The Maurices Credit Card is a store card issued by Comenity that offers rewards on purchases at Maurices and related brands
The Maurices Credit Card is a closed-loop store card, meaning you can use it only at Maurices, Maurices.com, and other brands under the same parent company. Comenity Bank, the card issuer, handles the account management, billing, and customer service. The card comes with a rewards program that gives you points on every purchase, which you can redeem for discounts on future shopping trips.
Unlike a general-purpose credit card, a store card is designed to encourage repeat visits to that retailer. The Maurices card does this through a tiered rewards structure and periodic bonus point offers. You'll receive a physical card in the mail after approval, and you can also add the card to digital wallets for in-store and online use.
Key Takeaways
- The Maurices card earns rewards points on every dollar spent at Maurices and partner locations, with bonus point multipliers during promotional periods.
- You can redeem accumulated points for statement credits or discounts, though the exact redemption value depends on how Maurices structures its current program.
- Comenity manages the account through their online portal and mobile app, where you can check your balance, make payments, and track points.
- Store cards typically have higher interest rates than general credit cards, so carrying a balance will cost you significantly more in interest charges.
- The card has no annual fee, making it free to hold even if you don't use it regularly.
How the Rewards Program Works
The Maurices rewards program awards points based on your spending. The exact earning rate—whether you earn 1 point per dollar, tiered points, or bonus multipliers—varies depending on the current program structure, which Maurices can change. You'll see your points balance in your Comenity account online or in the mobile app.
Maurices periodically runs bonus point promotions, such as "earn 5x points on purchases this weekend" or "earn double points on your birthday month." These offers are typically announced in email, on the Maurices website, or in-store. To earn the bonus, you usually just need to use the card during the promotional period—no separate registration required.
Points don't expire as long as your account remains open and in good standing, though Maurices reserves the right to change this policy. Once you accumulate enough points, you can redeem them for a statement credit (which reduces your bill) or for a discount code to use on future purchases. The redemption threshold and the value you get per point varies, so check your account or ask a Maurices associate for current rates.
Interest Rates and Fees
Store cards typically carry higher interest rates than general credit cards. The Maurices card's annual percentage rate (APR) depends on your creditworthiness and current market conditions, so it will be disclosed in your approval documents and in your Comenity account. If you carry a balance from month to month, you'll pay interest on that balance at this rate.
The card has no annual fee, so there's no cost to keep it open even if you use it infrequently. However, like all credit cards, you'll face late fees if you miss a payment and penalty APR increases if you pay 60 days or more late. Making at least your minimum payment on time each month avoids these charges.
Managing Your Account Through Comenity
Comenity provides an online portal and mobile app where you can view your balance, make payments, set up automatic payments, and track your rewards points. You can access this through the Comenity website or by downloading the Comenity mobile app from your phone's app store. You'll log in with the username and password you created when you first received your card.
Payment options include online bill pay through the Comenity portal, automatic monthly payments set to your bank account, or paying by phone. Payments typically post within one to two business days. You can also set up payment reminders or autopay to may support you never miss a due date, which protects your credit score and avoids late fees.
If you have questions about your account, rewards balance, or how to redeem points, you can contact Comenity customer service by phone (the number is on your card and billing statement), through the mobile app, or online. Comenity also handles disputes if you notice unauthorized charges or billing errors.
When a Store Card Makes Sense for Your Spending
A store card is most valuable if you shop at that retailer regularly and pay off your balance in full each month. If you spend $100 or more per month at Maurices, the rewards points can add up to meaningful discounts over time. Paying in full avoids the high interest rate, so the card becomes a pure rewards tool.
A store card is less useful if you shop there only occasionally or if you tend to carry a balance. The interest charges will quickly outpace any rewards you earn. In those cases, a general-purpose rewards credit card with a lower APR might serve you better, even if it earns fewer points per dollar at Maurices.
Some people open a store card to get an opening offer—such as a discount on your first purchase or bonus points after spending a certain amount. If you're considering the card primarily for this offer, make sure the discount or bonus is worth the hard inquiry on your credit report and the new account on your credit history.
How the Maurices Card Affects Your Credit
Opening a new credit card triggers a hard inquiry on your credit report, which can temporarily lower your credit score by a few points. Once the account is open, it becomes part of your credit mix and credit history. Using the card responsibly—making on-time payments and keeping your balance low relative to your credit limit—helps your credit score over time.
Conversely, missing payments, carrying a high balance, or maxing out the card will damage your score. Store cards often come with lower credit limits than general credit cards, so it's easier to use a large percentage of your available credit, which hurts your score. Keeping your balance well below the limit is especially important with a store card.
Comparing the Maurices Card to Other Store Cards
Other department stores and fashion retailers offer their own store cards—Target, Kohl's, Gap, and Old Navy all have Comenity-issued cards with similar structures. They all offer rewards on purchases, no annual fees, and higher interest rates. The main differences are the earning rate, redemption options, and opening offers.
If you shop at multiple retailers, you might be tempted to open multiple store cards to maximize rewards. However, each new card is a hard inquiry and a new account, which affects your credit. A single general-purpose rewards card with a lower APR might be a simpler choice unless you have a strong reason to prefer store-specific rewards.
Before opening the Maurices card, compare the rewards rate and redemption value to what you'd earn with a cash-back or points card you already have. Some general cards earn 2% to 5% back on all purchases or on specific categories like clothing, which might exceed what the Maurices card offers.
Frequently Asked Questions
Can I use the Maurices card online and in stores?
Yes. You can use the card at Maurices physical locations and on Maurices.com. You can also add the card to digital wallets like Apple Pay or Google Pay for contactless payments in-store. The card cannot be used at other retailers.
What happens to my points if I close the card?
Points are typically forfeited when you close the account. Before closing, redeem any remaining points for a statement credit or discount. Check your Comenity account or contact customer service to confirm the current policy.
How do I redeem my rewards points?
Log into your Comenity account online or through the app, navigate to the rewards section, and select your redemption option. You can usually choose a statement credit (applied to your next bill) or a discount code (emailed to you for use at Maurices). The minimum redemption threshold varies.
What's the credit limit on the Maurices card?
Your credit limit depends on your credit score, income, and credit history. It's disclosed in your approval documents and shown in your Comenity account. You can request a credit limit increase after a few months of responsible use.
Does the Maurices card have a sign-up bonus?
Maurices periodically offers opening bonuses, such as bonus points on your first purchase or a discount on your first order. These offers change, so check the Maurices website or ask in-store for current promotions before you open the card.