Maurices Credit Card: Rewards, Fees, and Alternatives

If you shop at maurices often, the cashier has probably asked whether you want to save with the store card. The maurices credit card offers real discounts and points for loyal shoppers, but it also carries terms worth understanding before you sign up. This review walks through exactly how the card works, what it costs according to the issuer's agreement, who it fits, and what to do instead if your bigger goal is building credit.

At Firstcard, we help people with no credit, low credit, or bad credit find tools that actually move their score. A store card like this can fit into that plan, but only once you understand the trade-offs.

Key Facts at a Glance

All figures as of June 2026.

What Is the Maurices Credit Card?

The maurices credit card is a store-only, private-label card issued by Comenity Bank (Bread Financial). It works at maurices and feeds the mymaurices loyalty program. Because it is closed-loop, it is not a Visa or Mastercard and cannot be used elsewhere, which is the key difference from a general-purpose card. If your history is thin, it helps to know how to choose a credit card before you commit.

Like most store cards, it is easier to qualify for than a premium rewards card (typically around a 640 score), which makes it appealing if your credit history is limited. Application is a hard pull, and the card reports your payments to all three major bureaus, Experian, TransUnion, and Equifax. Comenity does not publish a fixed starting limit, and reported figures vary, but store cards commonly open with modest limits.

Rewards, Perks, and Sign-Up Offer

This is where the maurices card earns its keep for regular shoppers. Cardholders get 10% off every purchase made with the card, plus 5% back in points (2 points per $1, where 100 points equals a $5 reward). You also get free shipping with no minimum, a $10 birthday reward, and monthly double-points events. Promotional deferred-interest financing is sometimes offered on qualifying purchases, which is convenient but turns costly if not paid off in the promo window.

As of June 2026, the sign-up offer is 15% off your first purchase when you pay with the card the same day you open it, plus 100 bonus mymaurices points, which is a $5 reward certificate. For someone who already buys clothes at maurices regularly, the standing 10%-off-plus-5%-back combination is genuinely strong. The catch is that all of it only matters if you were going to shop there anyway. Buying things you do not need to chase points is never a win.

Fees and APR

Here is the part that deserves your full attention. According to the Comenity Bank cardholder agreement on file with the CFPB, the maurices credit card carries a variable purchase APR of 35.99% as of June 2026, with no annual fee and no monthly membership fee. It does charge a paper statement fee of $2.99 per month (up to $35.88 a year) if you receive mailed statements, which you can avoid by going paperless, plus late and returned-payment fees of up to $41 each and a minimum interest charge of $3. There is no welcome-period intro APR.

The rule is simple: pay your full statement balance every month and interest never applies, so the 10% discount and points are pure savings. Carry a balance and a 35.99% APR will erase any discount fast. Terms and conditions apply, and APRs are variable.

Will It Help You Build Credit?

A store card can help your credit, because Comenity reports your payments and balances to all three bureaus. On-time payments and a low balance relative to your limit are positive signals. But there are real downsides specific to this card.

Store cards often come with small credit limits. If your limit is low and you spend even a modest amount, your credit utilization can spike, which can drag your score down even when you pay on time. And a 35.99% APR means one missed payoff costs real money. For credit building you want a card you can use lightly and pay in full without stress, and a card you can use only at maurices is harder to lean on for that.

Stronger Alternatives for Building Credit

If your main goal is a better score rather than maurices discounts, a card you can use anywhere is usually a smarter starting point. The Self Visa® Credit Card is one of the simplest ways to build history. It is backed by your own savings, reports to all three bureaus, and has high approval odds, so it suits someone starting from scratch.

Worried about approval, or want a card you can actually use everywhere? The Aspire Mastercard is an unsecured option with no security deposit. It accepts scores around 580 and up, reports to all three bureaus, and pays up to 3% cash back, so unlike a store-only card you can use it for any purchase while you build credit.

The Bottom Line

The maurices credit card rewards frequent maurices shoppers well, with 10% off every purchase, 5% back in points, and a 15%-off welcome offer, and it can help your credit if you pay on time. To keep it working in your favor, pay in full every month to dodge the 35.99% APR, use only a small slice of your limit, and go paperless to avoid the $2.99 monthly statement fee. But the high APR, likely low limit, and store-only use make it a weak primary tool for building credit. If a better score is your real goal, a card you can use anywhere, like the Self Visa Credit Card or the Aspire Mastercard, is the stronger foundation. Free tools like Creditship.ai help you track progress as you go.

Frequently Asked Questions

Does the maurices credit card have an annual fee?

No. The Comenity Bank agreement confirms a $0 annual fee and no monthly membership fee as of June 2026. Watch instead for the 35.99% variable APR on carried balances and the $2.99 monthly paper statement fee, which you can avoid by going paperless.

What rewards does the maurices credit card offer?

You get 10% off every purchase with the card, 5% back in points (100 points equals a $5 reward), free shipping with no minimum, a $10 birthday reward, monthly double-points events, and a 15%-off first-purchase welcome offer plus 100 bonus points.

What credit score do you need for the maurices credit card?

Applicants typically need around a 640 score (fair credit) or better, and applying triggers a hard pull. Approval also depends on income and existing debts. Because it is store-only, it is generally easier to get than a premium rewards card.

What are good alternatives if I want to build credit?

The Self Visa® Credit Card and the Aspire Mastercard are designed around credit building, report to all three bureaus, and can be used far more widely than a store card. Terms and conditions apply, and results vary by person.