Shopping at Maurices regularly means you've probably considered signing up for the store label plastic at checkout. Issued through Comenity Bank (now part of Bread Financial), the maurices credit card targets loyal shoppers looking for instant discounts and ongoing perks. It's a closed-loop store card, meaning you can only use it at Maurices locations and on their official website. If you buy clothes there often, the savings add up quickly, but high interest rates require careful balance management.
Deciding whether to submit an application depends on how much you spend and whether you pay your balance in full each month. Store cards carry notoriously high APRs, and this one is no exception, hovering well above standard general-purpose credit cards. Let's break down the actual benefits, application requirements, and hidden costs so you can decide if it belongs in your wallet.
Maurices Credit Card Benefits and Rewards Breakdown
The core appeal of the card lies in its immediate purchase discount and ongoing stackable savings. Cardholders gain access to specific perks that standard loyalty members don't receive automatically.
- Welcome Offer: You get 15% off your first purchase when you open and use the card on the same day.
- Everyday Discount: Cardmembers receive an extra 10% off purchases made both in-store and online.
- Free Shipping: Standard ground shipping is free on qualifying orders with no strict minimum purchase barrier once the card is linked.
- Bonus Points and Gifts: Cardholders earn double points on select events and receive enhanced birthday or anniversary bonus rewards compared to basic mRewards tier members.
These perks work well if you spend hundreds of dollars a year at the retailer. The 10% everyday discount applies to most merchandise, though you can't combine it with employee discounts.
Understanding the Costs and APR
Store cards make money when cardholders carry a balance, which makes understanding the financial terms critical. The variable annual percentage rate sits at a high tier, often reaching past 35%.
Carrying a balance from month to month will quickly erase any savings you earned from the 10% discount. Treating the card like a debit tool—charging only what you can afford to pay off when the bill arrives—keeps the math working in your favor. There is no annual fee, meaning keeping the account open doesn't cost anything as long as you avoid interest charges.
How to Apply for the Maurices Credit Card
Submitting an application takes just a few minutes online or at the register during checkout. You'll need to provide standard personal and financial details.
- Navigate to the Maurices Credit Card Info Page or open the official Bread Financial Comenity Portal.
- Click the apply button to launch the secure application form.
- Enter your full legal name, residential address, phone number, and email.
- Provide your annual income and housing payment details to help determine creditworthiness.
- Input your Social Security Number and date of birth for identity verification.
- Review the terms, conditions, and APR disclosures before submitting your electronic signature.
Comenity Bank will run a credit check, which typically involves a hard inquiry that temporarily dips your credit score by a few points. Approval decisions usually appear on your screen within seconds, though some applications require manual review lasting up to two weeks.
Managing Your Account and Making Payments
Once approved, managing your credit line happens through the online portal or the Bread Financial mobile app. You can view statements, track reward points, and set up autopay to avoid missed deadlines.
If you prefer paying offline, you can handle bills by calling customer care. The official support line operates Monday through Saturday to assist with account questions. Always verify payment posting times to avoid late fees, which can add up quickly on retail credit accounts.
Frequently Asked Questions
Can I use the Maurices credit card anywhere?
No. It is a store-branded card issued by Comenity Bank, meaning you can only use it for purchases at Maurices stores and on the official website.
What credit score do I need for approval?
Store cards generally accept fair to excellent credit profiles, typically starting around a 580 score, though approval also depends on your current debt-to-income ratio.
How do I redeem my reward points?
Points convert into reward certificates that you can apply toward future clothing purchases. You can track your accumulated balance digitally through your online dashboard or check your periodic email statements.
Does the card charge an annual fee?
No, the card features a zero-dollar annual fee, making it free to keep active as long as you pay your balance in full each billing cycle.
