Ann Taylor Credit Card Program Review: Rewards, Fees & Benefits

Rewards

Reward TypePoints

Base Rate2x / 2%

Bonus RateUp to 5x

Point Value~0.01¢ each

Travel Portal1x

ExpirationPoints expire 12 months from the date they are earned. Rewards (certificates) expire 90 days from the date they are issued.

Redemption NotesRewards may not be applied to previous purchases, used as payment on a credit card account, or used for the purchase of gift cards. Rewards are not redeemable for cash or cash equivalent, not transferable, and may not be sold or assigned. Rewards may not be combined with any other discount or offer, except as specifically permitted. Not valid on third-party branded merchandise. Not valid at Ann Taylor, LOFT, Ann Taylor Factory, LOFT Outlet or Lou & Grey stores located outside of the U.S. and Puerto Rico.

Category	Rate	Type	Cap
Online Shopping Earn 5 points per $1 spent on qualifying purchases at Ann Taylor, LOFT, Ann Taylor Factory, or LOFT Outlet.	5x	Points	No cap
Gas Earn 2 Points for every $1.00 in Net Eligible Purchases made at gas stations.	2x	Points	No cap
Groceries Earn 2 Points for every $1.00 in Net Eligible Purchases made at grocery stores.	2x	Points	No cap
All Other Purchases Earn 1 Point for every $1.00 in Net Eligible Purchases made everywhere else Visa credit cards are accepted.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Birthday Offer Cardmembers receive a special offer during their birthday month.	Lifestyle	Special offer
Exclusive Cardmember Offers Access to exclusive sales, discounts, and promotions available only to Ann Taylor Credit Cardmembers.	Shopping	Exclusive offers
First Purchase Discount Receive 20% off your first purchase when you open and use your Ann Taylor Credit Card.	Shopping	20% off
Free Standard Shipping Enjoy free standard shipping on all online purchases made at Ann Taylor, LOFT, Lou & Grey, and Ann Taylor Factory when using your Ann Taylor Credit Card.	Shopping	Free standard shipping
Points Earning on Brand Purchases Earn 5 points for every $1 spent at Ann Taylor, LOFT, Lou & Grey, and Ann Taylor Factory stores and online when using the Ann Taylor Credit Card.	Shopping	5 points per $1
Reward Certificate Redemption Receive a $10 Reward Certificate for every 1,000 points earned through the Loves Rewards Program.	Shopping	$10 Reward per 1,000 points Up to $10

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: If the balance is not paid in full within 12 months, interest will be charged to your account from the purchase date at the standard APR for purchases.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Late Payment FeeUp to $41

Returned Payment FeeUp to $30

Approval & Eligibility

600 Recommended minimum FICO · Range 600–700

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Student EligibleYes

Co-ApplicantAllowed

Business EligibleNo

Credit Limit Range $300 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Amex cards, abuse of return policies, cycling credit limits, sudden drastic changes in spending patterns, failure to pay, excessive credit card applications across issuers, defaulting on payments, or suspected fraud.

Cliff Effect Rules

The Ann Taylor credit card, while co-branded, counts towards American Express's overall credit card limit (typically 4-5 credit cards). Bonus eligibility for this specific card is generally distinct from premium Amex cards, but overall Amex relationship and application velocity rules still apply.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Applicants must be at least 18 years old, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate good to excellent credit history. American Express enforces a 'one welcome bonus per card per lifetime' rule for the Ann Taylor credit card. Additionally, Amex applies a '2/90 rule', limiting approvals to a maximum of two credit cards within any 90-day period. The issuer also considers existing Amex card relationships and recent application activity.

Ann Taylor Credit Card Program