LOVELOFT Mastercard Review

LOVELOFT Mastercard is a store cashback credit card issued by Comenity. 

Fair credit. This card is designed for people with fair credit. The minimum credit score to apply is 640.

Accepts cosigners. Comenity is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

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.

Pros & Cons of LOVELOFT Mastercard

Pros	Cons
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.	High interest rate.

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.

LOVELOFT Mastercard Rewards

Rewards rate (all purchases)	1%
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	$20
Signup Bonus Spend Requirement	$1
Annual Loyalty Bonus	$15

What are the LOVELOFT Mastercard benefits?

LOVELOFT Mastercard provides the following benefits:

• Fraud Liability
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for LOVELOFT Mastercard?

LOVELOFT Mastercard has a variable purchase APR starting at 27.24% . The card has a variable balance transfer APR starting at 26.99% .

It also has a variable cash advance APR starting at 27.24% .

What are the LOVELOFT Mastercard fees?

No Annual Fee. LOVELOFT Mastercard does not charge an annual fee.

3% Foreign transaction fees. 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.

The following fees apply to LOVELOFT Mastercard:

LOVELOFT Mastercard Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Balance Transfer Fee	5%
Minimum Balance Transfer Fee	$10
Returned Payment Fee	up to $25
Late Payment Fee	up to $39

Does LOVELOFT Mastercard report your account activity to credit bureaus?

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

• Equifax
• Experian
• Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for LOVELOFT Mastercard

• Visit the Comenity website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• 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.