enter your 16-digit card number to verify your identity. Then, follow the prompts to speak to a customer service representative, and let them know you want to cancel. The representative may offer you a retention bonus to keep you on as a customer, but you can simply decline the offer and proceed with canceling the account.
- By mail
Send your written request to cancel the card to:
Customer Care
Comenity Bank
PO Box 182273
Columbus, OH 43218-2273
It's important to know that when you cancel an Ann Taylor Credit Card, you may see a decrease in your credit score, depending on the card's credit limit and how long you've had the card. You can get an idea of how much a canceled credit card will affect your credit score by using WalletHub's free credit score simulator.
6
Upvotes
How can I redeem my Ann Taylor Credit Card rewards?
Reply
6
1
WalletHub
@WalletHub
You can redeem your Ann Taylor Credit Card by logging into your online account here.
You will be able to use your rewards at Ann Taylor, anntaylor.com, LOFT and loft.com. Please keep in mind that your rewards cannot be used at Ann Taylor Factory Store, LOFT Outlet, Lou & Grey or louandgrey.com.
8
3
2
Upvotes
Can I use my Ann Taylor Credit Card anywhere?
Reply
2
Anthony Rosario
@antyan
The Ann Taylor Credit Card cand be used anywhere. It's a Mastercard and those are accepted pretty much anywhere they take plastic, both in the U.S. and abroad.
1
1
Upvote
What's the Ann Taylor Credit Card credit score requirement?
Reply
1
1
Frieda Reiss, WalletHub Credit Card Analyst
@freiss
You need a credit score of at least 700 to be approved for the Ann Taylor Credit Card.
In addition to that, a credit utilization lower than 30% is ideal, but the issuer will take a lot of factors into account.
1
1
Upvote
How do I claim my Ann Taylor credit card birthday rewards?
Reply
1
Max Smith
@maxwell_smith
You can redeem your Ann Taylor credit card birthday gift at any Ann Taylor store, or online at www.anntaylor.com. Keep in mind, you'll only receive it if your account is still active and in good standing.
1
1
Upvote
What is the Ann Taylor credit card monthly finance charge for?
Paul Kessler, WalletHub Credit Card Analyst
@p.kessler
The monthly finance charge on your Ann Taylor card statement is the actual cost of credit: interest, cash transaction fees, late fees, and any additional charges that may be included under the terms of your contract.
You should be able to completely avoid the monthly finance charge by paying off your credit card balance each month.
Upvotes
How can I check my Ann Taylor Credit Card balance?
Reply
John Miller, Credit Cards Moderator
@john_miller
You can check your Ann Taylor Credit Card balance through your online account or you can call customer service at (888) 292-5707.
If you're an Ann Taylor Store Card owner instead, then you can also check your account balance through your online account or by calling the customer support line at (866) 730-7902.
It's a good idea to keep an eye on your Ann Taylor Credit Card balance. If your balance seems higher than it should be, take a moment to look over your recent transactions...
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Ann Taylor Credit Card Reviews
Share your insights and review for the Ann Taylor Credit Card
5
11%
4
40%
3
30%
2
6%
1
13%
3.3
192 reviews
192 reviews
What's Your Rating?
Most Recent
RB Berry
@phenney001
1 Star Rating
I've been a loyal Ann Taylor customer for many years, but I will not use my Ann Taylor Mastercard again. I used to enjoy a lower APR since I've had the credit card for years, but I noticed in late 2023 they increased my APR to 30.24%. My FICO score is above 800, but these folks don't care about loyalty or an excellent credit rating. Greed is all they seem to care about, so I no longer use the card or shop at their stores. They can keep their 30.24% APR.
Comment
lisa
@jerzeegrl63
1 Star Rating
I've held a loft credit card for over 10 years about 6 months ago they raised my credit line but then last month lowered it because I had a slight decrease in my credit score which the next month was corrected...
these credit card companies will research your credit every month and at any time during the month they will reduce your line of credit without even caring what it may do to your credit score .. since they don't respect me or want my business I canceled my card and while that may hurt my credit for a short time I'll save a ton of money and never shop with Loft again
Comment
1
Darrelyn
@tapestry117
2 Star Rating
If you try to pay your credit card in the store, you MUST use another credit card. A debit card is not good enough, nor do they accept checks. I’d you pay by mail you check will go through your bank 12 days later. Whoever makes these rules obviously has not had to deal with them!
Comment
olsonjessi
@olsonjessi
1 Star Rating
Terrible web site and bad customer service. It took two or three months to be able to set up my account online, than when I did the next month I could not even get in and it would not let me reset my password, terrible account management online access.
Comment
1
Lynn
@lynn_renee
5 Star Rating
Good store and card for purchasing business and casual attire in one spot. Customer service is excellent. The interest rate could be lower, but is standard for retail cards.
Comment
Sandra K
@skglenn917
1 Star Rating
My Loft CREDIT CARD ACCOUNT IS ALWAYS CURRENT & IN GOOD STANDING! Still, I receive notices "Your account needs attention..." email from the Comenity Payment Solutions Team suggesting "use some of your tax refund to pay your account..."both the Loft Account Center Website and Comenity's EasyPay option are inaccessible, inoperable, and ineffectual for client account management.
Although I have contacted Loft Customer Care far too many times, my efforts to resolve the online access to my account were futile and requests for paper statements were unsuccessful. I cannot access my statements for accuracy and charges.
Even more, the emailed links provided by the customer care agents, perhaps, through no fault of their own, garnered the same results as did my direct login attempts. I have been an Ann Taylor & Loft client for many years, but I am disappointed with the lack of transparency and utter disregard for potential negative consequences I may be subjected to for these business practices.
Comment
1
Doris
@dorisc_52
5 Star Rating
T this is the best place to shop I can always find things that I can wear no matter what the styles are phenomenal and the help that's in this particular store in Omaha Nebraska they are fantastic always willing to help give you a good look at how the things fit with you I really enjoy this card
Comment
lakshmicn
@lakshmicn
1 Star Rating
Please do not go for Ann Taylor Credit Card. They have very poor customer service. Even if you miss a payment by a day they would charge late fees and would not even waive it off as a courtesy. You are better off just using another credit card to purchase from Ann Taylor. Their rewards isnt worth the effort.
Comment
Debra
@debrag_72
1 Star Rating
Not good bill is paid in full and you’ve not reported it as paid in full!!! I need this fixed ASAP It’s hard enough paying the bill off and you not hold up your end by report pay offs..
Comment
Bobbie J Woods
@woodsbobbie70
2 Star Rating
I like pretty much all the clothes but like I said it's more of a business clothing store then for casual but all in all not too bad at the store very quick shipping what I like a lot
Comment
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* The information about the following cards has been independently collected by WalletHub: Loft Credit Card, Talbots Credit Card, Banana Republic Store Card, GAP Credit Card, Ann Taylor Credit Card, and Ann Taylor Store Card.
