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A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
Intro Balance Transfer APR | N/A |
Regular Balance Transfer APR | 26.99% |
Balance Transfer Fee | 5%, $10 minimum |
Penalty APR | N/A |
Late Fee | Up to $39 |
Returned Payment Fee | Up to $25 |
Additional Cards Annual Fee | N/A |
Foreign Transaction Fee | 3% |
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
Cash Advance APR | 27.24% Variable |
Cash Advance Fee | 3%, $10 minimum |
Comenity Capital Bank has several card types depending on your needs.
You can usually pay your bill online on your
Credit card issuer's websiteThe All Rewards Mastercard was previously known as the Loft or Loveloft Mastercard. It’s a step up from the All Rewards Credit Card since you can earn rewards outside of Loft stores with it.
This card earns 5X points per dollar spent at Loft and Ann Taylor, 2X points per dollar spent on gas and groceries, and 1X point per dollar spent on everything else.
If you love shopping at Loft, you’ll enjoy some nice perks like 15% off your first purchase on the day you’re approved, 15% off every first Tuesday of every month, a $15 birthday gift card, 2 double point days per year, and free standard shipping on orders over $75.
This card has no annual fee.