Bread Financial

maurices Credit Card

Store Standard

$0 Annual Fee

32.24% Variable Purchase APR

580+ Recommended FICO

Rewards

Category	Rate	Type	Cap
Rotating Categories Earn double points (2 points per $1) during exclusive monthly cardmember double point events.	2x	Points	No cap
Online Shopping Earn 1 point per $1 spent on qualifying purchases made at maurices.com.	1x	Points	No cap
All Other Purchases Earn 1 point per $1 spent on qualifying in-store purchases at maurices locations.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Birthday Discount Receive a special discount or offer during your birthday month as a Maurices Credit Cardholder.	Lifestyle	Varies (e.g., 20% off a single purchase)
Exclusive Cardholder Offers Access to special sales, promotions, and discounts available exclusively to Maurices Credit Cardholders throughout the year.	Shopping	Varies by promotion
First Purchase Discount New Maurices Credit Cardholders receive a discount on their first purchase made with the card.	Shopping	10% off first purchase
Free Standard Shipping Enjoy free standard shipping on online orders made with your Maurices Credit Card. This benefit may be subject to minimum purchase requirements or specific cardholder tiers.	Shopping	Free standard shipping on online orders
Reward Redemption Accumulated points are converted into reward certificates that can be redeemed for discounts on future Maurices purchases.	Shopping	$5 reward for every 100 points Up to $5
Rewards Points Earning Earn points for every dollar spent on purchases at Maurices stores and online using your Maurices Credit Card.	Shopping	2 points per $1 spent
Maurices VIP Status Achieve VIP status by meeting annual spending thresholds, unlocking enhanced benefits such as increased birthday offers, early access to sales, and more.	Status Benefits	Enhanced benefits for VIP members

Interest Rates

Purchase APR32.24% Variable

Cash Advance APR32.24%

Penalty APR29.99%

Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyEasy

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

AvailabilityPR

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 relative to reported income, rapid accumulation of new accounts, unusual spending patterns, breach of terms and conditions, and triggers leading to a financial review (FR).

Cliff Effect Rules

Not applicable, as this is assumed to be a standalone store card product and not part of a larger American Express card family with shared bonus eligibility restrictions.

International Friendly

May have limitations for international use.

Additional Issuer Rules

American Express enforces a 'one welcome bonus per card per lifetime' rule, meaning applicants are eligible for a welcome bonus on this specific card only once. Application approvals are subject to the '2/90 rule,' limiting new credit card approvals to a maximum of two within any 90-day period. Eligibility requirements typically include a good to excellent credit score (FICO 670+), a stable income, and a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Applicants must not be in default or bankruptcy.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

Bread Financial

Annual Fee

Apply Now

You will be redirected to the issuer's secure website.

APR 32.24% Variable

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