The LOFT Credit Card offers many benefits tailored to regular LOFT and Ann Taylor shoppers. Strong incentives like welcome bonuses and exclusive discounts present clear value.
In this article, you’ll learn how to apply for the card, understand its key perks, and evaluate if it fits your spending needs. You’ll also find helpful tips, rates, and contact details to make an informed decision.
How to Apply for the LOFT Credit Card?
Before applying for the LOFT Credit Card, meet all basic requirements. This ensures faster processing and a higher chance of approval.
You can apply entirely online through the official website. Here are the key details about the process.
Eligibility Requirements
You must be at least 18 years old with a valid Social Security number. A U.S. mailing address is required for card delivery.
Approval generally depends on your credit score, with higher chances for those above 640. Ensure your credit report is up-to-date before applying.
Online Application Process
To begin, go to LOFT’s credit card page. Select "Apply Now" and complete the required fields accurately. You’ll need to provide personal and financial information.
After submission, you may receive instant approval or a follow-up via email.
Card Delivery and Activation
If approved, your card will arrive within 7–10 business days. You must activate it through the issuer's portal or by phone.
Once activated, you can start shopping immediately. Keep your card information secure and monitor your transactions.
Sign-Up Bonuses and Immediate Rewards
The LOFT Credit Card provides instant savings after account opening. If you shop soon after activation, you can take advantage of multiple one-time discounts. These savings can add up quickly for new users.
Breakdown of the Welcome Offers
- $20 off your first LOFT purchase made within 24 hours of approval.
- $20 off at Ann Taylor when used within 24 hours of approval.
- An additional $20 welcome bonus is applied once you receive and use your physical card at LOFT.
These welcome rewards require a minimum online purchase of $20.01. Be sure to check the timing and location of your purchases.
Ongoing Perks for LOFT Credit Cardholders
Cardholders enjoy regular benefits designed to reward consistent shopping. These perks apply only when using the LOFT Credit Card. They help you save throughout the year and make each purchase more valuable.
Everyday Rewards
You earn 5 points per $1 spent on qualifying purchases at LOFT and affiliated brands. These points can later be redeemed for reward certificates.
The basic LOFT Credit Card has no annual fee. Redemption starts at 500 points for a $5 reward.
Special Offers
Every first Tuesday of the month, you receive 15% off purchases made with your LOFT Credit Card. You'll also get a birthday gift during your birthday month—often the most valuable promotion of the year.
Free standard shipping is available with qualifying purchases, but it excludes Alaska, Hawaii, and Puerto Rico.
Exclusive Benefits for LOFT Mastercard Holders
If you're approved for the Mastercard version, you unlock benefits outside of LOFT. This includes grocery, gas, and general spending rewards. It’s ideal if you want to earn points on everyday expenses too.
Additional Points Structure
- Earn 2 points per $1 at gas stations and grocery stores.
- Earn 1 point per $1 spent wherever Mastercard is accepted.
- These points are added to your LOFT rewards balance.
You’ll also receive a $20 bonus reward when you make your first qualifying non-LOFT purchase within 60 days of account opening. This gives you more flexibility in how and where you earn rewards.
Digital Wallet Support
The LOFT Mastercard works with Apple Pay for faster checkouts. Add your card to your Apple Wallet to streamline in-store or online transactions.
This also helps you track spending and adds a layer of security. Digital wallet support improves convenience for frequent shoppers.
Interest Rates, Fees, and Other Key Terms
It’s important to review the credit card’s cost structure. These include interest rates, late payment fees, and how they vary based on creditworthiness. Understanding these can help you avoid unnecessary charges.
Standard APR and Fees
- Purchase APR: Ranges between 25.99% and 30.24% variable.
- Late Payment Fee: Up to $41 if you miss the due date.
- Returned Payment Fee: Up to $30.
- No annual fee for the base LOFT Credit Card.
Disclaimer: Offers and rates are subject to change without notice. Make sure to read the full terms and conditions when applying. Welcome offers may not be available if you’ve had the card previously. Always double-check eligibility and timing for all bonuses.
Customer Support and Application Assistance
Getting help with your application or account is simple. LOFT provides dedicated phone numbers for both U.S. and international customers. You can also visit their online help center.
Contact Information
- U.S. Toll-Free: 1-888-563-8444
- International: 1-614-534-2756
- Website Support: loft.com/help/contact-us.html
Support agents can assist with application status, card activation, or billing inquiries. Make sure to have your reference number or account ID when calling.
Tips for Maximizing Your LOFT Card Benefits
Understanding how to use your card strategically increases the value you get. These tips help you take full advantage of both the LOFT Credit Card and LOFT Mastercard perks.
Best Practices
Using your LOFT Credit Card wisely ensures you earn the most from available perks. These habits will help you avoid fees and maximize rewards.
- Use the card on Tuesdays to get the 15% discount.
- Combine purchases to trigger free shipping and welcome bonuses.
- Monitor your reward point balance in your account dashboard.
- Use your birthday month offer before it expires.
- Set up alerts or auto-pay to avoid late fees and keep your account in good standing.
Final Thoughts: Is the LOFT Credit Card Right for You?
The LOFT Credit Card is a strong option if you frequently shop at LOFT or Ann Taylor. Its reward system, welcome offers, and bonus perks provide consistent value. You also benefit from flexible Mastercard options if eligible. Just make sure to pay your balance in full to avoid high APR charges.
Applying for the LOFT Credit Card can be a smart step if you’re ready to earn more from your fashion purchases.
