The Maurices Credit Card, which is related to the Maurices clothing store, is accessible and without extraneous frills, much like the clothing business that it is associated with. The loyalty card and the store's program for rewarding customers are rather simple. This is a welcome departure from other retail credit cards with earning potential attached to convoluted rewards schemes.

Customers who shop at Maurices using their Maurices Credit Cards get additional savings on all their in-store and online purchases; however, there are a few things that could be improved in the program that customers should be aware of. The Maurices Credit Card is discussed below, along with five key points of information regarding it.

It is only usable at Maurices

With over 900 retail locations in the United States and Canada, Maurices offers a diverse selection of essential clothing items at affordable prices. The shop provides swimwear, sleepwear, undergarments, shoes, accessories, and clothing sizes 0 to 24. Evsie, a new brand launched by Maurices in 2022, will provide clothing for women aged 8 to 12.

There is one way to use the store's credit card, even though it sells many clothes. The Maurices Credit Card is considered a "closed-loop" card since it can only be used at Maurices retail locations.

Two sign-up bonuses are available with the card

Most credit cards provide a welcome bonus, but new cardholders at Maurices get not one but two bonuses. To begin, if you make your first purchase with your new Maurices Credit Card on the same day that you sign up for it, you will be entitled to a discount of 15% off of that transaction.

In addition, new cards will earn a bonus of 100 points when they enlist in the Mymaurices loyalty program. Every 100 points earned is equivalent to a $5 reward voucher that can be used for a future purchase at Maurices.

While two bonuses are good, the 15% discount won't amount to much until you spend hundreds of dollars on your first order. In contrast, a standard cash-back credit card such as the Wells Fargo Active Cash Card provides the following benefits: After making purchases totaling $500 in the first three months, you will be eligible for a cash rewards incentive of $200.

You can gain double points, but you must keep track of when they will expire

Cardholders typically get one point for every dollar they spend using their card. On the other hand, there are days each month when you may get two points for every dollar you spend, known as "double points days." After you reach the threshold of 100 points, your points will be immediately converted into reward vouchers. Every point is worth $5 since 100 points equal a $5 reward voucher.

On the surface, it seems to be an excellent deal. That is, compared to certain retail cards and the industry norm of 1 cent per point from many cash-back and travel cards. Nevertheless, there is a significant catch: Customers may only redeem those points at Maurices, and will no longer be valid after a certain period.

If there is no activity in your my Maurices credit card account for twelve months, all points earned through purchases at Maurices will become invalid, and reward certificates are only good for ninety days after they are given. It is impossible to accumulate many reward certificates over time in preparation for making a single major purchase since reward certificates are given automatically for every 100 points you earn.

You will get further benefits in addition to a 10% discount on each transaction

When you use your Maurices credit card pay for your purchase, regardless of whether the item is on sale or clearance, you will get a discount of 10% of the entire amount. When you use the card to pay for anything in-store or online, the shop claims the discount is automatically deducted from your total.

Customers who have a Maurices Credit Card are eligible for additional benefits, including free delivery on all online purchases and no required minimum purchase amount. In addition to receiving a $10 voucher on their birthday, Card members are granted unique access to sales.

You are not going to want to carry a balance

High annual percentage rates (APRs) are standard for store credit cards, and the Maurices Credit Card is not an exception to this rule. This implies that you will be required to pay approximately $30 in interest costs for every $100 debt on the card at any time.