The Loft Mastercard

For People with
Fair Credit



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.

Card Quick Facts

Card Quick Facts

  • 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

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 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
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 27.24% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 26.99%
Balance Transfer Fee 5%, $10 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee 3%, $10 minimum

Card Benefits

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

  • $15 Birthday Gift

    On one in-store purchase during the month of your birthday.

  • 10% Off Tuesday

    On the first Tuesday of every month.

  • Free Standard Shipping

    Get free standard shipping with every purchase of $75 or more.

  • Double Point Days

    Choose two days per year and get double points on each day.

  • Mastercard Benefits

    This card comes with Mastercard benefits. You will be provided with a list of benefits available to you once you get approved for your card.

Visitor Reviews

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

Submit your review

Create your own review

Average rating:  
 6 reviews
by Geet
Most horrible card

The most horrible customer service and card conditions..never ever go for this card

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

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.

Page 1 of 2:

The Insider

Susan Shain
6 Best Credit Cards for International Travel
Susan Shain | Aug 16, 2019

Heading abroad soon? Then check out this list of the six best credit cards for international travel — they'll have you traveling in style in no time.

Read More
Sean Messier
How to Build Credit: 5 Ways to Increase Your Credit Scores
Sean Messier | Aug 15, 2019

Using a credit card is far from the only way to build credit. Here, we explore several ways to establish, repair, and improve your credit scores.

Read More
Sean Messier
What Happens If You Don’t Activate a Credit Card?
Sean Messier | Aug 12, 2019

Even if you didn't activate a new credit card, the account is probably open and affecting your credit scores. Read this to learn what to do next.

Read More