9
Benefits3
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| LOFT Purchases | 5x | Points | Purchases made at LOFT, Ann Taylor, Ann Taylor Factory, LOFT Outlet, and Lou & Grey stores and websites. | No Cap | |
| Gas & Groceries | 2x | Points | Purchases made at gas stations and grocery stores with your LOFT Mastercard Credit Card. | No Cap | |
| All Other Purchases | 1x | Points | All other purchases made everywhere Mastercard is accepted with your LOFT Mastercard Credit Card. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x at LOFT, Ann Taylor, Lou & Grey, and LOFT Outlet; 2x at grocery stores and gas stations
Quarterly Rotating: No
Expiration Policy: Points expire 12 months from the date they are earned.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Reward certificates expire 45 days from issuance. Certificates cannot be used for previous purchases, gift cards, or as payment on your account. Minimum purchase may apply.
Benefits & Protections (Detailed) 9 Total
PENDINGLifestyle 1
Special Birthday Offer
VariesReceive a special offer or discount during your birthday month as a LOFT Mastercard cardmember.
Shopping 8
Accelerated Rewards Earning at LOFT Brands
5 points per $1Earn 5 points for every $1 spent on purchases at LOFT, Ann Taylor, Ann Taylor Factory, and LOFT Outlet.
Accelerated Rewards Earning on Dining and Gas
2 points per $1Earn 2 points for every $1 spent on dining and gas purchases.
Standard Rewards Earning on All Other Purchases
1 point per $1Earn 1 point for every $1 spent everywhere else Mastercard is accepted.
Reward Certificate Redemption
$20 reward for 2,000 pointsReceive a $20 reward certificate for every 2,000 points earned. Reward certificates are redeemable at LOFT, Ann Taylor, Ann Taylor Factory, and LOFT Outlet.
Exclusive Cardmember Offers
VariesAccess to special promotions, discounts, and savings events available only to LOFT Mastercard cardmembers.
Free Standard Shipping
Free standard shippingEnjoy free standard shipping on all purchases made online at Ann Taylor, Ann Taylor Factory, LOFT, and LOFT Outlet when using your LOFT Mastercard.
Early Access to Sales
Early accessGain early access to sales events at LOFT, Ann Taylor, and associated brands as a LOFT Mastercard cardmember.
Double Points Events
Double pointsOpportunity to earn double points on select purchases during special promotional events for LOFT Mastercard cardmembers.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| 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
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Balance Transfer APR: 31.24%
Cash Advance APR: 32.24%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Loft Mastercard typically offers a sign-up bonus, such as a percentage off the first purchase or a fixed dollar amount after meeting a small spend threshold within the first 90 days. Eligibility requirements for 2026 are projected to remain consistent: applicants must be 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), be a US resident, and demonstrate fair to good credit history. Approval is subject to Synchrony's credit underwriting standards, and applicants with recent Synchrony defaults or bankruptcies may face denial. The card is primarily intended for purchases at Loft, Ann Taylor, and associated brands, with store-specific restrictions applying to certain promotions and benefits.
Max Cards Per Issuer: 7
Min Spend Interval: 90 days
Cliff Effect Rules: Synchrony does not enforce strict 'card family' rules like some prime issuers. However, approvals for new Synchrony cards are heavily influenced by the applicant's total credit exposure across all existing Synchrony accounts. Reaching a high cumulative credit limit across multiple Synchrony cards may lead to denials for new applications or require existing credit lines to be reduced to secure new approvals.
Special Events: Cardholders frequently receive exclusive discounts, early access to sales, birthday offers, and special financing promotions throughout the year, particularly for Loft and Ann Taylor brands. These events are often communicated via email or direct mail.
Holiday Promos: Expect enhanced promotions and discounts during major retail holiday periods such as Black Friday, Cyber Monday, Friends & Family sales, seasonal clearances (e.g., end-of-season, semi-annual), and specific brand-driven events throughout the year.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Excellent rewards for loyal Loft shoppers, frequent special discounts, relatively easy approval process for those with fair credit.
Top Negative:
High interest rates, rewards are primarily limited to Loft purchases, low credit limits, and some users report issues with Synchrony customer service.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Gap Good Rewards Mastercard
- Amazon Prime Rewards Visa Signature Card
- Kohl's Charge
Card Value Score: 75.0 / 100
Est. Annual Rewards: $140.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2024-01