The Maurices Credit Card is wonderfully simple in comparison to other store cards, but it can only be used and earned back at its locations.
In one sense, the Maurices Credit Card, issued by Comenity Bank, is reminiscent of the clothing store it’s partnered with: friendly and bare-bones of unnecessary flair.
The card and the store’s rewards program itself are fairly simple. And that’s a welcome respite from some other store credit cards with earning power linked to complex rewards programs.
Members of Maurices Credit Card get extra discounts on all purchases at Maurices, whether in-store or online, although there are a few downsides to be aware of too.
What is the Big Deal About the Maurices Credit Card?
Maurices sells a wide range of basic clothing in nearly 900 stores across the United States and Canada. Besides apparel sizes 0-24, the retailer also sells swimwear, sleepwear, undergarments, shoes, and accessories. Maurices also sells clothing for the age group of girls 8-12 years through its new brand, Evsie, as of 2022.
Although the store has an assortment of clothing, there is only one way to utilize its credit card. The Maurices Credit Card is accepted solely at Maurices stores and hence is a “closed-loop” card.
A welcome bonus is a common feature for most credit cards, but new Maurices card members receive two. First, you are given a discount of 15% on your first purchase in case you pay for it using the Maurices Credit Card when you open the account.
Also, new credit card members receive 100 bonus mymaurices rewards points (enrollment is automatic when you become a Maurices Credit Card member). 100 points is a $5 reward certificate, which you can redeem on a future Maurices purchase.
While two bonuses sound attractive, the 15% saving won’t mean much if you merely spend hundreds of dollars on your first-time purchase. A flat cash-back card like the Wells Fargo Active Cash® Card, however, has this to give: Earn a $200 cash rewards bonus after spending $500 in purchases during the first 3 months.
Is there Points to this Credit Card?
Yes! Cardholders usually earn 1 point for every $1 charged to the card. But there is a regular opportunity to earn 2 points for every $1 charge on double points days, which occur every month.
Points are converted into reward certificates once you hit the 100-point threshold. 100 points = a $5 reward certificate, so each 1 point is worth 5 cents.
At first glance, that’s a fantastic deal. And, compared to some store cards and to the industry standard of 1 cent per point for a lot of travel and cash-back cards, it is. But here’s a big caveat: The points will have an expiration date and can only be used at Maurices.
Reward points accrued on Maurices purchases become invalid when you do not use your mymaurices account for 12 months, and reward certificates become invalid after just 90 days from their issue date.
Since rewards certificates are automatically issued for each 100 points you accumulate, you can’t stockpile progressively to use certificates toward a large future purchase.
Many cash back credit cards accumulate points that don’t expire as long as the account is kept in good standing, such as Citi ThankYou Points or American Express Membership Rewards.
Last Things to Know
Card members earn 1 point for every dollar charged on their card under normal circumstances. However, there is a regular opportunity to earn 2 points for every $1 spent on double points days, which happen every month.
Points are automatically converted into reward certificates when you hit the 100-point threshold. 100 points is a $5 reward certificate, so each 1 point is worth 5 cents.
On first impression, that’s a great deal. And, compared with some store credit cards and with the industry average of 1 cent per point paid by most cash-back and travel cards, it is. But there’s a big proviso: the points are only redeemable at Maurices, and they will expire.
Points earned through Maurices purchases expire if you don’t have any account activity within your mymaurices account within 12 months, and reward certificates expire 90 days from the date of issue.
Since rewards certificates are issued automatically for each 100 points that you earn, you can’t build up certificates over time to use on one big future transaction.
Most general credit cards collect points that do not expire as long as the account is active, such as Citi ThankYou Points or American Express Membership Rewards.
Store credit cards have high APRs, and the Maurices Credit Card is no exception. At the time of writing, the card carries a flashy interest rate of 29.9%. That is equivalent to paying nearly $30 in interest fees on a $100 charge remaining on the card.
