The Loft MasterCard


For People with
Fair Credit

REVIEWS

Reviews

The Loft MasterCard is 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.

Card Quick Facts

Card Quick Facts

  • Earn 5 points for every $1 spent at the Loft and affiliated stores
  • Earn 1 point for every $1 spent elsewhere
  • No annual fee

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • Earn 5 points for every $1 spent at the Loft and affiliated stores
  • Earn 1 point for every $1 spent elsewhere

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 24.99% (Variable)
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology None
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $35
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 24.99% (Variable)
Balance Transfer Fee 3%; Min:$10
Cash Advances

Cash Advances

Cash Advance APR 24.99% (Variable)
Cash Advance Fee 3%; Min:$10

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

Average rating:  
 5 reviews
by Patricia Darragh
Stay Away from this card

Card does not allow automatic payments, my card was rejected and told because I made 2 payments in one month and can be fraud. Customer service horrible....So sorry I changed from the loft card...

by Lisa McManus
Not Worth It

No reason exists to get a Loft MasterCard. I used to have a Loft Card and they had me switch over to MasterCard, but the card doesn't provide any of the benefits that every other card I have provides. No extended warranty protection. You can just earn credits toward purchases, and the rewards expire pretty quickly. Not worth it.

by zam
THE WORST CREDIT CARD

Not worth it. Stay away from this card !!!

by SueB
Cancelled card

I opened a Loft MasterCard about a year and a half ago. I went to use it at the store and the sales associate informed me the card had been cancelled but she was able to re-activate it. I did not cancel the card and just assumed it was because the card had not been used for a while. That is what the sales associate thought, too.Last week, I received a phone call from Mastercaed that I had a balance overdue. When I called to question why I didn’t receive a statement, the associate said I was set up to receive paperless statements. I never chose that option. In addition, they had 2 phone numbers on file that were incorrect- they were numbers I have never held. So, several mess-ups plus a very rude customer service agent means goodby Loft MasterCard.

by Katelyn
Worst CC

Worst card "upgrade" ever!!! Had a loveloft card for 6 years.. one of my oldest accounts. Girl at the store told me it's the same account, same number, same everything! Fast forward- ITS NOT the same anything... my old account was CLOSED. Customer service telling me one thing and the manager at the store telling me "that's how we're trained, it's supposed to be the same" I said "well it's not!!" There is a huge disconnect when "selling" this credit card to customers vs. what ACTUALLY takes place. So now I have a brand new account on my credit report which I never wanted! Don't fall for this!

The Insider

Ellen Sirull
Can You Rent a Rental Car With a Debit Card? Why You May Want to Reconsider
Ellen Sirull | May 23, 2019

Many rental car companies allow you to rent with debit cards, with some restrictions, but is it really a good idea compared to credit cards? Find out here.

Read More
Sean Messier
How Can I Easily Stop Getting So Many Credit Card Offers In The Mail?
Sean Messier | May 23, 2019

Tired of pre-approved credit card offers? Find out why you're getting them, how to opt out, and why these offers might actually be worth your time.

Read More
Susan Shain
7 Best Credit Cards for Building Credit
Susan Shain | May 22, 2019

Just starting your credit journey and looking for the best credit cards to build credit? Here are seven solid options — some even with cash back rewards!

Read More