Maurices Credit Card Review

Maurices is a clothing store for women that operates online and in over 1,000 retail stores in the United States and Canada. Maurices specializes in casual styles sized from 0 to 24. The maurices credit card is issued by Comenity Bank and can only be used at the maurices website or retail locations.


Maurices Credit Card Features and Benefits

Like most store credit cards, this card comes with perks for maurices shoppers. It also comes with a relatively high APR.


Maurices offers a points-based reward program for cardholders. You earn 1 point for every dollar spent. When you get to 100 points, you can cash your points in for a $5 reward. You also get an extra $5 when you sign up, sneak peeks on new merchandise, $10 off on your birthday, monthly double points events and “surprises.” Additionally, cardholders get early access to sales and promotions and members-only invitations.


If you open a maurices credit card account, you receive 15% off your first purchase, which you can use the same day you open your account. You also get an extra 10% off all merchandise, including sale and clearance items, and free shipping with no minimum purchase.

Bill Pay

You can create an online account for managing and paying your bill. You can also make payments at any maurices retail location.

Fees and APR

The APR is 26.99%. There is no penalty APR for late payments or annual fees. However, there is a fee of up to $40 for late payments or returned payments.

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Maurices Credit Card Application Process

You can apply for the maurcies credit card in-store or online by filling out a simple form. To apply online, you need to create a maurices account, if you do not already have one. The application form asks for an e-mail address, password, phone number, name, home address, birthday, annual income and the last four digits of your Social Security number. To apply, you must be old enough to sign a contract in your territory or state and have a current government-issued ID with a photo and tax ID number. Additionally, you must have a physical mailing address.

Comenity checks your credit report after you submit the application and provides an instant decision. Comenity generally approves applicants with fair or better credit. Customers with poor credit in the past who have a better recent credit history may also be approved.

Who Should Consider the Maurices Credit Card

This card is primarily of benefit to frequent maurices shoppers who can pay off their balance every month. You can earn a $5 reward for every $100 spent and if you shop during the double points promotions, you may be rewarded as much as $5 for every $50 spent. When you combine the rewards with the extra 10% off on all purchases, the savings can add up. It may also be worthwhile to sign up if you are making a particularly large purchase and want to take advantage of the 15% off. Online shoppers will enjoy the free shipping perk, which can save about $7 per order, though all customers receive free shipping on orders over $50.


The main downside to the maurices credit card is the high APR. Customers with good credit can usually get a rate of around 14.5% or lower on a standard credit card. If you plan to carry a balance, the additional interest charges could easily wipe out any savings you get by using the store credit card.


If you frequently shop at maurices and can pay your balance off every month, then the maurices credit card can save you some money through the extra discount and rewards program. However, if you only shop once in a while or carry a balance, you are probably better off using a card with a lower APR or paying cash. Be sure to stop by for the latest information and credit card reviews.

Quick Questions

What is the best credit score to have before applying for a Maurices VIP credit card?

While many retail store credit cards will accept applicants with less than optimal credit, you should aim for a fair to good credit score. You also want to avoid any recent delinquencies.

Can you use the Maurices VIP card outside of the store?

The Maurices credit card is a store card. You cannot use it anywhere other than the store or its online shop. If you are not a frequent customer of Maurices, you will likely benefit more from a different card, like a Visa or Mastercard.

What is the issuing bank for the Maurices VIP credit card?

Like many other retail brands, the Maurices brand uses Comenity Bank. This bank is popular within the retail industry for its flexibility and availability to consumers.

While the Maurices VIP offering is great for frequent shoppers, the incredibly high and variable APR, 27.99%, leaves as average at best in terms of other retail cards. If you love the shop, the card is probably a good fit, but remember to limit balances to avoid interest fees.


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