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Ann Taylor LOFT Credit Card

ann taylor loft credit card
Required Credit Score:
Excellent, Good
2 216 reviews   Write a Review!
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Ann Taylor LOFT Credit Card’s Rewards

Bonus
15%
Base Earn
1 point/$1
Max Earn
5 points/$1
Earn / Redeem Limit
No
  • Receive 15% off when you open and use a LOVE LOFT MasterCard at LOFT, LOFT.com, Ann Taylor, ANNTAYLOR.com, LOFT Outlet and Ann Taylor Factory Store.
  • Get 5 LOFT Love Rewards points for every $1 spent at LOFT, LOFT.com, LOFT Outlet, Ann Taylor, AnnTaylor.com 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 LOFT.com).
  • 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)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 3%

Ann Taylor LOFT Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   None
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 24.99% (V)
  • CASH ADVANCE FEE 3% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • SMART CHIP   No
  • Online account management.
  • 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: 2.0 / 5
Total Ratings: 216
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Dec 19, 2014
Photo of Nick T.
3
By:
Dec 19, 2014
I like that this card allows you to earn rewards if you shop at LOFT. I know my girlfriend would really like this perk. However, the APR seems high, and the card is too specific for the "general" user.
Nov 18, 2014
Photo of Ryan H.
3
By:
Nov 18, 2014
The Ann Taylor LOFT Credit Card is only good for people that shop at Loft as their primary store. The benefits include 15% off when you open the card and 10% every first Tuesday of the month. I suggest only using this card at LOFT because a lot trouble with this card seems to be happening when you use this card at other stores or restaurants. Overall, the card gives great discounts for at the LOFT, and is only recommended for card holders who are looking to shop at LOFT significant amount of times in a month.
Oct 27, 2014
Photo of Matty D.
4
By:
Oct 27, 2014
This card is only for people with an excellent or good credit score. Once accepted though, the Ann Taylor Loft credit card, you can earn 5 loft love reward points for every dollar you spend at LOFT, LOFT.com, LOFT Outlet, Ann Taylor, AnnTaylor.com or Ann Taylor Factory Stores. You'll also get 1 bonus point for every dollar you spend at any other store. You get $15 off one in store item during the month your birthday falls in. Earn a $20 Love gift card for every 2,000 loft love bonus points you acquire.
Oct 6, 2014
Photo of Megan R.
1
By:
Oct 6, 2014
I have been a loyal Loft shopper and Love Loft Mastercard user for several years – I used it as my primary card and have always enjoyed the rewards. However, earlier this year I experienced my first real problem with the service – I went to pay at a restaurant and had the card embarrassingly declined. I called the hotline to see what the problem was, and they told me that my card was part of some compromised information and that it was frozen. They said they would send a new one in a few days. Firstly, I was upset that they didn’t contact me to tell me about the more
Oct 3, 2014
Photo of Carrie S.
4
By:
Oct 3, 2014
I shop at Loft a lot, so the Ann Taylor Loft credit card is really great- the monthly discounts and reward cards are awesome. The points-to-dollars ratio is pretty good, it definitely pays off if you shop at Loft a lot (shop, get points, get gift cards, shop more, the cycle continues). I think APR is pretty standard, at least compared to my other cards.
Sep 10, 2014
Photo of Ashley R.
4
By:
Sep 10, 2014
This Ann Taylor Loft credit card seems comparable to most store cards with decent perks. It has a typical APR but with some good perks and no annual fee, like the Victoria's Secret Angel card does. I like store cards like this that give you money for every so many points you earn with them. Some store cards dot do that, and it doesn't really make sense to have a card specifically for that store if you don't get any rewards from it. So all in all I think I would like this card.
Sep 10, 2014
Photo of Justus J.
4
By:
Sep 10, 2014
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 LOFT.com. 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
Sep 2, 2014
Photo of Chaya N.
1
By:
Sep 2, 2014
Horrible card. They require that the payment is sent in by 1pm PST and will not allow payments without a fee after that time. Then they charge a late fee for the amount of your minimum payment. Horrible customer service, horrible card. Not worth the time or hassle.
Aug 31, 2014
Photo of Junwen Z.
1
By:
Aug 31, 2014
Poor customer support, continuously selling you the product from the bank.
Poor online account management portal, wasting my time operating on that!
Aug 15, 2014
Photo of Spencer V.
2
By:
Aug 15, 2014
The LOFT Credit Card has some good features as well as some drawbacks. The bonus options are great for frequent shoppers of these stores, but the percentages are very, very high, even for a brand-specific card like this. The 10% bonus off every first Tuesday is a unique bonus that will appeal to frequent shoppers.
Jul 21, 2014
Photo of Ed V.
3
By:
Jul 21, 2014
The Ann Taylor LOFT Credit Card is OK. The 10% off every first Tuesday is a nice feature.
Jul 7, 2014
Photo of Philip K.
2
By:
Jul 7, 2014
While the LOFT credit card appears like a fantastic option to first, I would caution people against enrolling in the program. While there are a lot of options to earn rewards (5 pts for each $1), and it is accepted at nearly every LOFT retail venue, the ~25% interest rate is pretty concerning. If you shop at LOFT fairly exclusively, and are EXTREMELY diligent about paying off the balance each month, that might justify the risk-reward ratio. Otherwise, I would probably advise against it.
Jul 1, 2014
Photo of Liz N.
5
By:
Jul 1, 2014
This is my go-to store for clothes for work, and the card makes it even easier to pick up a new outfit when I need one. I can always find great clothes that are stylish, professional, and comfortable at Loft. Further, while the store's prices seem high on first glance, the card enables me to get frequent and excellent discounts via coupons and in-store promotions. (You might be able to save even more if you are a teacher, and there is also a nice discount for educators). While the APR is a bit high if you don't pay your full balance, this card can help you get some great outfits more
Jun 2, 2014
Photo of James J.
4
By:
Jun 2, 2014
I think it is great that you 15% off when you use the Ann Taylor Loft Card at any of the following stores: LOFT, LOFT.com, Ann Taylor, ANNTAYLOR.com, LOFT Outlet and Ann Taylor Factory Store. The rewards are excellent and their is no redeem limit. I think the 3% balance transfer fee is pretty good. I would give this card a 5 star rating if the regular APR rate was a little lower. But there are still some good things about this card. You are not going to want to pay the late fee at $35 either.
May 16, 2014
Photo of Aaron V.
4
By:
May 16, 2014
I like the points you can earn on this card but the APR is very high for a credit card. However, I would reccomend this card to anyone who shops at these stores.
May 6, 2014
Photo of Rebecca C.
2
By:
May 6, 2014
The terms of the Ann Taylor LOFT Credit Card are just OK. I do like is the low max late fee of $35. I also like that there is no annual fee. That type of fee is the kind of thing that sneaks up on you, especially if you haven't used the card in a while. The max penalty APR of 29.99% and regular APR of 24.99% is every high. Higher than the clothes store card I used to have. The cash advance fee is also high but thats a feature I would never use any way. The fee for foreign transaction seems reasonable but I'm not sure how often more
Apr 30, 2014
Photo of Richard D.
4
By:
Apr 30, 2014
The Ann Taylor Loft card I a very good card to have for those who enjoy this store, and online shopping offers some great discounts too with this card. The credit limit is a bit more generous than cards such as Macys which is pretty low.
Again, a necessary card if this is where you shop.
Apr 1, 2014
Photo of Samantha M.
4
By:
Apr 1, 2014
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.
4
By:
Mar 20, 2014
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 LOFT.com. 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.
2
By:
Mar 11, 2014
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.
2
By:
Feb 13, 2014
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.
5
By:
Jan 29, 2014
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.
5
By:
Jan 29, 2014
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.
3
By:
Dec 26, 2013
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.
4
By:
Dec 11, 2013
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.
5
By:
Dec 8, 2013
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.
4
By:
Nov 25, 2013
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.
5
By:
Nov 21, 2013
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.
2
By:
Nov 16, 2013
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.
4
By:
Nov 8, 2013
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.
3
By:
Nov 5, 2013
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.
2
By:
Oct 29, 2013
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.
2
By:
Oct 24, 2013
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.
4
By:
Oct 21, 2013
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.
2
By:
Oct 12, 2013
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.
3
By:
Oct 3, 2013
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.
3
By:
Sep 27, 2013
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.
2
By:
Sep 18, 2013
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.
4
By:
Sep 12, 2013
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.
2
By:
Aug 30, 2013
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
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Last updated on: Dec 19th, 2014 at 4:42 EST