10
Benefits1
Reward Categories5x
Max Reward32.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| LOFT & Associated Brands | 5x | Points | Purchases at LOFT, Ann Taylor, Ann Taylor Factory, LOFT Outlet, and Lou & Grey. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Bonus Rate: 5x
Categories: LOFT, Ann Taylor, Ann Taylor Factory, LOFT Outlet, Lou & Grey purchases
Quarterly Rotating: No
Expiration Policy: Points expire 12 months from the date they are earned. Reward Certificates expire 90 days from issuance.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Minimum redemption of 1000 points for a $10 Reward Certificate. Reward Certificates cannot be reissued if lost or stolen and have no cash value.
Benefits & Protections (Detailed) 10 Total
PENDINGFinancial 1
No Annual Fee
No annual feeThe LOFT Store Card does not charge an annual fee.
Lifestyle 1
Free Basic Alterations
Free basic alterationsAs a Preferred status cardmember, receive free basic alterations on Ann Taylor purchases.
Shopping 7
Points Earning on Purchases
5 points per $1 spentEarn 5 points for every $1 spent on purchases at LOFT, Ann Taylor, Ann Taylor Factory, and LOFT Outlet.
Rewards Redemption
$20 reward for 2,000 pointsReceive a $20 reward for every 2,000 points earned, redeemable towards purchases at LOFT, Ann Taylor, Ann Taylor Factory, and LOFT Outlet.
Birthday Month Discount
15% offAs a Preferred status cardmember, receive 15% off during your birthday month.
Free Standard Shipping
Free standard shippingAs a Preferred status cardmember, receive free standard shipping on all Ann Taylor and LOFT purchases when using your card online.
Exclusive Cardmember Offers
Exclusive offersAs a Preferred status cardmember, receive exclusive offers.
Early Access to Sales
Early accessAs a Preferred status cardmember, receive early access to sales.
Double Points Events
Double pointsAs a Preferred status cardmember, be eligible for double points events.
Status Benefits 1
Automatic Preferred Status
Preferred StatusLOFT Credit Card members automatically receive Preferred status in the LOFT Ann Taylor Loyalty Program upon approval.
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 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 32.24% - 32.24%
Cash Advance APR: 32.49%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the LOFT Store Card (issued by Synchrony) is expected to offer an initial sign-up bonus, typically a percentage discount (e.g., 15-20%) off the first purchase made on the card. Ongoing rewards are anticipated to be a points-based system (e.g., 5 points per $1 spent) redeemable for store credit or discounts at LOFT and associated brands. Eligibility requirements include being at least 18 years of age (19 in AL and NE), possessing a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and having a U.S. mailing address. Approval is subject to creditworthiness, generally requiring fair to good credit history. The card is exclusively for use at LOFT, Ann Taylor, Ann Taylor Factory, LOFT Outlet, and Lou & Grey stores and their respective websites.
Max Cards Per Issuer: 6
Min Spend Interval: N/A for initial bonus (discount applied immediately); ongoing rewards accrue per purchase.
Cliff Effect Rules: The LOFT Store Card, as a retail-specific product, typically does not have complex 'cliff effect' rules related to card families or downgrades. Rewards are generally straightforward and tied directly to spending at the associated brands, without intricate tiers that could lead to significant benefit loss.
Special Events: Cardholders can expect exclusive sales events, early access to new collections or promotions, personalized birthday discounts or special offers, and potential tiered rewards programs offering enhanced benefits for higher annual spending.
Holiday Promos: Anticipated holiday promotion periods include Black Friday/Cyber Monday, seasonal sales (e.g., Spring, Summer, Fall, Winter collections), major U.S. holiday sales (e.g., Memorial Day, Labor Day, 4th of July, Christmas/New Year), and back-to-school promotions.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Good rewards for frequent shoppers at LOFT/Ann Taylor, easy application process, occasional exclusive discounts.
Top Negative:
High APR, limited use outside of store, poor customer service, difficult to redeem rewards.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Gap Visa Card
- Amazon Prime Rewards Visa Signature Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $170.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0