Ann Taylor Credit Card

Synchrony Pending

Back Apply Now

5

Benefits

1

Reward Categories

5x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: ann-taylor-store-card

Issuer: Synchrony

Card Name: Ann Taylor Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 14:38

Last Scraped: Feb 16, 2026 14:40

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
Ann Taylor Family Brands 5x Points Purchases made at Ann Taylor, LOFT, Lou & Grey, Ann Taylor Factory, and LOFT Outlet stores and online. No Cap
Rewards Summary
PENDING

Reward Type: Store Credit

Bonus Rate: 5x

Categories: 5x Ann Taylor, LOFT, Lou & Grey, Ann Taylor Factory, and LOFT Outlet purchases

Quarterly Rotating: No

Expiration Policy: Points expire 12 months after they are earned. Reward Certificates expire 45 days after issuance.

Point Value: 0.01¢

Redemption Penalties: Reward Certificates cannot be reissued if lost or stolen, have no cash value, and may not be combined with certain offers. Minimum purchase may apply for redemption.

Benefits & Protections (Detailed) 5 Total
PENDING
Lifestyle 1
Birthday Gift
Special gift/offer

Ann Taylor Credit Card cardholders receive a special gift or offer during their birthday month.

Shopping 4
Rewards Points Earning (Ann Taylor & LOFT)
5 points per $1 spent

Earn 5 rewards points for every $1 spent on purchases made at Ann Taylor and LOFT with your Ann Taylor Credit Card.

Rewards Redemption
$20 reward for 2,000 points

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

Exclusive Cardmember Offers
Varies by offer

Access to special promotions, discounts, and sales available only to Ann Taylor Credit Card cardholders.

Free Standard Shipping
Free standard shipping

Receive free standard shipping on all purchases made at Ann Taylor and LOFT when using the 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
Year 1 Waived: No
Effective Annual Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Not specified
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Ann Taylor Store Card typically offers a first-purchase discount (e.g., 15-20% off) upon approval. Ongoing rewards include earning points per dollar spent at Ann Taylor, LOFT, and Lou & Grey brands, exclusive cardholder discounts, and a special birthday offer. Eligibility requirements for application include being at least 18 years old (19 in AL and NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and subject to credit approval by Synchrony Bank. A credit check will be performed.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for a sign-up bonus; first-purchase discount is immediate. Rewards accrue continuously with eligible purchases.

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts relative to income, excessive credit seeking (multiple applications in a short period), missed payments or high utilization on Synchrony accounts or other credit lines, suspicious activity, or significant negative changes in credit profile (e.g., bankruptcy).

Cliff Effect Rules: Not applicable; store cards generally do not have 'card family' rules or 'cliff effects' in the traditional sense of premium travel cards. Each store card is distinct.

Special Events: Exclusive cardholder sales, double/triple points events, birthday discounts, early access to promotions, and special financing offers during specific periods.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season, Mother's Day, Memorial Day, Labor Day, Back-to-School, and other major retail sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Exclusive discounts, birthday savings, and free shipping for loyal Ann Taylor and LOFT shoppers. Relatively easy approval process, good for building credit.

Top Negative:
High APR if balances are carried. Rewards are limited to Ann Taylor and LOFT purchases only, offering limited utility outside the brand. Customer service can be inconsistent.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • LOFT Credit Card
  • Gap Good Rewards Credit Card
  • Discover it Cash Back

Card Value Score: 65.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: January 2024