Ann Taylor Mastercard® Credit Card

BreadFinance Mastercard Pending

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5

Benefits

3

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: ann-taylor-mastercard-credit-card

Issuer: BreadFinance

Card Name: Ann Taylor Mastercard® Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 11, 2026 10:50

Last Scraped: Feb 11, 2026 10:52

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Information about benefits and protections available to Servicemembers and their dependents under the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA) is available by calling 1-800-252-2551.

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Ann Taylor Brand Purchases 5x Points Purchases made at Ann Taylor, LOFT, Lou & Grey, Ann Taylor Factory, and LOFT Outlet stores and websites. No Cap
Gas & Groceries 2x Points Purchases made at gas stations and grocery stores. No Cap
All Other Purchases 1x Points All other purchases made where Mastercard is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Lifestyle 1
Birthday Gift
$15

Receive a $15 gift during your birthday month as an Ann Taylor Mastercard cardholder.

Shopping 4
Ann Taylor & LOFT Rewards Points
2 points per $1

Earn 2 rewards points for every $1 spent on purchases at Ann Taylor and LOFT stores and online when using your Ann Taylor Mastercard.

Everyday Rewards Points
1 point per $1

Earn 1 reward point for every $1 spent on purchases made everywhere else Mastercard is accepted.

Exclusive Cardmember Offers
Varies

Access to special discounts and promotions available only to Ann Taylor Mastercard cardholders.

Free Standard Shipping
Free standard shipping

Enjoy complimentary standard shipping on all purchases made at Ann Taylor and LOFT when using your Ann Taylor Mastercard.

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: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Ann Taylor Mastercard typically requires applicants to be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a good to excellent credit history. Application is subject to BreadFinance's credit approval process. While specific 2026 bonus rules are not yet public, historically, this card offers an initial discount on the first Ann Taylor purchase (e.g., 15-20% off) upon account opening. Ongoing rewards usually include accelerated points earnings at Ann Taylor and its sister brands (e.g., LOFT), with lower earning rates on everyday purchases (e.g., gas, groceries, dining) and general spending. Points accumulate and are typically converted into reward certificates for use at Ann Taylor stores or online. There are generally no complex spend-based sign-up bonuses requiring a minimum spend interval beyond the initial purchase discount.

Max Cards Per Issuer: 2

Min Spend Interval: N/A for typical spend bonus; initial discount usually applies to first purchase.

Shutdown Risk Triggers: Manufactured spending, bust-out behavior, high cumulative credit limit across multiple BreadFinance (Comenity) accounts, non-payment or frequent late payments, excessive credit seeking (numerous applications in a short period), sudden drastic changes in spending patterns inconsistent with historical behavior, suspected fraudulent activity, or violation of cardholder agreement terms.

Cliff Effect Rules: Generally not applicable for standalone co-branded store cards. Rewards and benefits are typically tied directly to the Ann Taylor Mastercard program and do not interact with or impact other BreadFinance card families or programs.

Special Events: Ann Taylor specific events such as Friends & Family sales, seasonal collection launches, VIP shopping events, anniversary sales, end-of-season clearances, and exclusive cardholder-only promotions.

Holiday Promos: Standard retail holiday periods including Black Friday, Cyber Monday, Christmas/Holiday Season, Mother's Day, Memorial Day, Labor Day, and 4th of July sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Good rewards for Ann Taylor purchases, exclusive discounts, and relatively easy approval for loyal customers.

Top Negative:
High interest rates, limited rewards outside Ann Taylor, and frequent complaints about Comenity's customer service and online portal.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Gap Visa Card
  • Amazon Prime Rewards Visa Signature Card
  • Chase Freedom Unlimited

Card Value Score: 65.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2023-10