LOFT Credit Card

Synchrony Pending

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11

Benefits

2

Reward Categories

2x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: loft-credit-card

Issuer: Synchrony

Card Name: LOFT Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 15:19

Last Scraped: Feb 17, 2026 15:22

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
LOFT & Associated Brands 2x Points Purchases made at LOFT, Ann Taylor, Ann Taylor Factory, LOFT Outlet, and Lou & Grey stores and online. No Cap
All Other Purchases 1x Points Purchases made everywhere else Mastercard is accepted (applies only to the LOFT Ann Taylor Mastercard). No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 2x

Bonus Rate: 6x

Categories: Purchases at LOFT, Ann Taylor, Lou & Grey, Ann Taylor Factory, LOFT Outlet stores and online

Quarterly Rotating: No

Expiration Policy: Points expire 12 months from the date they are earned. Reward Cards expire 45 days from issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Reward Cards cannot be used for gift cards, previous purchases, or as payment on your credit card account. No cash value. May not be combined with certain other offers or discounts.

Benefits & Protections (Detailed) 11 Total
PENDING
Lifestyle 1
Birthday Reward
$15 Reward

Cardmembers receive a special reward during their birthday month.

Rewards 3
Base Points Earning
5 points per $1 spent

Earn points for every dollar spent at LOFT, Ann Taylor, Ann Taylor Factory, and LOFT Outlet when using the LOFT Credit Card.

ALL Rewards Program Membership
Access to ALL Rewards benefits

The LOFT Credit Card is integrated with the ALL Rewards program, allowing cardmembers to earn and redeem points within the program and access its tiered benefits.

Reward Redemption
500 points = $5 reward

Points earned through the ALL Rewards program (including those from the LOFT Credit Card) can be redeemed for rewards.

Shopping 4
First Purchase Discount
20% off

Cardmembers receive a discount on their first purchase made with the LOFT Credit Card at LOFT, Ann Taylor, Ann Taylor Factory, or LOFT Outlet.

Exclusive Cardmember Offers
Varies by offer

Access to special promotions and discounts available only to LOFT Credit Cardholders.

Anniversary Savings Offer
Varies

Cardmembers receive a special savings offer annually, typically around their card opening anniversary.

Free Standard Shipping
Free standard shipping on orders $75+

Cardmembers receive free standard shipping on all purchases of $75 or more when they use their LOFT Credit Card.

Status Benefits 3
Insider Status Points Earning
1,000 points per $100 spent

Cardmembers who achieve Insider status within the ALL Rewards program earn an enhanced rate of points on purchases.

VIP Status Points Earning
1,250 points per $100 spent

Cardmembers who achieve VIP status within the ALL Rewards program earn an enhanced rate of points on purchases.

Icon Status Points Earning
1,500 points per $100 spent

Cardmembers who achieve Icon status within the ALL Rewards program earn the highest enhanced rate of points on purchases.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within 6 or 12 months. If you do not, interest will be charged on the promotional purchase from the purchase date.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Loft Credit Card, issued by Synchrony, is a store-specific card primarily for use at Loft, Ann Taylor, Lou & Grey, and associated brands. Eligibility requirements for 2026 include being at least 18 years old, a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and having a fair to good credit history. While Synchrony can be more lenient than general-purpose card issuers, applicants should ideally have no recent bankruptcies or severe defaults. Benefits typically include an immediate discount on the first purchase (e.g., 15-20% off), ongoing rewards (e.g., 5 points per $1 spent at Loft brands), birthday offers, exclusive cardholder-only sales, and free standard shipping on qualifying purchases. Application is available online or in-store, often with an instant decision.

Max Cards Per Issuer: 6

Min Spend Interval: N/A - Benefits are ongoing and tied to card usage, not a one-time spend bonus requirement.

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive recent credit applications, missed payments, defaults, suspected abuse of promotional offers (e.g., return fraud after using discounts), or activity inconsistent with normal retail spending patterns.

Cliff Effect Rules: Synchrony manages overall credit exposure across all its issued cards. While there isn't a 'cliff effect' for bonus eligibility between different store cards, reaching a high cumulative credit limit with Synchrony can impact approval for new Synchrony cards or limit increases on existing ones, regardless of individual card performance.

Special Events: Exclusive cardholder-only sales events, double/triple points days, early access to new collections, and special discounts tied to specific product launches or seasonal promotions.

Holiday Promos: Black Friday/Cyber Monday week, Christmas/Holiday shopping season (November-December), Mother's Day, Father's Day, Valentine's Day, Memorial Day, Labor Day, and Back-to-School periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Exclusive discounts and rewards for frequent Loft shoppers, birthday rewards, relatively easy approval for building credit.

Top Negative:
High APR, rewards primarily limited to Loft/Ann Taylor brands, customer service issues reported with Synchrony, rewards can expire.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Gap Credit Card
  • Old Navy Credit Card
  • Target RedCard

Card Value Score: 65.0 / 100

Est. Annual Rewards: $90.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2024-01-01