Features

If you love shopping at Ann Taylor or LOFT stores, the Comenity Bank – Love Loft MasterCard was made for you. It is a co-branded MasterCard with special benefits for shopping at Ann Taylor and LOFT. It's also a regular consumer credit card, but really doesn't offer much to attract consumers who are not Ann Taylor fans.

Who Is the Comenity bank – Love Loft MasterCard Card Designed For?

The Comenity Bank – Love Loft MasterCard is available to adult consumers with fair or average credit or better. It is not targeted toward students. It is also not suitable for use as a business credit card.

Are There Annual Fees?

There are no annual fees.

Does the Comenity Bank – Love Loft MasterCard Offer Rewards?

The Comenity Bank – Love Loft MasterCard offers a points based reward system. Receive 5 LOVELOFT rewards points for every 1 dollar spent at Ann Taylor, LOFT Outlet, Ann Taylor Factory Outlet or LOFT stores or online, 1 LOVELOFT point for all other purchases. You can earn a 20 dollar rewards card for every 2,000 points accumulated. The Comenity Bank – Love Loft MasterCard also offers 10 dollars off on the first Tuesday of every month at LOFT and LOFT.com and 15 dollars off any single in-store purchase during your birthday month.

Are There Foreign Transaction Fees?

Foreign transactions carry a 3 percent fee, payable in US Dollars.

Are There Late Payment or other Penalty Fees?

Late payments are charged up to 37 dollars; returned payments are charged up to 25 dollars. Balance transfers, cash advances and convenience checks are charged 10 dollars or 3 percent of the total transaction, whichever is greater.

Summary

If you have fair credit and you're an Ann Taylor fan, this card can be a good option. Otherwise, there are other credit cards out there with better terms, given its high APR and skimpy rewards program. If you have good or excellent credit, there are definitely credit cards with better terms than the Comenity Bank – Love Loft MasterCard.

  • Card Type
    Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    Mastercard
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    23
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $25
  • Foreign Currency Transaction Fee
    3%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    25.24% - %
  • Transfer Fee
    3% w/$10 min.
  • Balance Transfer APR
    25.24% - %
js-table-filter bizname-comenity-bank--gander-mountain-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
16.99
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1989

  • Gas
  • Groceries
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 16.99%
Balance Transfer APR 24.99%
024
js-table-filter bizname-comenity-bank--ann-taylor-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
25.24
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1989

  • Gas
  • Groceries
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 25.24%
Balance Transfer APR 25.24%
014
js-table-filter bizname-marathon-visa--through-comenity-bank
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter gas-139
17.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1989

  • Cashback
  • Gas
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 17.24%
Balance Transfer APR 26.24%
023
js-table-filter bizname-comenity-bank--love-loft-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
25.24
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1989

  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 25.24%
Balance Transfer APR 25.24%
015
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Reviews

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0 votes

The company did not educate sale clerks when they recommend customers to open a loft card. They don't provide the process how the bill would delivered or how the payment would be made. A sale clerk lied about the billing process to convince me to open a loft card even I told that I was abroad for four months. I found that the amount of the bill was over doubled when I come back. I feel robbed by the company and Loft Master Card


0 votes

Stay far far away. Their customer service is terrible. Their fees are exorbitant and their website is inoperable.


0 votes

Long story. In 3 words, TERRIBLE customer service. Even though Loft is my favorite store, I've closed my account.


0 votes

Very bad service. Multiple HARD check on credit score that hit hard. balances are very hard to pay: no auto-pay feature which makes it critical. Bad customer services. Do not take this card.


0 votes

Absolutely horrible card experience. After having my card sit at a zero balance for months, a more than $9000 transaction in Japan was posted to my card (fraud), Loft never even contacted me to review the charge and I didn't find out about it until I received a late payment letter. I called to file a dispute which they informed me I get to do by mail. Now, almost three months later, the dispute is still not resolved, late fees and interest on the Japanese fraud have continued to post ... to my account and I have a negative tick on my credit report for late payments on this account - the only late payments I've ever had on my credit report in my life.

Customer Service is unsympathetic, tells me it simply takes time and is completely worthless. I have never had an issue like this with Citibank or Discover, two card companies that clearly have their act together when it comes to blatant fraud. Would never, ever do business with this company again.
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0 votes

Website will not let you sign in, terribly frustrating. Do not get this card unless you enjoy wanting to bang your head off a wall.


0 votes

Loft Mastercard please note. COMENITY BANK SYSTEM DOES NOT WORK! PLEASE GET ANOTHER SERVICE PROVIDER!!! I'VE BEEN TRYING TO PAY MY BILL FOR THE LAST 20MINS...


0 votes

Worst credit card and customer service, which pains me to say since I love LOFT and earning points. I experienced credit card theft earlier in 2016 and had a horrible experience trying to straighten out the mess. CSR's were not sympathetic nor did they offer me anything for my trouble when THEY screwed up sending me a new card. I'm leaving LOFT MC and opening the Banana Republic Visa instead - better perks and free ship on any price point.


0 votes

DO NOT SIGN UP FOR THIS CARD. YOU WILL BE UNABLE TO PAY IN THE STORE. BIGGEST MISTAKE I EVER MADE AND WILL NO LONGER SHOP AT THE LOFT BECAUSE OF IT,


0 votes

Worst credit card I've ever seen. Terrible customer service- just spent over an hour on the phone because of incorrect information I was given by their customer service. I don't know why I bother- I will certainly reach for another credit card nest time.


0 votes

Nice co-branded card that is really pretty, too. I really like getting my LoveLoft points, which add up really quickly, since I get 5 of them for every dollar I spend at All Taylor, which I also love. I also like that there is no annual fee.


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