Maurices Credit Card
If you’re a frequent Maurices shopper—a fan of cozy-chic fashion and stylish yet affordable clothing—the Maurices Credit Card might seem like an easy win. This store-branded credit card offers exclusive perks designed specifically for loyal Maurices customers. But before you sign up, it’s important to understand what the card offers, how it works, and whether it’s a smart fit for your wallet in 2025.One of the biggest benefits of the Maurices Credit Card is the immediate discount you receive when you open the card. Most new cardholders enjoy 20% off their first purchase—a tempting deal if you’re eyeing a bigger haul. Beyond that, Maurices offers exclusive access to sales and promotions, along with a special birthday surprise each year for cardholders.The rewards system is relatively straightforward. When you shop at Maurices using the credit card, you earn points for every dollar spent, which can later be redeemed as discounts on future purchases. These rewards add up quickly if you’re a regular shopper and can help stretch your fashion budget further.
What Is the Maurices Credit Card?
The Maurices Credit Card, issued by Comenity Bank, is a closed-loop store card—usable only at Maurices retail locations and maurices.com There’s no annual fee, and it offers instantly applied discounts, monthly savings events, free shipping, and loyalty program perks.
Signup Bonuses & Everyday Discounts
Signup Perks:
- 15% off your first purchase when you open and use the card in-store the same day
- 100 bonus loyalty points, equal to a $5 certificate
Ongoing Discounts:
10% off every purchase, online or in-store — includes sale items
Free shipping with no minimum purchase
Birthday $10 bonus, and anniversary $5 bonus
Loyalty Rewards: Points and Bonuses
Earn 1 point per $1 spent; 100 points = $5 reward certificate
Double-points events monthly: 2 points per $1 spent
Certificates auto-issue after 100 points; expire after 90 days without use .
Fees & APR: The Downside
| Fee Type | Details |
|---|---|
| APR | Extremely high: ~26.99–35.24% variable |
| Annual fee | $0 — no annual cost |
| Late fee | Up to $40 |
| Returned payment | Up to $37–41 |
Key takeaway: This card is built for rewards on paid-off balances only — carrying a balance will wipe out any savings.
Who Should Get This Card — And Who Shouldn’t
Ideal Candidates:
- Regular Maurices shoppers who shop monthly or seasonally.
- Users who pay in full each month, avoiding interest.
- Stylish individuals who want automated savings & special event access.
Not Recommended For:
- People who carry balances, due to the steep APR.
- Consumers seeking a versatile across-store credit card.
- Shoppers who only buy from Maurices occasionally.
How It Compares to Other Store Cards
Compared to other store cards:
- Ulta, Sephora, Target: Usually offer open-loop cards, varying reward rates, and sometimes cash back.
- Maurices wins in fashion-specific savings, but loses in versatility and APR.
How to Apply
- Visit maurices.com/creditcard or apply in-store at participating locations
- Provide basic personal and financial info.
- Instant approval is common, especially if you have fair-to-good credit (~640+)
👍 Pros & 👎 Cons
👍 Pros:
- 15% welcome discount + 10% everyday savings
- Free shipping always
- Bonus certificates and double point events
- No annual fee
👎 Cons:
- Closed-loop – only usable at Maurices
- High variable APR (~27–35%)
- Points expire without use
- Low credit limits ($100–$300 range)
Maximizing Value: Smart Use Tips
- Use only for planned Maurices purchases, ideally large ones.
- Shop during double-points events.
- Pay in full to avoid high interest.
- Redeem 100-point certificates quickly (before 90 days).
- Stack discounts and coupons with your 10% card savings.
Example: Annual Savings Breakdown
- $800 spent/year at Maurices.
- 10% off = $80 savings
- Earning 8,000 points = $400 certificates
- Bonus events and free shipping = ~$50–$100 value
- Net gain (assuming full payment) = $530–630/year
Final Verdict
If you’re a loyal Maurices shopper who pays off monthly, the card can be a smart way to boost savings and earn perks. But don’t use it unless you absolutely can avoid carrying a balance—otherwise, the APR will eat into your gains.
