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Ann Taylor LOFT Credit Card

Ann Taylor LOFT Credit Card
Required Credit Score: Excellent, Good
2 181 reviews   Write a Review!
Existing Cardholders

Ann Taylor LOFT Credit Card's Rewards

Base Earn
1 point/$1
Max Earn
5 points/$1
Earn / Redeem Limit
  • Receive 15% off when you open and use a LOVE LOFT MasterCard at LOFT,, Ann Taylor,, LOFT Outlet and Ann Taylor Factory Store.
  • Get 5 LOFT Love Rewards points for every $1 spent at LOFT,, LOFT Outlet, Ann Taylor, or Ann Taylor Factory Stores.
  • Get 1 LOFT Love Rewards point for every $1 spent outside of LOFT or Ann Taylor.
  • The Royal Treatment on your Birthday: $15 off one in-store purchase during your birthday month.
  • 10% off every first Tuesday of the month (LOFT and
  • Earn $20 LOFT Love Rewards Card for every 2,000 points earned. Use it for any in-store or online purchase.

Ann Taylor LOFT Credit Card's Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Not Offered
Regular Rate
24.99% (V)

Ann Taylor LOFT Credit Card's Additional Info

  • MAX LATE FEE   $35
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   23 days
  • CASH ADVANCE RATE 24.99% (V)
  • CASH ADVANCE FEE 3% (min $10)
  • Online account management.
  • No annual fee.
  • The LOVE LOFT MasterCard is issued by Comenity Bank pursuant to a license from MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.
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Ann Taylor LOFT Credit Card Reviews

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Overall Rating: 1.8 / 5
Total Ratings: 181
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Apr 1, 2014
Photo of Samantha M.
I think if you shop at Ann Taylor a lot you will like this card. You do however, have to be careful of a few things. Their interest rate is at 24.99%! Which is a bit higher than most regular cards. Also their late fee of $35 is also high. If, like me, though you make a purchase and pay it off right away you won't incur any of that, but you still get all the perks! 15% off your first purchase, 5 points for every dollar spent and on your birthday you get $15 off in store on one purchase that month. I'd say get it if you shop more
Mar 20, 2014
Photo of Vin S.
I am very interested in the Ann Taylor Loft credit card and I have asked several friends their opinions. Unfortunately, I do not know anyone who has actually used this card. The percentage rates seem average since the benefits and perks are nice. I was excited to see “The Royal Treatment” discount on your Birthday which is $15 off one in-store purchase during your birthday month and also 10% off every first Tuesday of every month at LOFT and A downside is I noticed the grace period is 23 days whereas many of my other cards are 30 days. I guess that is better than a shorter 3-7 days more
Mar 11, 2014
Photo of Sean G.
The Ann Taylor LOFT credit card has a rather high interest rate in comparison to say the Chase Sapphire Rewards card. Its regular rate is 15.99% that's nine percentage points less!! However, I suppose if you shop at LOFT or Ann Taylor a lot then it might be worth getting this card's rewards.
Feb 13, 2014
Photo of Cara N.
The Ann Taylor LOFT credit card is just ok. I do not like the fairly high interest rate at 24.99% or the $35 late fee that this card charges. If you shop at Ann Taylor a lot and use the card only for the store, then it may be worth it to get this card. It does give a 15% introductory offer and up to 5 points for every dollar spent, so there are some perks to this card if you think you would use it often. Carrying a sizeable balance on the card if not paying it off every month would not make the few rewards you get worth more
Jan 29, 2014
Photo of Brandon H.
If you shop at Loft or Ann Taylor, either online or in store, then you need to get the Ann Taylor LOFT Credit Card. The 15% off when you open and use the card is a great deal. Then they have a whole bunch of bonuses and rewards for spending in store and unlike a lot of other cards they have a reward for when you shop elsewhere. You will save a ton of money if you shop at those stores and use this card.
Jan 29, 2014
Photo of Sean P.
If you really like Ann Taylor then why aren't you getting this card? The 15% is enough to make me get the card. I've saved probably thousands of dollars on this card. The best part about it though is that you're not just getting 15% off but you're also accumulating points for it as well. I'm so glad I got this card.
Dec 26, 2013
Photo of Sarah M.
As far as in-store rewards cards go, the Ann Taylor LOFT Credit Card is just "OK". There are some things about it that I really enjoy- namely, there's no annual fee to use it. This is good, because most people are not going to shop at Ann Taylor enough to really rack up points using this card. I do appreciate the fact that they'll give you a discount once a year, but I would really like to see more cash back rewards, especially since you have to have pretty amazing credit to get this card in the first place. I can think of several stores with better store cards, namely more
Dec 11, 2013
Photo of Frank O.
I like, with the Ann Taylor card, the initial 15% discount bonus. This is great for initial purchases. The fact that you can earn up to five points per dollar is a great addition, as well. The interest is rather high, however. Even for a store credit card.
Dec 8, 2013
Photo of Chelsea M.
In my opinion The Ann Taylor LOFT Card is one of the best out there. I used this card to purchase my mothers birthday presents and i got a whopping Fifteen percent off my first purchase. Although it does have a high 25 percent interest rate its comparable to others in the field and the same as The Macy's Store Credit Card. I've recommended this card to several coworkers who love it as well. I love the 5% you earn back while shopping at LOFT or any other Ann Taylor stores and im a frequent visitor to their shops.
Nov 25, 2013
Photo of Jason L.
I originally signed up for the Ann Taylor LOFT credit card while Christmas shopping. The first purchase got me huge discount of 15 percent and seemed worth my time. Once I got it home and took a look at the paper work I realized it wasn't a bad card. Compared to my Macy's credit card the interest is the same 25 percent which is about average for a store card. It doesn't have any yearly fees and the discounts and savings really add up if your wife/girlfriend do a lot of shopping in the store. All and all it's a good card just make sure to pay it off at more
Nov 21, 2013
Photo of Joseph G.
The Ann Taylor card is one of the best merchandise cards out there. If there is a college girl in your house who loves fashion and keeps up to the latest trend, this card is a must have! 15% off when we use the card at any Ann Loft store is a real steal! No annual fee means I can use the card as and when needed without any compulsion. The interest rates, the discount offers and the reward points are far better than what the Eddie Bauer card offers. Moreover, we get a loyal treatment for our birthdays, which is definitely exciting! I simply love the card for the more
Nov 16, 2013
Photo of Ann R.
The Ann Taylor Loft card offers decent rewards for anyone who does a large portion of their clothing shopping at either Ann Taylor or the Loft. The incentives to shop within these establishments are notable: an initial discount, five times the points for store purchases, and bonuses on the first Tuesday of every month (also no earning limits). I am particularly fond of the birthday "gift", which offers $15 during your birthday month! I would personally prefer a card with more universal perks, such as the Amazon card, which give bonuses for routine purchases such as gas and groceries.
Nov 8, 2013
Photo of Princess L.
The Ann Taylor Loft credit card is like many other store credit cards for the most part with a few unique twists. It offers the standard initial 15% discount for purchases on the day you open the account. There is a premium point accrual of 5 points for every $1 spent in their regular stores and a 1 point for $1 spent at their other stores. The interest rate is pretty standard at 24.99%. There is no intro apr offer available. Grace period is a little short at 23 days vs 28 days. No annual fee is a nice touch. I really like the birthday discount that can be used more
Nov 5, 2013
Photo of Richard T.
Similar to many other store cards, the Ann Taylor LOFT card offers a token amount of rewards points for general shopping but 5 points per dollar when spent at LOFT and other Ann Taylor stores, including the online shops. The interest rate is high, as are those of most store cards, but it has some small perks that help it stand out from other cards, such as 10% off on certain days both in store and online when you use the card, as well as a small discount on an item during the month of your birthday. Refrain from keeping a balance on the card, but if you're a frequent more
Oct 29, 2013
Photo of Jacoby G.
The Ann Taylor Loft Credit Cards provides a respectable rewards program, offering 1 point per dollar spent on everyday purchases, and up to 5 points per dollar on qualified purchases. Unfortunately, the rewards on this card typically don't compare to something like my American Express Blue Cash Preferred card which offers up to 6% cash back, with extra cash back on gas. The Ann Taylor credit card charges no annual fee. The interest rate for the Ann Taylor credit card is absolutely awesome at a base of 24.99, it's definitely not the card to use as your daily driver.
Oct 24, 2013
Photo of Stephen M.
The Ann Taylor LOFT Credit Card is your typical store credit card. It has a not so nice interest rate (24.99 percent), which is always a turn off, but if you use it strictly to shop at Ann Taylor LOFT, you will be better off. It offers 15% off your order when you open and use the card, and then you get deals on the first Tuesdays of every month. In addition, you get 5 points for every dollar spent at any LOFT location, and any non-LOFT location, just 1. The L.L. Bean Credit Card offers a similar program in terms of reward points, but it has a significantly better more
Oct 21, 2013
Photo of Bela K.
The Ann Taylor Loft Card is a pretty basic store card that offers many things that other store cards offer. There are a few bonuses I enjoyed when I first signed up for example, when I first got my card I got 15% off my first purchases. This is a nice bonus. There is also a points system where you get one point for every dollar you spend. I also enjoy this benefit. The fees are standard; a horrible 35 dollar late fee along with bad, but all too common interest rates that exceed any rational point the company is trying to make. Overall a good card that I would more
Oct 12, 2013
Photo of Jeremy A.
This is your standard retail credit card. Honestly, these kinds of cards are really only good if you shop at this store and this store only. You do earn accelerated points toward gift cards for this chain, but honestly this is one of those really high end (price) clothing stores, and to boot it carries a typical high APR. Is it worth it? I don't really think so.
Oct 3, 2013
Photo of Pascal J.
The Ann Taylor LOFT credit card seems about par for the course when it comes to in store cards. Most stores offer a bonus around 15% off purchases when you first sign up for the card, and I have seen more than one store offer perks on your birthday. Also, the APR of 25% is about what I normally see for in store cards. For example, Lord and Taylor offers a rate of about 25% while TJX is a little higher at 27%. The max rewards of this card, 5 points per dollar, is a little higher than some that I have seen, but really this card is only useful more
Sep 27, 2013
Photo of Janet P.
The Ann Taylor loft card is a nice option if your are an avid shopper of their products but if not then there is no real reason to get this card. The interest rates are nothing special when compared to some of the other more common credit cards and you do not receive any other perks when you use the card anywhere but their website/store. You would be better off just signing up for a card that you will be able to use anywhere and still be able to improve your credit. The reward points are decent value though if you are an avid shopper here.
Sep 18, 2013
Photo of Ashley L.
The Ann Taylor LOFT card may be an interesting option for those of you who are addicted to LOFT, however there are most certainly better options for rewards store cards available. Regular purchase interest rate is nearly 25% which is astronomical, so if you are interested in this card I would certainly watch your spending habits and pay in full every month or this card has the ability to hit your wallet quite hard. If you were considering a large purchase at Ann Taylor, this card would give you a whopping 15% off your first purchase, but everything after is downhill.
Sep 12, 2013
Photo of Sheryl P.
For a store card, the Ann Taylor Loft Credit Card does a lot of things right. Similar to other store cards like the Target RED card, they give you 5% back on all your purchases made in store or online with 1% back on every day purchases elsewhere. It's enough of a bonus to really make this card worth it if you frequently shop at Ann Taylor Loft. On top of that, the sign up bonus is pretty good with 15% off your first purchase, and they do give you some bonuses on your birthday as well such as coupons for $15 off. Consider this card if you are a more
Aug 30, 2013
Photo of Sara G.
The Ann Taylor Loft card is like a lot of store-based credit cards. If you shop there a lot, great, you'll get good rewards and have a place to use them. If not, it seems like the pros do not outweigh the cons. For example, the interest rate of 24.99% percent is pretty outrageous and much higher than many store-based credit cards. Also, you only get Loft reward points for all your spending. Again, if you shop almost exclusively at Ann Taylor, this would make sense. If not, there are other cards that are worth having that don't carry the steep interest rate this one days. For example, the REI more
Aug 22, 2013
Photo of Lydia W.
The annual percentage rate of 24.99% is pretty steep compared to other “user reward” type cards. (For example, the Kroger Rewards Visa APR is 13.99% - 23.99%). If you shop a lot at Loft stores, this may be worth it to you. You get an awesome 15% off of your first purchase with your Ann Taylor Loft Mastercard, and then you get 5 Loft Love Reward Points for every dollar you spend in Loft stores! Combine that with the 10% discount at Loft and stores on the first Tuesday of every month, and that’s some serious savings! Don’t forget the Royal Treatment on your birthday. $15 off one in more
Aug 6, 2013
Photo of Pat E.
This Ann Taylor LOFT card seems like a good idea if you shop at LOFT, like any store-specific card, but other than that it appears to be rather unappealing. As you can see with the reward details, you get bonuses very specific to shopping at LOFT and LOFT only, such at 10% off once a month. The reward points system doesn't seem too bad, compared to what I think other rewards cards provide (though I only have experience with an Amazon rewards card). And yet this card has a pretty high APR at 24.99%, and really not much else going for it. I could see spending a lot at LOFT more
Aug 1, 2013
Photo of Stephen B.
The Ann Taylor LOFT Credit Card may seem like a good option for people who shop at LOFT pretty often, but it's not. It has a decent rewards program offering you up to 5 points per $1 spent but the card simply fails everywhere else. The egregiously high 24.99% rate is very much cause for concern. If you shop at LOFT often, I can see you having this card just for the LOFT rewards that accompany it. It seems like a decent rewards system for people who do like to shop there, so I'll give it that much. If, however, you decide to use this card elsewhere, I think it more
Sep 14, 2012
Photo of Megan W.
This card is nice for savings off the first purchase. You also get coupons in the mail and offers for cardholders. The APR is kind of high, but in line with other retail store credit cards. I would recommend not carrying a balance on this card because you will waste all of the good deals from your coupons and savings when you have to pay that interest charge. You can pay your bill online, by mail and in store so that is convenient. They usually have really good deals on nice clothing so, paired with this card you can save a lot. Otherwise, I don't think the card has a more
Feb 15, 2012
Photo of Joe W.
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, more
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Last updated on: Apr 1st, 2014 at 2:51 EDT