Maurices stores are often located in shopping malls and smaller towns, making them popular destinations to most people. And if you are one of the shop’s loyal customers, you might have been offered a Maurices credit card before. But should you get it?
Maurices Credit Card
Intro Bonus: 15 off + 100 Bonus Points
Regular APR: 26.99%
Credit Score: Fair to Good
Annual Fee: $0
Highlights:
- Opening an account will give you a 15% off on your first purchase and 100 bonus points.
- Each dollar spent using the Maurices credit card will provide you with 1 point.
- You need a total of 100 points to produce a $5 Rewards Certificate.
- The Rewards Certificate will expire after 90 days.
- The regular APR of the card is 26.99%.
Maurices Credit Card Review:
A store credit card is an effective tool to get good deals in your favorite shops. The Maurices credit card is one of them. It is a closed-loop credit card with a $0 annual fee, and its applicants only need a fair to good credit score, so getting approval can be easy for most shoppers.
The introduction bonus of the card comes in the form of a 15% discount that you can apply on your first purchase. As a plus, you can get a total of 100 bonus points that you can use for your future purchases. However, despite the combination of the said offers, the overall welcome bonuses the card offers seem a bit feeble compared to other store cards in the market. Fortunately, it makes up in other sections that can benefit you in the daily use of the card.
Maurices credit card helps you get a 10% discount on your purchases in-store and online.
Maurices credit card offers an unlimited 10% off every time you use it on your Maurices purchase in-store and online. It even works with sale and clearance items, and you can take advantage of the card’s free shipping with no minimum purchase. It also offers other benefits to its users, such as exclusive access to sales and offers, a $10 off birthday bonus, double points events every month, special cardmember-only invitations, and more.
The points you can earn from the store’s program are convertible to a $5 Rewards Certificate.
Besides the discounts and the benefits mentioned above, Maurices credit card also provides point rewards. For each $1 you spend, you can receive 1 point. And once you have reached a total of 100 points, you can convert them to a $5 Rewards Certificate. However, cardholders must remember to use the Rewards Certificate as soon as it is issued. While the points can last up to 12 months, the certificates have a shorter validity span of 90 days. Also, note that you can only redeem up to a total of six Rewards Certificates on an authorized purchase.
On the other hand, the card’s regular APR is relatively high at 26.99%. It also has penalty fees that can cost up to $40. Failing to pay your entire balance by the due date each month can mean a considerable interest charge, and it can even affect your credit score.
In the end, is it really worth having the Maurices credit card? For loyal Maurices shoppers, the card is a true gift. The daily 10% discount and 1-point-per-dollar reward are incredible, but the redemption and application of these benefits are just limited to Maurices products. If you often shop your clothing at the store, it is acceptable. If not, enjoying the rewards program to the fullest seems impossible. In this case, general rewards cards might benefit you more, especially those from Wells Fargo, Citi, Capital One, Bank of America, Discover, Amex, and Chase. These cards will help earn points anywhere you use them, but most of all, they provide versatile redemption options for your points: discounts on airfare and hotels, gift cards, cashback, and more.
