Ann Taylor Mastercard®

Synchrony Mastercard Pending

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14

Benefits

4

Reward Categories

5x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: ann-taylor-mastercard

Issuer: Synchrony

Card Name: Ann Taylor Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 14:36

Last Scraped: Feb 16, 2026 14:38

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers benefits under the Servicemembers Civil Relief Act (SCRA) for active duty military personnel and their families, which may include reduced interest rates on pre-service obligations and other financial relief.

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Ann Taylor & LOFT Purchases 5x Points Purchases made at Ann Taylor and LOFT stores or online. No Cap
Gas 2x Points Purchases made at gas stations. No Cap
Groceries 2x Points Purchases made at grocery stores. No Cap
All Other Purchases 1x Points All eligible purchases made everywhere else Mastercard is accepted. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: Ann Taylor, LOFT, Lou & Grey, and Ann Taylor Factory stores and websites

Quarterly Rotating: No

Expiration Policy: Points expire 12 months from the date they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption of 1,000 points for a $10 Reward. Reward certificates typically expire 45-90 days after issuance and may have additional restrictions.

Benefits & Protections (Detailed) 14 Total
PENDING
Lifestyle 1
Birthday Offer
Special offer

Receive a special promotional offer during your birthday month.

Shopping 8
Ann Taylor Brand Purchase Rewards
5 points per $1

Earn 5 rewards points for every $1 spent on purchases made at Ann Taylor, LOFT, Lou & Grey, Ann Taylor Factory, and LOFT Outlet stores and online.

Rewards Redemption
$20 reward for 2,000 points

Redeem 2,000 accumulated rewards points for a $20 reward certificate.

First Purchase Discount
15% off first purchase

Receive a 15% discount on your first purchase made with the Ann Taylor Mastercard upon account opening.

Exclusive Cardmember Offers
Varies

Access to exclusive discounts and promotions available only to Ann Taylor Mastercard cardmembers.

Early Access to Sales
Early access

Gain early access to sales events at Ann Taylor, LOFT, Lou & Grey, Ann Taylor Factory, and LOFT Outlet.

Free Standard Shipping
Free standard shipping

Receive free standard shipping on all purchases made at Ann Taylor, LOFT, Lou & Grey, Ann Taylor Factory, and LOFT Outlet when using the Ann Taylor Mastercard.

Gas & Grocery Purchase Rewards
2 points per $1

Earn 2 rewards points for every $1 spent on eligible gas and grocery purchases.

Everywhere Else Purchase Rewards
1 point per $1

Earn 1 rewards point for every $1 spent on all other purchases where Mastercard is accepted.

Status Benefits 5
VIP Status Eligibility
Spend $750 annually

Achieve Ann Taylor Mastercard VIP status by spending $750 or more in a calendar year at Ann Taylor, LOFT, Lou & Grey, Ann Taylor Factory, and LOFT Outlet.

VIP Birthday Offer
20% off for birthday month

Ann Taylor Mastercard VIPs receive an enhanced 20% discount during their birthday month.

VIP Triple Points Events
Triple points

Ann Taylor Mastercard VIPs receive access to special events where they can earn triple rewards points on purchases.

VIP Anniversary Gift
Special gift

Ann Taylor Mastercard VIPs receive a special anniversary gift.

Exclusive VIP Offers
Varies

Ann Taylor Mastercard VIPs receive access to exclusive discounts and promotions.

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
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
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: 32.24% - 32.24%

Cash Advance APR: 32.24%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 780
Good
Supported
Application Process
Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: For 2026, the Ann Taylor Mastercard from Synchrony is projected to offer new cardholders a sign-up bonus such as 20% off their first purchase made outside of Ann Taylor/LOFT within 30 days, plus an introductory bonus points offer (e.g., 5,000 bonus points) after spending $500 on non-Ann Taylor/LOFT purchases within the first 90 days. Ongoing benefits are expected to include 5x points on Ann Taylor/LOFT purchases, 2x points on gas and groceries, and 1x point on all other purchases. Eligibility requirements include being 18 years or older, a US resident, and possessing a good to excellent credit history. Approval is subject to Synchrony Bank's credit underwriting standards, which evaluate credit score, income, and existing credit obligations. Most Synchrony co-branded store cards, including the Ann Taylor Mastercard, typically include a foreign transaction fee (often 3%), making it less ideal for international use.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, sudden uncharacteristic spending patterns, high credit utilization across Synchrony accounts, defaulting on payments, rapid application for multiple Synchrony cards, suspected fraud, or exceeding Synchrony's internal cumulative credit limit thresholds.

Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' rules like some prime issuers. However, opening multiple Synchrony accounts in a short period or accumulating a high total credit limit across all Synchrony cards can lead to denials for new applications or credit limit reductions on existing accounts due to overall credit exposure concerns.

Special Events: Expect exclusive cardholder events, early access to sales, bonus points days (e.g., 10x points on specific categories or dates), birthday rewards, and special discounts during seasonal promotions at Ann Taylor and LOFT stores and online.

Holiday Promos: Key promotional periods include Black Friday, Cyber Monday, Friends & Family events, seasonal clearance sales (e.g., End-of-Season, Summer, Winter), and major holiday shopping periods (e.g., Valentine's Day, Mother's Day, Christmas).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Strong rewards for loyal Ann Taylor, LOFT, and Lou & Grey shoppers, including birthday rewards and free shipping. Initial discount is a good incentive.

Top Negative:
High interest rates, limited value for spending outside of Ann Taylor brands, potential for customer service issues.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • LOFT Mastercard
  • Gap Good Rewards Mastercard
  • Amazon Prime Rewards Visa Signature Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 0123