Ann Taylor Credit Card

BreadFinance Pending

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11

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: ann-taylor-credit-card

Issuer: BreadFinance

Card Name: Ann Taylor Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:03

Last Scraped: Feb 11, 2026 05:55

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Ann Taylor and LOFT Purchases 5x Points Purchases made at Ann Taylor and LOFT stores, anntaylor.com, loft.com, and Ann Taylor Factory and LOFT Outlet stores. No Cap
All Other Purchases 2x Points Purchases made with your Ann Taylor Credit Card outside of Ann Taylor and LOFT stores, anntaylor.com, loft.com, and Ann Taylor Factory and LOFT Outlet stores. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 11 Total
PENDING
Lifestyle 4
Birthday Offer
Special offer

Ann Taylor Credit Cardmembers receive a special promotional offer during their birthday month. Specific offer details may vary.

Preferred Cardmember Double Birthday Offer
Double birthday offer

Preferred Cardmembers receive an enhanced (double) birthday offer compared to standard cardmembers. Specific offer details may vary.

Preferred Cardmember Event Access
Exclusive event access

Preferred Cardmembers gain exclusive access to special events.

Preferred Cardmember Dedicated Customer Service
Dedicated customer service

Preferred Cardmembers have access to a dedicated customer service line for expedited support.

Shopping 6
Rewards Earning Rate
5 points per $1 spent

Earn 5 points for every $1 spent on purchases at Ann Taylor, LOFT, Lou & Grey, Ann Taylor Factory, and LOFT Outlet stores and online when using your Ann Taylor Credit Card.

Rewards Redemption
$20 reward for 2,000 points

Receive a $20 reward certificate for every 2,000 points accumulated through your Ann Taylor Credit Card purchases.

First Purchase Discount
15% off first purchase

Get 15% off your initial purchase made with the Ann Taylor Credit Card on the day you open the account.

Exclusive Cardmember Offers
Exclusive offers

Access to special promotions and discounts available only to Ann Taylor Credit Cardholders.

Free Standard Shipping
Free standard shipping

Cardmembers receive free standard shipping on all purchases made at Ann Taylor, LOFT, Lou & Grey, Ann Taylor Factory, and LOFT Outlet stores and online when using their Ann Taylor Credit Card.

Preferred Cardmember Anniversary Discount
20% off a purchase

Preferred Cardmembers receive a 20% discount on one purchase during their Preferred Cardmember anniversary month.

Status Benefits 1
Preferred Cardmember Status Qualification
$500 annual spend for status

Achieve Preferred Cardmember status by spending $500 or more in a calendar year at Ann Taylor, LOFT, Lou & Grey, Ann Taylor Factory, and LOFT Outlet stores and online with your Ann Taylor Credit Card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your Account from the purchase date if the promotional balance is not paid in full within 6 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The Ann Taylor Credit Card, issued by BreadFinance, typically offers an initial bonus of 15-20% off the first purchase made with the card. Ongoing rewards usually include 5 points per dollar spent at Ann Taylor and LOFT stores, and 1 point per dollar on all other eligible purchases, redeemable for store credit. Eligibility requirements for 2026 include being at least 18 years of age, possessing a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), being a U.S. resident with a verifiable mailing address, and meeting BreadFinance's creditworthiness criteria upon application. Approval is subject to a credit check and assessment of the applicant's ability to pay.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for primary bonus (immediate discount); typically 3 months for any spend-based points bonus.

Shutdown Risk Triggers: Manufactured spending (if applicable to points system), high cumulative credit limit across all BreadFinance accounts relative to income, extended periods of card inactivity, late or missed payments on any BreadFinance account, abuse of promotional offers or return policies, opening multiple BreadFinance accounts in a short timeframe (app-o-rama behavior), and significant negative changes to credit profile (e.g., bankruptcy, charge-offs).

Cliff Effect Rules: BreadFinance generally issues distinct store cards for different retail brands. There are typically no 'cliff effect' rules preventing bonuses across different store brands (e.g., holding an Ann Taylor card does not preclude eligibility for a LOFT card bonus). However, the issuer does consider total credit exposure across all accounts held with BreadFinance when evaluating new applications or credit limit increases, which can act as a soft limit on the number of cards or total credit extended.

Special Events: Exclusive cardholder-only sales events, early access to major seasonal sales, double or triple points days on Ann Taylor and LOFT purchases, birthday discounts, and anniversary rewards for loyal cardholders.

Holiday Promos: Major retail holidays such as Black Friday/Cyber Monday (late November), Christmas/New Year (December-January), and seasonal sales periods (e.g., Spring: March-April, Summer: June-July, Fall: September-October). Specific U.S. holidays like Memorial Day (May) and Labor Day (September) also frequently feature cardholder promotions.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for brand loyalists, exclusive discounts and promotions at Ann Taylor, helps build credit for some users.

Top Negative:
High annual percentage rates (APRs), limited use outside of Ann Taylor stores, customer service issues reported, frequent credit limit increases without request.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Target RedCard
  • Capital One Platinum Credit Card
  • Discover it Secured Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0