What the Maurices Credit Card Does
The Maurices Credit Card is a store card issued by Comenity that you can use at Maurices locations and online. It works like most retail cards: you make purchases, receive a bill, and pay it back. The card comes with rewards tied to your spending at Maurices, but it can only be used there—not at other stores or restaurants.
Comenity is a financial services company that issues credit cards for many retailers. They handle the account setup, billing, and customer service. When you use the Maurices card, Comenity tracks your purchases and manages your account behind the scenes.
The main reason to get this card is the rewards program. Maurices cardholders earn points on purchases, which convert to discounts you can use on future shopping trips. The exact rewards structure—how many points per dollar, what discounts they unlock—changes periodically, so you should check the current offer before you open an account.
Key Takeaways
- The Maurices Credit Card is a store-only card issued by Comenity that earns rewards points on purchases at Maurices.
- You will need a Social Security number, proof of income or employment, and a valid ID to open an account.
- The card approval decision usually comes within minutes if you open an account in-store, or within a few business days if you open online.
- You can pay your bill online through the Comenity website, by phone, by mail, or in-store at Maurices.
- Carrying a balance means you will pay interest, so paying in full each month saves you money even if you lose the rewards.
What You Need to Open an Account
To open a Maurices Credit Card account, you will need to provide basic personal information. Have your Social Security number, date of birth, and current address ready. Comenity will also ask for your annual income or employment information so they can assess your ability to repay.
You can open an account in two ways: in-store at a Maurices location or online through the Comenity website. In-store applications are faster—you usually get an when ready decision and can use the card the same day. Online applications take a few business days to process.
Comenity will run a hard inquiry on your credit report, which means the process will show up on your credit history. This can lower your credit score slightly, usually by a few points. If you are denied, you can ask Comenity why and may be able to reapply later.
How the Rewards Program Works
The Maurices card rewards you for spending money at Maurices. Every dollar you spend earns points, though the exact rate varies—some cards earn one point per dollar, others earn more on certain purchases. You accumulate these points in your account and can redeem them for discounts on future purchases.
Rewards typically come in the form of a discount certificate or coupon that appears in your account or arrives by mail. For example, you might earn enough points to get $10 off your next purchase, or 20 percent off a single transaction. The redemption rules change by promotion, so check your account or ask in-store what your current points are worth.
The rewards are only useful if you shop at Maurices regularly. If you open the card for a one-time purchase and never use it again, the points may expire before you can redeem them. Read the terms to see how long points stay active.
Making Payments and Managing Your Account
Your bill arrives monthly and shows your balance, minimum payment, and due date. You can pay in several ways: online through the Comenity website, by phone at the customer service number on your statement, by mail, or in-store at Maurices. Online and phone payments usually post within one business day.
The minimum payment is the smallest amount Comenity will accept to keep your account in good standing. Paying only the minimum means you carry a balance and pay interest on it. To avoid interest charges, pay your full statement balance by the due date each month.
You can check your balance and payment history anytime by logging into your Comenity account online or calling customer service. Set up autopay if you want the payment to happen automatically each month—this helps you avoid late fees and missed payments.
Interest Rates and Fees You Should Know
The Maurices Credit Card charges interest on any balance you carry past the due date. The interest rate (called the APR, or annual percentage rate) varies by person based on your credit score and history. Comenity will tell you your specific APR when you open the account or when you log in online.
The card may also charge a late fee if your payment arrives after the due date. Late fees are usually $25 to $40 depending on how late the payment is. A single late payment can also hurt your credit score and trigger a higher interest rate on future balances.
There is no annual fee to own the Maurices Credit Card, which is typical for store cards. However, if you carry a balance, the interest you pay will quickly outweigh any rewards you earn. For example, if you spend $500 and earn $5 in rewards but pay 20 percent interest on a $500 balance, you will pay $100 in interest—a net loss of $95.
When the Card Makes Sense and When It Doesn't
The Maurices Credit Card is worth opening if you shop at Maurices multiple times a year and can pay your full balance each month. The rewards add up faster than you might expect if you are a regular customer, and paying in full means you avoid all interest charges.
The card is not worth opening if you shop at Maurices rarely or if you tend to carry a balance. Store cards usually have higher interest rates than general-purpose credit cards, so carrying a balance is expensive. If you only visit Maurices once a year, the rewards will not offset the risk of overspending just to earn points.
If you already have a rewards credit card from a bank or Visa/Mastercard company, compare the rewards rates. A general-purpose card that earns 2 percent cash back everywhere might be better than a store card that earns points only at one retailer, even if the store card's rewards look generous.
Activating Your Card and Using It for the First Time
If you open your account in-store, the card is usually ready to use when ready. If you open online, Comenity will mail the card to you, which takes five to ten business days. Once it arrives, you may need to set up it before you can use it.
set up is straightforward: call the number on the back of the card or go online to the Comenity website and follow the prompts. You will confirm your identity and set a PIN if you want one. After set up, you can use the card at any Maurices store or on the Maurices website.
Your first purchase will post to your account within a few business days. You will see it listed on your online account and on your monthly statement. The rewards for that purchase will also appear in your account, though you may not be able to redeem them until you have accumulated enough points.
Frequently Asked Questions
Can I use the Maurices card anywhere besides Maurices?
No. The Maurices Credit Card is a store card and works only at Maurices locations and on the Maurices website. You cannot use it at other retailers, restaurants, or gas stations. If you need a card that works everywhere, you will need a different credit card.
What happens if I miss a payment?
A late payment will trigger a late fee (usually $25 to $40) and may raise your interest rate. It will also appear on your credit report and lower your credit score. If you miss a payment, contact Comenity as soon as possible to bring your account current and ask about waiving the fee.
How do I redeem my rewards points?
Rewards typically appear in your account as a discount certificate or coupon that you can use on your next purchase. You may be able to redeem them online, in-store, or through the mail depending on the current promotion. Check your Comenity account or ask a Maurices employee how to use your points.
Can I close my account if I no longer want the card?
Yes. Call Comenity customer service or go online to request account closure. Pay off any remaining balance first. Closing the account will not hurt your credit score, but it may lower your average account age, which can have a small negative effect on your credit over time.
What credit score do I need to open this card?
Comenity does not publish a minimum credit score requirement, but store cards are generally easier to get than bank credit cards. People with fair or good credit (scores around 600 and up) have a reasonable chance of approval. If you have poor credit, you may still be approved but with a higher interest rate.