Ann Taylor Credit Card
Basic Information
Program ID: ann-taylor-credit-card
Issuer: BreadFinance
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:03
Last Scraped: 01/15/2026 10:38
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,924.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Get 20% off your first Ann Taylor Credit Card purchase. The discount is applied at the time of purchase.
Rewards Program
Reward Type: Ann Taylor ALL Rewards
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x on Ann Taylor, LOFT, Lou & Grey, and Ann Taylor Factory/LOFT Outlet purchases; 1x on all other eligible purchases where Visa is accepted.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after they are earned. Reward certificates typically expire 45-90 days after issuance.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 780
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Ann Taylor Credit Card, issued by BreadFinance, is a store-specific credit card primarily designed for loyal Ann Taylor shoppers. Eligibility typically requires applicants to be at least 18 years of age, a U.S. resident, possess a valid Social Security Number, and pass a creditworthiness assessment. While store cards can sometimes be more lenient than general-purpose credit cards, a reasonable credit history is generally expected. Bonus rules for 2026 are anticipated to follow the pattern of offering an initial discount on the first purchase (e.g., 15-20% off), ongoing discounts for cardholders (e.g., 5% back in rewards or specific percentage off purchases), and exclusive access to sales events. There are generally no complex 'spend X in Y months' type bonuses common with travel cards; benefits are usually immediate or tied to ongoing usage.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: Traditional spend-based bonuses are rare for store cards. If a promotional spend bonus were introduced, it would typically be a short interval, such as 'spend $X within 30-90 days of account opening' for a specific reward, rather than a long-term bonus requirement.
Shutdown Risk Triggers: Common triggers for account review or shutdown by BreadFinance include: consistent late payments, exceeding credit limits, high credit utilization across all credit lines (especially with BreadFinance), suspected fraudulent activity, bankruptcy filings, or a significant increase in overall credit exposure with the issuer relative to income. While manufactured spending is less common with store cards, any activity deemed abusive or outside normal consumer spending patterns could also be a trigger.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Exclusive discounts and rewards for Ann Taylor shoppers, easy approval process, special birthday offers, good for building credit.
Top Negative Feedback:
Very high APR, limited rewards outside Ann Taylor stores, poor customer service from Comenity/Bread Financial, potential for deferred interest traps on promotional financing.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Target RedCard
- Gap Good Rewards Credit Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $100.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023