7
Benefits2
Reward Categories2x
Max Reward32.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| LOFT Family Brands Purchases | 2x | Points | Purchases at LOFT, Ann Taylor, Ann Taylor Factory, LOFT Outlet, and Lou & Grey. | No Cap | |
| All Other Purchases | 1x | Points | Purchases everywhere Visa is accepted (for LOFT ALL Rewards Credit Card). | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 2x
Categories: 2x at Ann Taylor, LOFT, Lou & Grey, and Ann Taylor Factory stores
Quarterly Rotating: No
Expiration Policy: Points expire 12 months after they are earned. Reward certificates expire 45 days after issuance.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Rewards are only redeemable at Ann Taylor, LOFT, Lou & Grey, and Ann Taylor Factory stores. Minimum redemption threshold of 500 points for a $5 reward certificate applies. Reward certificates cannot be used for gift card purchases, previous purchases, or as payment on your credit card account.
Benefits & Protections (Detailed) 7 Total
PENDINGLifestyle 1
Birthday Offer
Special discount (e.g., 15% off)Receive a special discount or offer during your birthday month as a LOFT Credit Card holder, often an additional percentage off purchases.
Shopping 5
First Purchase Discount
20% off first purchaseCardholders receive a percentage discount on their first purchase made with the LOFT Credit Card at LOFT, Ann Taylor, Ann Taylor Factory, LOFT Outlet, or Lou & Grey.
Accelerated Rewards Earning at Brand Stores
5 points per $1 spentEarn 5 points for every $1 spent at LOFT, Ann Taylor, Ann Taylor Factory, LOFT Outlet, and Lou & Grey stores and online when using the LOFT Credit Card.
Reward Certificates
$5 reward for every 500 pointsEarned points are converted into reward certificates. For every 500 points accumulated, a $5 reward certificate is issued, redeemable on future purchases at participating brands.
Exclusive Cardholder Promotions
Varies by promotionAccess to special discounts, early access to sales, and exclusive promotions available only to LOFT Credit Card holders throughout the year.
Free Standard Shipping
Free standard shippingEnjoy free standard shipping on all online purchases made at LOFT, Ann Taylor, Ann Taylor Factory, LOFT Outlet, and Lou & Grey when using your LOFT Credit Card.
Status Benefits 1
Automatic VIP Status
VIP status benefitsLOFT Credit Card holders automatically qualify for VIP status within the LOFT ALL Rewards program, which includes benefits such as bonus points events, exclusive access, and enhanced birthday offers.
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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 32.24% - 32.24%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Loft Card, issued by Synchrony, typically offers an initial bonus such as a percentage off the first purchase (e.g., 20% off) and ongoing rewards (e.g., 5 points per $1 spent at Loft, birthday discounts, and exclusive cardholder offers). Eligibility requirements for 2026 are expected to remain consistent with current Synchrony standards: applicants must be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to creditworthiness, generally requiring fair to good credit (FICO score typically 640+), and Synchrony's internal underwriting criteria, which includes evaluation of existing credit lines with Synchrony and recent credit inquiries. Synchrony may be sensitive to a high number of recent applications.
Max Cards Per Issuer: 4
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not have explicit 'cliff effect' rules tied to card families like some major issuers. Approval for additional cards is primarily based on overall creditworthiness, existing credit exposure with Synchrony, and recent application history. There are no specific rules preventing you from holding multiple Synchrony cards based on their product type, but rather an overall credit limit ceiling and risk assessment.
Special Events: Exclusive cardholder-only sales and discounts, double or triple points events on specific purchase categories or days, special financing offers (e.g., 0% APR for 6 months on purchases over $X), and birthday discounts or rewards.
Holiday Promos: Black Friday / Cyber Monday, Christmas / Holiday Season, Mother's Day / Father's Day, seasonal sales (e.g., End-of-Season, Summer Sale), and anniversary sales for Loft.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Card offers good rewards and discounts for frequent shoppers at Loft, Ann Taylor, and associated brands. Easy to get approved and provides exclusive savings.
Top Negative:
High interest rates make carrying a balance expensive. Customer service can be inconsistent, and rewards are primarily limited to store purchases.
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: 65.0 / 100
Est. Annual Rewards: $140.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v2024-01-01