An accessory-retaining neck scarf that includes: a scarf, one or more reinforced apertures and an accessory strand. The scarf is formed as an elongate web for wrapping around a wearer and has a length between first and second ends and a width between first and second sides. The reinforced apertures form openings from one exterior surface of the scarf to the opposing exterior surface. The accessory strand extends along at least a portion of the lengthwise extent of the scarf and weaves continuously through one or more of the apertures.