Comenity Bank
Ann Taylor Credit Card Review 2026
Updated August 18, 2026
Store card built around Ann Taylor's ALL Rewards program — 20% off your first purchase, plus an extra 15% off every first Tuesday.
Who Ann Taylor Credit Card is best for
Regular Ann Taylor and LOFT-family shoppers who want the sign-up discount and monthly perk.
At a glance
- Annual fee
- See Cardholder Agreement
- Purchase APR
- See Cardholder Agreement
- First-purchase discount
- 20% off
- Monthly perk
- Extra 15% off
Not published on Ann Taylor's public card page — verified Aug 2026
Not published on Ann Taylor's public card page — disclosed at account opening, verified Aug 2026
On your first qualifying purchase — verified Aug 2026
First Tuesday of every month — verified Aug 2026
Pros
- +20% off your first qualifying purchase when you open and use the card
- +Extra 15% off every first Tuesday of the month, in-store and online
- +No upfront cost to apply — store-card approval bar is typically lower than general-purpose cards
- +ALL Rewards program benefits on top of the two published discounts
Cons
- −Ann Taylor's public card page does not disclose the purchase APR or annual fee — you must check the Cardholder Agreement before applying
- −Store-only: usable at Ann Taylor and sister brands (e.g. LOFT), not general purpose
- −Comenity-issued store cards typically carry high variable APRs — confirm your rate before carrying a balance
- −Full ALL Rewards points-earning structure isn't published publicly
Ann Taylor Credit Card requirements
- Store-card approval range (fair-good credit typical)
- US residents 18+
- Hard credit pull required
Ann Taylor Credit Card rates & fees
Ann Taylor's public card-marketing page confirms a 20% first-purchase discount and an extra 15% off every first Tuesday of the month (verified August 2026), but does not publish the purchase APR or annual fee. As with most Comenity Bank store cards, those figures are disclosed in the Rewards Terms & Conditions / Cardholder Agreement provided at account opening — confirm them there before applying or carrying a balance.
Rates & fees last verified at the issuer on 2026-08-18. Always confirm current terms before applying.
Value at a glance
| Year 1 value | Ongoing value |
|---|---|
| 20% off your first qualifying purchase when you open and use the card | Extra 15% off the first Tuesday of every month, in-store and online, plus ALL Rewards program benefits |
| Ann Taylor's public card page does not disclose a specific points-per-dollar earn rate — see your Cardholder Agreement for the full ALL Rewards structure | |
Ann Taylor Credit Card alternatives
Top alternatives worth comparing from Ann Taylor Credit Card: Complete 2026 Guide.
Comenity Bank
Lane Bryant Credit Card
Want a published APR and rewards rate up front — Lane Bryant's card terms are fully disclosed
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See all picks in Ann Taylor Credit Card: Complete 2026 Guide
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Ann Taylor Credit Card scores 3.8 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Regular Ann Taylor and LOFT-family shoppers who want the sign-up discount and monthly perk.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Ann Taylor Credit Card
What discount do you get for opening an Ann Taylor Credit Card?+
Ann Taylor's official card page states new cardholders get 20% off their first qualifying purchase when they open and immediately use the card (verified August 2026). Some exclusions typically apply, per the offer's fine print — confirm current exclusions at checkout.
Does the Ann Taylor Credit Card have a recurring discount?+
Yes — cardholders get an extra 15% off their purchase on the first Tuesday of every month, in-store and online, per Ann Taylor's published card terms (verified August 2026), in addition to whatever ALL Rewards benefits apply to the account.
Is ClearValue Lending a bank or card issuer?+
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the Ann Taylor Credit Card. The card is issued by Comenity Bank and is a product of Ann Taylor. Rates, fees, and terms are determined solely by the issuer and may change — verify current terms at anntaylor.com/credit-card and your Cardholder Agreement before applying.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.
https://clearvaluelending.com/reviews/ann-taylor-credit-card