The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

The Ann Taylor credit card program includes two credit cards: Ann Taylor Credit Card and Ann Taylor Mastercard® Credit Card. Both cards allow cardholders to earn rewards for Ann Taylor purchases only and provide member-only shopping benefits, like extra an 15% off your entire purchase every first Tuesday, a birthday gift, and free standard shipping.

However, like with most store credit cards, Ann Taylor credit cards come with high APRs and if you carry a balance on the card, your debt will grow fast. Another disadvantage is that you cannot choose which card to apply for - a single application considers you for both the Mastercard and the store-only card. If you are approved for the store-only credit card, this card can be used at Ann Taylor, LOFT, Ann Taylor Factory, and LOFT Outlet locations only. So if you don't shop often at Ann Taylor and LOFT, you won't benefit much from having a store credit card.

The Ann Taylor credit card can be worth it if you shop at Ann Taylor regularly and have good credit habits (pay off your balances each month in full and never late with your payments). Otherwise, you may benefit more from having a regular rewards credit card. Such cards can be used anywhere credit cards are accepted as a method of payment and allow you to earn rewards on all card purchases.

Furthermore, if your credit is good enough, you may qualify for a credit card with 0% intro APRs or for a card with a welcome bonus, or even both. These cards are especially great for big purchases.

tags : Cash Back Credit Card Benefits Store Cards

Disclaimer: This editorial content is not provided or commissioned by the banks or credit card issuer(s). Opinions expressed here are the author's alone, not those of the banks or credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the banks or credit card issuer(s). Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult with the issuing bank of the card or account for terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.