LOVELOFT Mastercard

LOVELOFT Mastercard

in Personal Credit Cards from Comenity


LOVELOFT Mastercard


in Personal Credit Cards from Comenity

SuperMoney Net Recommendation Score -89%



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Strongly not recommended

1 user recommends
1 user is unsure
26 users don't recommend
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Community Rating Strongly not recommended
Purchase APR  (Variable APR) 24.99%
Balance Transfer APR  (Variable APR) 26.99%
Credit Score Range 640 - 850
Annual Fee $0
Number of Reviews 28

LOVELOFT Mastercard Review

LOVELOFT Mastercard is a store cashback credit card issued by Comenity. If you're wondering whether LOVELOFT Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a a rewards rate of 5 points per dollar spent.
  • Earn 1 point for every dollar spent on everyday purchases. Terms and conditions apply.
  • Signup bonus. Offers a signup bonus of $20 if you spend $1.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 24.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. LOVELOFT Mastercard charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $50 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Accepts cosigners. Comenity is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
LOVELOFT Mastercard Pros & Cons
The Good The Bad
  • This card allows customers to build rewards points anywhere Mastercard is accepted.
  • Cardholders receive 15% off on the first Tuesday of every month.
  • $15 off yearly on the cardholder's birthday.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere LOVELOFT Mastercard is accepted.
  • LOVELOFT Mastercard reports to multiple credit bureaus.
  • High interest rate.
  • Higher than average purchase APRs.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee.

Is there a LOVELOFT Mastercard cash back or rewards program?

LOVELOFT Mastercard is a cashback card. This means you earn a percentage of your purchase as a cash reward. With LOVELOFT Mastercard you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

LOVELOFT Mastercard Rewards
Minimum rewards rate (all purchases) 1x
Max rewards rate 5x
Annual rewards limit N/A
Signup Bonus ($) }$20
Signup Bonus Spend Requirement $1
Annual Loyalty Bonus $15

Does LOVELOFT Mastercard have a signup bonus?

Yes, LOVELOFT Mastercard offers card users a signup bonus worth up to $20 after spending $1.

Does LOVELOFT Mastercard offer an annual loyalty bonus?

Yes, LOVELOFT Mastercard offers card users an annual bonus worth up to $15.

What are the LOVELOFT Mastercard benefits?

LOVELOFT Mastercard provides the following benefits:

  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for LOVELOFT Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. LOVELOFT Mastercard has higher than average purchase APRs.

LOVELOFT Mastercard has a variable purchase APR of 24.99%. The card has a variable balance transfer APR of 26.99% . It also has a variable cash advance APR of 24.99% .

Does LOVELOFT Mastercard have an introductory APR offer on balance transfers?

No, LOVELOFT Mastercard does not come with an introductory APR offer for balance transfers.

Does LOVELOFT Mastercard have an introductory APR offer on new purchases?

LOVELOFT Mastercard does not offer an introductory rate on new purchases.
LOVELOFT Mastercard Purchase Intro Offer
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for LOVELOFT Mastercard?

The following fees apply to LOVELOFT Mastercard:

LOVELOFT Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $25
Late Payment Fee up to $40

Does LOVELOFT Mastercard have a foreign transaction fee?

LOVELOFT Mastercard charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does LOVELOFT Mastercard report your account activity to credit bureaus?

Yes, LOVELOFT Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for LOVELOFT Mastercard

  • Visit the LOVELOFT Mastercard website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  • Headquarters
  •   12921 South Vista Station Boulevard
    Salt Lake County
    Draper, UT 84020
  •   Visit Site

About LOVELOFT Mastercard

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  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 5 LOFT Love Rewards points for every $1 spent at Loft affiliated stores. 2 LOFT Love Rewards points for every dollar spent on gas and groceries.
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Paper Statement Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee Up to $25
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
  • Emergency Support
Annual Loyalty Bonus $15
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
  • Retail
Signup Bonus Starting at $20
Rewards Type Points
Cash Advance APR (Variable APR) 24.99%
Balance Computation daily balance (including current transactions).
Purchase APR (Variable APR) 24.99%
Balance Transfer APR (Variable APR) 26.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Store Card
  • Bonus Offers
Card Network Mastercard

LOVELOFT Mastercard Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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