5 Things to Know About the Maurices Credit Card

The Maurices Credit Card is refreshingly straightforward compared to other store credit cards, but rewards can only be earned and used at its stores.

Jae Bratton
Lead Writer | Credit cards

Jae Bratton is a writer for the credit cards team at NerdWallet. She has a bachelor’s degree in English from Wake Forest University and a master’s in English from University of North Carolina at Greensboro. Before writing for NerdWallet, Jae spent 13 years teaching English and journalism. Her writing has been published in newspapers, blogs and an academic journal. Jae is based in North Carolina.

Erin Hurd
Credit cards, rewards, personal finance

Erin is a former writer and assigning editor on the NerdWallet Content team who now heads NerdWallet's travel business. She's a credit card and travel rewards expert at NerdWallet, based in Baltimore, Maryland. She has spent nearly two decades showing readers unique ways to maximize their investments and personal finances. Prior to joining NerdWallet, Erin worked on dozens of newsletters and magazines in the areas of investing, health, business and travel with Agora Publishing. Her love of travel led to a passion for credit card and loyalty rewards to subsidize trips, and she thrives on teaching others how to harness the power of credit card rewards. When she's not helping NerdWallet readers find the best travel value, Erin is planning her next adventure for her family of four using points and miles.

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

In some ways, the Maurices Credit Card — issued by Comenity Bank — reflects the clothing store that it’s affiliated with: approachable and stripped down of unnecessary frills. The card, along with the store's loyalty program, is relatively straightforward. And that's a refreshing change of pace from some other store credit cards with earning potential tied to complicated rewards programs.

Maurices Credit Card holders enjoy extra discounts on every Maurices purchase made in-store or online, but there are a few downsides to be aware of, too.

Here are five things to know about the Maurices Credit Card.

1. It can only be used at Maurices

Maurices sells a wide range of basic apparel in nearly 900 retail stores across the U.S. and Canada. In addition to clothes in sizes 0-24, the retailer offers swimwear, undergarments, sleepwear, shoes and accessories. As of 2022, Maurices also sells clothes for girls ages 8-12 through its new brand, Evsie.

While the store offers a variety of clothing, there's only one option for using its credit card. The Maurices Credit Card can only be used at Maurices stores, making it a "closed-loop" card .

Some store credit cards can only be used with that store brand, but other store cards, known as "open-loop," can be used most anywhere credit cards are accepted. Open-loop cards bear both the name of the store and the payment network, like Visa or Mastercard.

2. The card has two sign-up bonuses

Most credit cards come with a welcome bonus, but new Maurices cardholders are treated to two. First, you’ll receive a 15% discount off of your first purchase if you pay with the Maurices Credit Card on the same day that you open it.

Plus, new cardholders receive 100 bonus points in the mymaurices loyalty program (enrollment is automatic when you open a Maurices Credit Card). 100 points is equal to a $5 reward certificate that can be used toward a future Maurices order.

NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.

While two bonuses sounds nice, the 15% savings won't amount to much unless you spend hundreds of dollars on your first purchase. A basic cash-back card like the Wells Fargo Active Cash® Card , by comparison, offers this: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

3. You can earn double points, but watch their expiration

In general, cardholders earn 1 point for every $1 spent on the card. But there's a regular opportunity to earn 2 points per $1 spent on double points days, which occur every month.

Points are automatically converted to reward certificates once you hit the 100 point-threshold. 100 points is equal to a $5 reward certificate, making every 1 point worth 5 cents.

On the surface, that sounds like a great value. And, compared to some store cards and to the industry standard of 1 cent per point from many cash-back and travel cards, it is. But there's a big caveat: Those points can only be redeemed at Maurices, and they will expire.

Points earned from Maurices purchases expire if there is no account activity in your mymaurices account for 12 months, and reward certificates are only valid for 90 days after they’re issued. Since rewards certificates are issued automatically for each 100 points you earn, you can't save up certificates slowly to use for one large future purchase.

Many general credit cards earn points that do not expire as long as the account is in good standing, such as Citi ThankYou Points or American Express Membership Rewards .

4. You'll save 10% on every purchase, plus get other perks

Every time you use the Maurices Credit Card, you’ll get 10% off of the total, including on sale and clearance items. According to the retailer, the discount is applied automatically at checkout, in-person or online, whenever you use the card to pay.

Maurices Credit Card holders also receive free shipping on online orders with no minimum spending requirement. Cardholders get special access to sales, plus a $10 coupon on their birthday.

5. You won't want to carry a balance

It's common for store credit cards to come with high APRs, and the Maurices Credit Card is no exception. As of this writing, the card carries a sky-high interest of 29.9%. That means for every $100 balance carried on the card, you'll pay nearly $30 in interest fees.

You’re following Jae Bratton
Visit your My NerdWallet Settings page to see all the writers you're following.

Jae is a writer for the credit cards team at NerdWallet. Her writing has been published in newspapers, blogs and an academic journal. See full bio.

On a similar note.

Download the app

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution's Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

NerdUp by NerdWallet credit card: NerdWallet is not a bank. Bank services provided by Evolve Bank & Trust, member FDIC. The NerdUp by NerdWallet Credit Card is issued by Evolve Bank & Trust pursuant to a license from MasterCard International Inc.

Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

NerdWallet Compare, Inc. NMLS ID# 1617539

California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812

Insurance Services offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033) Insurance Licenses

NerdWallet™ | 55 Hawthorne St. - 10th Floor, San Francisco, CA 94105