Skip to content

The Loft Mastercard

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

Our rating
Credit range: Fair
Annual Fee: $0
Regular APR: 27.24% Variable

The Loft Mastercard

Our rating
Fair Credit range
$0 Annual Fee
Apply Now

Highlights & Features

Rewards

  • 5X points per dollar spent at the Loft and affiliated stores
  • 2X points per dollar spent on:
    • Gas
    • Grocery
  • 1X point per dollar spent elsewhere

INTRODUCTORY BONUS

15% discount after using the card the day you're approved; $20 Rewards Card for using your card outside of Loft and affiliates in the first 60 days

Balance Transfers

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 None
Regular Balance Transfer APR 26.99%
Balance Transfer Fee 5%, $10 minimum
How to Transfer a Balance on a Credit Card

Fees

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%
Learn About Types of Credit Card Fees

Cash Advances

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
How to Get a Cash Advance with a Credit Card
The Loft Mastercard

Highlights

  • Earn 5X points per dollar spent at the Loft and affiliated stores
  • Earn 2X points per dollar at gas stations and grocery stores
  • Earn 1X point per dollar spent elsewhere
  • 15% off your first purchase on the day you’re approved
  • 2 double points days per year
  • $15 birthday gift card in store on your birthday
  • Free standard shipping with purchases of at least $75 dollars
  • Get 15% off the first Tuesday of every month
  • No annual fee
ABOUT THE ISSUER

Comenity Capital Bank

Comenity Capital Bank has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-907-5612 or

Try a different phone number
See all Issuer Cards

The Loft Mastercard is also known as the Loveloft Mastercard. It’s a step up from the Loft Credit Card since you can earn rewards outside of the Loft stores with it.

This card earns 5X points per dollar spent at Loveloft 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 Loveloft, 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.