What the Maurices Comenity card is and who issues it
The Maurices Comenity credit card is a store card issued by Comenity Bank that you can use at Maurices locations and online. It works like any store card: you can carry a balance month to month, earn rewards on purchases, and receive promotional financing offers. The card is not a general-purpose card — you cannot use it outside the Maurices ecosystem.
Comenity Bank handles the account backend: billing, customer service, and credit reporting. Maurices, the women's clothing retailer, sets the rewards structure and promotional terms. When you call customer service or log into your account online, you are dealing with Comenity's systems, not Maurices directly.
Key Takeaways
- The Maurices card earns rewards points on every purchase, with bonus points during promotional periods that Maurices announces in-store and by email.
- The card carries an annual percentage rate (APR) that varies by creditworthiness; you learn the exact rate only after approval, not during the process process.
- Maurices regularly offers promotional financing — typically 12 to 24 months with no interest if you pay the full promotional balance on time — but the offer applies only to new cardholders or existing cardholders during specific windows.
- Rewards points do not expire as long as your account remains open and active, but closing the account forfeits any remaining points.
- The card reports to all three credit bureaus, so late payments or high balances will affect your credit score the same way any other credit card would.
How rewards and points work on this card
You earn one point per dollar spent on Maurices purchases. Points accumulate in your account and can be redeemed for discounts on future purchases. Maurices periodically runs bonus point promotions — for example, "earn 5 points per dollar for 48 hours" — which are announced through email, in-store signage, and the Maurices website. These windows are temporary and vary throughout the year.
Points have no cash value and cannot be transferred or sold. You redeem them only toward Maurices merchandise or gift cards. The redemption rate varies: sometimes 100 points equals a $5 discount, sometimes the ratio changes during sales events. Check your account or ask in-store for the current redemption value before you redeem.
Points do not expire as long as you keep the account open and use it at least once every 12 months. If your account goes inactive or you close it, any remaining points are forfeited. This matters if you earn points and then stop shopping at Maurices — the points will eventually disappear if the account closes.
Interest rates and how they are set
The APR on the Maurices card is not fixed. Comenity determines your rate based on your credit score, credit history, and income at the time you are approved. Two people approved on the same day can receive different rates. You will not know your exact APR until after you are approved and receive your welcome materials.
The card typically carries a variable APR, meaning the rate can change over time based on market conditions and Comenity's prime rate adjustments. If you carry a balance, interest accrues daily on the unpaid amount. Paying the full statement balance by the due date avoids interest charges entirely.
Late payments trigger a penalty APR, which is higher than your regular rate and applies to new purchases and existing balances. The penalty rate can remain in effect for six months or longer, depending on Comenity's terms and your payment history.
Promotional financing offers and how they work
Maurices frequently advertises promotional financing — usually 12, 18, or 24 months with no interest — to new cardholders and sometimes to existing cardholders during specific sale events. The offer is conditional: you must pay the full promotional balance by the end of the promotional period. If you do not, interest accrues retroactively on the entire promotional balance at the regular APR.
For example, if you buy $500 in merchandise on a 24-month no-interest offer and pay $400 by the end of month 24, the remaining $100 plus all the interest that would have accrued over 24 months is due when ready. This retroactive interest is substantial and catches many cardholders off guard. Read the terms carefully before you make a large purchase on a promotional offer.
Promotional offers do not stack. You can have only one active promotional period at a time. If you open a new promotional offer before the previous one ends, the old offer closes and interest begins accruing on that balance.
Annual fees and other costs
The Maurices Comenity card does not charge an annual fee. You pay interest only if you carry a balance past the due date or if you fail to pay off a promotional financing balance in time. There are no foreign transaction fees because the card cannot be used outside the United States.
Late payment fees explore if your payment arrives after the due date. The fee amount varies but typically ranges from $25 to $40 for the first late payment and may increase for subsequent late payments. A single late payment also reports to the credit bureaus and can lower your credit score by 30 to 100 points depending on your current score.
Cash advances are not available on store cards. You cannot withdraw cash or transfer the balance to another card.
How to manage your account and make payments
You can manage your Maurices Comenity account online through Comenity's website or mobile app. Log in with your card number and PIN or set up a username and password. From there, you can view your balance, make payments, set up autopay, and see your rewards points balance.
Payments can be made online, by phone, or by mail. Online and phone payments typically post within one business day. Mail payments take 7 to 10 business days, so plan ahead to avoid late fees. Autopay can be set to pay the full balance, a minimum payment, or a fixed amount each month.
Your statement is issued monthly and shows your purchases, balance, minimum payment due, and due date. The due date is usually 21 to 25 days after the statement closes. Paying at least the minimum by the due date keeps your account in good standing, but paying the full balance avoids interest.
Credit reporting and how this card affects your credit score
Comenity reports your account activity to Equifax, Experian, and TransUnion — all three major credit bureaus. This means your payment history, credit utilization (how much of your credit limit you are using), and account age all factor into your credit score.
High balances relative to your credit limit hurt your score even if you pay on time. If your limit is $1,000 and you carry a $800 balance, that 80% utilization will lower your score. Keeping your balance below 30% of your limit is better for your score. Paying the full balance each month is best.
Late payments stay on your credit report for seven years and are the single most damaging thing you can do to your score. A 30-day late payment can drop your score by 100 points or more. Missed payments also trigger collection calls and may result in legal action if the debt goes unpaid for six months or longer.
Frequently Asked Questions
Can I use the Maurices card anywhere other than Maurices?
No. Store cards work only at the retailer and their affiliated locations. The Maurices Comenity card cannot be used at other retailers, online merchants, or ATMs. It is designed exclusively for Maurices purchases in-store and at maurices.com.
What happens to my rewards points if I close the card?
Any remaining points are forfeited when you close the account. Points have no cash value and cannot be transferred. If you have accumulated points, redeem them before closing the account or you will lose them.
Can I transfer my balance from another credit card to the Maurices card?
No. Store cards do not offer balance transfer options. You can only charge new Maurices purchases to the card. If you want to pay off debt from another card, you would need to use a different card or pay the other card directly.
What is the credit limit on the Maurices card?
Your credit limit depends on your creditworthiness and is set by Comenity at approval. Limits typically range from a few hundred dollars to several thousand, but there is no standard. You can request a credit limit increase after you have had the card for a few months and have made on-time payments.
How do I dispute a charge on my Maurices card?
Contact Comenity customer service by phone or through your online account to report an unauthorized or incorrect charge. You have 60 days from the statement date to dispute a charge. Comenity will investigate and either reverse the charge or explain why it is valid.