If you’ve ever wandered into a maurices store just to “look around” and somehow walked out with a denim jacket, three new tops, and a sudden, confusing desire to join a rewards program…well, welcome to the club. Happens to the best of us. My bank account still hasn’t forgiven me for last fall’s “I just need a scarf” trip. But here’s where it gets juicy: the maurices credit card.

Not just some boring plastic in your wallet—it’s a golden ticket (okay, more like a pastel-colored lifeline) to exclusive perks, random discounts, and feeling kinda VIP when you’re checking out.

Let’s unravel this whole thing.

What Is the Maurices Credit Card, Really?

It’s not your average swipe-n-go card. The maurices credit card is a store-branded card managed by Comenity Bank, which basically means you can’t use it to buy your gas or late-night pizza, but when it comes to building your closet? Oh yeah. It’s game on.

Wrote this paragraph by hand. Then spilled coffee on it. Classic.

Anyway, you only use the maurices credit card at maurices stores or online at their website. It’s built for frequent shoppers, fashion lovers, and honestly, anyone who’s ever said “just one more sweater” and meant it.

Here’s why people (like me) keep getting sucked into the vortex of maurices’ perks.

Perks and Benefits: Why Bother With the Maurices Credit Card?

Let’s not sugarcoat it: store cards usually get a bad rap. But the maurices credit card is kind of like that one cousin who actually shows up to help you move furniture and brings snacks. It’s got your back—most of the time.

Core Benefits You Actually Notice

• 20% off your first purchase when you open and use your card.
  (I remember sprinting through the clearance section trying to maximize that 20%. Ended up buying a fuzzy vest I still don’t understand.)
• Exclusive cardmember offers throughout the year.
  Like surprise coupons in your inbox. It’s a little like getting birthday money from your grandma. Unexpected but thrilling.
• Birthday gift (yes, like actual free stuff).
  One year I got a discount on jeans. Another time? A random but very cute tote bag. Who doesn’t love birthday loot?
• Early access to sales.
  Think of it as sneaking into the backstage of a concert—only the band is cardigans and marked-down jeggings.

The maurices credit card doesn’t come with points, but it works hand-in-hand with the mymaurices rewards program, and that’s where the real layering happens.

You know…like putting on three tank tops back in 2007 because you saw it on Lizzie McGuire.

mymaurices Rewards Program: The Secret Sauce

I once asked a maurices cashier why I wasn’t getting points even though I’d bought enough floral blouses to outfit a small town. She blinked and said, “Did you link your card?” Oh. Oh no.

Let’s break this one down so you don’t make my mistake.

How It Works

The maurices credit card doesn’t automatically enroll you in the rewards program—but if you combine them? Boom.

• Earn points for every dollar spent—both in-store and online
• Get $5 rewards once you hit 100 points
• Access members-only events and offers

You don’t need the maurices credit card to join the mymaurices rewards program, but here’s the kicker—cardholders sometimes get bonus points events or enhanced perks that regular members don’t. It’s like the VIP lounge at an airport, but instead of free champagne, you get more stretchy jeans.

Quick Comparison: Credit Card vs. Rewards Program

I once got a double-points weekend and went absolutely feral in the clearance racks. Still haunts me.

Hidden Gems: Lesser-Known Perks of the Maurices Credit Card

This is the part nobody really talks about—but it’s where the card low-key shines.

1. No Annual Fee

It doesn’t cost you anything to keep it in your wallet. Unlike that gym membership I still pay for but haven’t used since 2021. Ahem.

2. Easy Online Management

Comenity’s portal is… fine. I mean, it’s not going to win design awards, but you can check your balance, make payments, and set up alerts without pulling your hair out.

One time, I forgot my login, panicked, and reset my password three times before realizing I was using my old email from middle school. No kidding.

3. Special Holiday Promos

Around November, they start hitting you with wild offers. Like “extra 25% off if you use your maurices credit card before Friday.” Which—look—I know it’s marketing, but it still feels like a wink and a nudge from the universe.

Downsides? Yeah, Let’s Be Real

Okay, so it’s not all sunshine and stretchy denim.

High APR

If you carry a balance, the interest rate can get a bit, uh, spicy. Like, “why is this more than my phone bill” spicy.

I made the mistake of forgetting a $40 payment once and got slapped with interest and a late fee. Felt like being grounded again. Except grown-up grounding involves budgeting apps and existential dread.

Limited Use

You can only use the maurices credit card at—surprise!—maurices. That’s it. Not your coffee shop, not gas, not that bookstore where you pretend to read hardcovers.

Should You Get the Maurices Credit Card?

Let’s play a game. Check off what applies:

• You shop at maurices more than twice a season
• You love getting random discounts
• You can pay off your card monthly
• You enjoy members-only perks
• You just want to feel fancy sometimes

If you checked three or more? The maurices credit card might be your new shopping sidekick.

But if you’re already juggling six cards, tend to carry balances, or just don’t want another login to remember (respect), maybe sit this one out.

How To Apply: Tips To Make It Easy-Peasy

Alright, if you’re still with me—either you’re curious or just enjoy my unhinged rambling. Either way, here’s how to do the deed.

Where to Apply

• In-store: Ask the cashier—they’ll walk you through it like a retail Sherpa.
• Online: Head to the maurices site, scroll down, click “maurices credit card” in the footer, and boom—you’re in the application portal.

What You’ll Need

• A valid ID
• A Social Security Number
• Your income info (they don’t need your bank balance, just a rough estimate)
• A steady hand because the keyboard always glitches at the worst moment

Tips Before You Hit “Submit”

• Check your credit score.
  Mid-600s or better? You’re probably good.
• Use your full legal name.
  Not your Starbucks alias. Learned that one the hard way.
• Don’t apply during a big purchase unless you’re cool waiting.
  Sometimes they approve instantly, but sometimes they’re like “we’ll email you,” and then it’s a waiting game.

A Few Weird Facts (Because Why Not)

• Maurices was founded in 1931. Right around the time Pluto was still a planet and sliced bread was the newest hotness.
• The first credit cards were metal—not plastic—and some of them straight up looked like dog tags. Imagine whipping that out at checkout. “Let me just pull out my brass rectangle, ma’am.”

Reminds me of that scene from House of Leaves, spooky stuff with unexpected doors and mystery charges. Kidding. Kind of.

Final Thoughts From Someone Who Still Owns Glitter Jeans

Look, I’m not saying the maurices credit card will change your life. It won’t get you into secret fashion cults or teach you how to match patterns without looking like a picnic blanket.

But if you love maurices, shop there often, and have the self-control to avoid minimum payments (trust me), it’s honestly a pretty sweet deal. Just keep an eye on that APR and don’t use it as an excuse to buy nine sweaters in July.

Unless… they’re all on clearance. Then maybe.

And if you do get one? Just promise me you won’t forget to link it to your rewards account like I did. My points could’ve bought me a weekend getaway by now. (Okay, a cheap candle. Still.)

Alright, I’m off to fold laundry and pretend I don’t have three unopened maurices bags in the hallway.