Maurices Credit Card
Basic Information
Program ID: maurices-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:44
Last Scraped: 01/15/2026 10:16
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each 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
Purchase APR Range: 2,999.00% - 2,999.00%
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: $25.00
Spending Requirement: $100.00
Time Period: 90 days
Bonus Timing: Bonus rewards or statement credits are typically applied to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Maurices Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after issuance if not redeemed, or if account is inactive for 12 months.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: The maurices-credit-card, issued by BreadFinance, offers specific benefits and requires adherence to certain application and usage rules for 2026. **Application Eligibility (2026):** * Applicants must be at least 18 years of age (19 in Alabama and Nebraska). * Must possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). * A valid U.S. mailing address is required. * All applications are subject to BreadFinance's credit approval process. * Applicants typically cannot hold an existing maurices-credit-card account at the time of application. **Bonus & Rewards Rules (2026 Projections):** * **Initial Bonus:** New cardholders are projected to receive 15% off their first maurices purchase made with the card within 30 days of account opening. * **Ongoing Rewards:** Cardholders are expected to earn 2 points per $1 spent at maurices stores and maurices.com. Points are redeemable for maurices reward certificates (e.g., 1,000 points = $10 reward). * **Birthday Offer:** A special discount or bonus points offer is typically provided during the cardholder's birthday month.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 30 days (for initial bonus); 3 months (for potential tiered spend bonuses)
Shutdown Risk Triggers: Common triggers for account shutdown or adverse action include: missed or consistently late payments; high credit utilization across multiple BreadFinance accounts; suspected fraudulent activity or abuse of promotional offers; extended periods of account inactivity (e.g., 12-24 months); bankruptcy filings or significant negative changes in credit profile; or attempts to circumvent application rules.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.1 / 5.0
Top Positive Feedback:
Easy approval process, good for frequent Maurices shoppers, offers exclusive discounts and coupons, helps build credit history.
Top Negative Feedback:
High interest rates, poor customer service from Comenity/Bread Financial, rewards can be restrictive, limited use as a store-only card, frequent credit limit adjustments.
Approval Experience Score: 72.5 / 100
Recommended Alternatives
- Target RedCard
- Old Navy Credit Card
- Capital One Platinum Secured
Card Value Score: 60.0 / 100
Est. Annual Rewards: $65.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0