| Rewards | Earn rewards points on LOFT purchases (typically around 2 points per $1 spent) and access member-only perks like exclusive sales, bonus point events, and birthday rewards. Rewards are usually redeemed as store credit or certificates. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | N/A |
| Cash Advance Fee | N/A |
| Late Payment Fee | Up to $41 |
| Purchases APR | Very high variable APR, typically around 30%–34%+ depending on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The LOFT Credit Card is a store-branded card issued by Comenity Bank, built for shoppers who frequently buy from LOFT and want extra savings through store-specific rewards and promotions rather than traditional cash back.
Most users say they like the regular access to exclusive discounts, early sale alerts, and bonus point events that can make LOFT purchases noticeably cheaper. Many reviewers mentioned that the first-purchase discount and ongoing promotional offers are the biggest draws, especially for people who already shop the brand often.
On the downside, many reviewers point out the very high interest rate, limited usefulness outside LOFT, and the fact that rewards are tied to store credit rather than flexible cash back. Others also feel the benefits depend heavily on frequent shopping and timing promotions correctly, which can be inconsistent.
Personally, I think the LOFT Credit Card is best for loyal LOFT customers who shop regularly, stack discounts, and always pay their balance in full. If you want a card with broad rewards, travel perks, or flexible redemption options, a general cash-back credit card will almost always be the stronger long-term choice.
RATE THIS CREDIT CARD
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Fun Fashion Perks but Limited Use
I love the loft card for the cute clothes and member only discounts, but high interest and restricted rewards outside loft made it feel more like a niche buy now tool than a useful everyday card.
