Ann Taylor Loft Credit Card
- Minimum Credit Required:
Excellent, Good - Annual Fee:
None - Network: MasterCard
| Initial Bonus |
Base Earn |
Max Earn |
Earn / Redeem Limit |
- Get 5 LOFT LOVE REWARDS points for every dollar spent in-store or online at LOFT or Ann Taylor.
- Get 1 LOFT LOVE REWARDS point for every dollar spent outside of LOFT or Ann Taylor.
- Earn a $20 LOFT LOVE REWARDS card for every 2,000 points earned. Use it for any in-store or online purchase at LOFT or Ann Taylor.
- The Royal Treatment on your Birthday: $15 off one purchase during the month of your birthday.
- 10% off every first Tuesday of the month.
| Intro Rate |
Intro Period |
Regular Rate |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate24.99% | Balance Transfer Fee |
| Cash Advance Rate |
Cash Advance Fee |
- Exclusive offers and sneak peeks.
- Online account management.
- No annual fee.
- If you apply in store, receive 15% off the entire day at any LOFT or Ann Taylor store with your First Day Discount (in store only).
- Max Late Fee:
$35 - Max Overlimit Fee:
None - Max Penalty APR:
24.99%
- Grace Period:
23 days - Online Response:
No - Foreign Transaction Fee:
None
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The card information shown on this page was last updated: May 3rd, 2012 at 8:13 EDT
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So does the Ann Taylor Loft Credit Card offer basically the same terms as the Ann Taylor Credit Card, but for a lower annual fee. If the differences between what the stores themselves are any indication, the answer is yes, but why don’t we see what the Ann Taylor Loft Card has to offer (I’ve already reviewed the Ann Taylor Credit Card). The Anne Taylor Loft Credit Card offers 5 Loft Love Rewards points for every $1 you spend at either Ann Taylor or Ann Taylor Loft (in store or online), 1 Loft Love Rewards point for every $1 you spend elsewhere, $15 off one purchase during your birthday month, and 10% off every first Tuesday of the month. The only ways the Ann Taylor Loft Credit Card’s terms differ from those of the Ann Taylor Credit Card is the fact that you get the Tuesday discount with the Loft Credit Card, but you do not get the 15% off discount the first time you use your card that the non-Loft Credit Card offers. When it comes to interest rates, the Anne Taylor Loft Card and the Ann Taylor Card are identical; neither offers 0% on purchases or balance transfers, and both have a 24.99% regular rate. Which one should you get? Well, 10% off the first Tuesday each month seems a lot better than 15% off the first time you use your card, so I’d go with the Ann Taylor’s Loft Credit Card. That is if you spend a lot on Ann Taylor stuff every month. If you don’t, a generic rewards credit card would be a better option. The Blue Cash Everyday Card from Amex gives you 3% off at supermarkets, 2% at gas stations and department stores, and 1% on everything else. The Chase Sapphire Preferred has an initial bonus worth $625 in travel or $500 in cash.