If you shop at maurices often, the cashier has probably asked whether you want to save with the store card. The maurices credit card promises discounts and perks for loyal shoppers, but it also comes with terms worth understanding before you sign up. This guide walks through how the card works, what it costs, 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 one can fit into that plan, but only if you understand the tradeoffs.
What Is the Maurices Credit Card?
The maurices credit card is a store-branded card issued through Comenity Bank (Bread Financial). It is designed for people who shop at maurices and want rewards and special offers tied to their purchases. Like most store cards, it is easier to qualify for than a premium rewards card, which makes it appealing if your credit history is thin. If your history is thin, it also helps to know how to choose a credit card before you commit to any single offer.
There are usually two versions of these store programs: a private-label card that works only at the retailer, and sometimes a co-branded card that works more widely. Check maurices' website for current card options, since lineups change.
Rewards and Perks
The main draw is shopping rewards. Cardholders typically earn points on maurices purchases and may get access to special financing, birthday offers, and members-only discounts. If maurices is already a regular stop in your wardrobe budget, those perks can add up over a year. If broad rewards matter more to you, a general cashback credit card tends to earn on far more than one store.
That said, the rewards only matter if you were going to shop there anyway. Buying clothes you do not need to chase points is not a win for your wallet.
Fees and APR
Here is the part that deserves attention. As of June 2026, the maurices credit card carries a variable purchase APR around 29.99%, with no annual fee reported. That high APR is common for store cards and is the reason carrying a balance gets expensive fast.
The practical rule is simple: if you pay your full statement balance every month, interest does not apply and the card can be a low-cost way to earn rewards. If you carry a balance, the interest can quickly outweigh any discount you earned. Check maurices' website for current fees and the latest APR before applying. Terms and conditions apply, and APRs vary by creditworthiness.
Will It Help You Build Credit?
This is where many shoppers get the wrong idea. A store card can help your credit, because the issuer usually reports your payments and balances to the major credit bureaus. On-time payments and a low balance relative to your limit are good signals.
But store cards also have downsides for credit building:
Low Limits
Store cards often come with small credit limits. If your limit is low and you spend even a modest amount, your utilization ratio can spike, which can drag your score down even when you pay on time.
High APR Temptation
The high APR means one missed payoff can cost real money. For credit building, you want a card you can use lightly and pay in full without stress.
Stronger Alternatives for Building Credit
If your main goal is a better score rather than maurices discounts, a dedicated credit builder card is usually a smarter starting point. Firstcard partners with several options worth comparing, and each one approaches credit building a little differently. It is also worth weighing other credit card alternatives if a traditional card is not the right fit yet.
The Self Visa® Credit Card pairs a credit-builder account with a secured card, so you can build savings and credit at the same time. That structure fits the maurices shopper who wants to grow a small cushion of savings while still establishing on-time payment history, because every payment does double duty toward both goals.
If you would rather build credit through everyday spending instead of a separate savings deposit, the Current Build Card is worth a look. It is designed to report your activity as you spend and pay, which fits someone who already manages a checking-style balance and wants a simple way to turn routine purchases into positive credit history without a high store-card APR hanging over them.
Current Build Card
Current Build Card
$0 annual fee. No minimum deposit required. No credit check required. 1 point per dollar on eligible categories. Reports to Experian, TransUnion, Equifax.
Fee
$0
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
1 point/dollar on eligible categories (with qualifying payroll deposit)
Benefit
No credit check, no deposit minimum
For a low-cost entry point, the Kikoff Secured Credit Card is built around reporting your activity to help your profile while keeping costs minimal. It fits the budget-conscious shopper who liked the no-annual-fee idea of a store card but wants a product designed first and foremost to build credit rather than to drive purchases. A traditional secured credit card works on the same principle, and it helps to understand how to apply for a secured credit card before you start. OpenSky offers a secured card that does not require a credit check to apply, which helps if past credit problems are holding you back, and Chime offers a secured card with no annual fee for eligible members. Compare these through Firstcard before deciding, since the right fit depends on your situation. None of these can promise a specific score change, and Terms and conditions apply.
Kikoff Secured Credit Card
Kikoff Secured Credit Card
Kikoff Secured Credit Card works like a debit card & checking account and performs like a credit builder. Build credit with your everyday purchases.
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
Yes
Benefit
0% interest. No credit check.
How to Use a Store Card the Smart Way
If you do get the maurices credit card, treat it as a tool, not a spending license.
Pay in Full Every Month
This avoids the high interest entirely and keeps the card working in your favor.
Keep Balances Low
Try to use only a small slice of your limit. Lower utilization tends to support a healthier score.
Watch Your Statements
Check for the latest fees, due dates, and any changes to terms, since issuers update them over time.
The Bottom Line
The maurices credit card can reward frequent maurices shoppers and may help your credit if you pay on time and keep balances low. But the high APR and likely low limit mean it is not the strongest tool for building credit on its own. If a better score is your real goal, compare dedicated options like the Self Visa® Credit Card, OpenSky, and the Current Build Card through Firstcard first. Terms and conditions apply, and APRs vary by creditworthiness.
Frequently Asked Questions
Does the maurices credit card have an annual fee?
As of June 2026, the maurices credit card is reported to have no annual fee. Fees can change, so check maurices' website for the current details before you apply. The bigger cost to watch is the interest charged if you carry a balance.
Does the maurices credit card help build credit?
It can, because the issuer generally reports your payments to the major credit bureaus. On-time payments and low balances are positive signals. However, a low limit and high APR make it less ideal than a dedicated credit-building card for many people.
What credit score do I need for the maurices credit card?
Store cards are often easier to qualify for than premium rewards cards, so applicants with limited credit may have a chance. Approval is never guaranteed and depends on the issuer's review. Check maurices' website for current eligibility guidance.
What are good alternatives if I want to build credit?
Dedicated products like the Self Visa® Credit Card, OpenSky, the Kikoff Secured Credit Card, the Current Build Card, and Chime are designed around credit building. You can compare them through Firstcard to find a fit. Terms and conditions apply, and results vary by person.
