Last Updated: 07/28/2025
SuperMoney User Recommendation Score -85
Strongly not recommended34 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
26.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
640 - 850
Annual Fee
$0
Number of Reviews
ALL Rewards Mastercard® Review
This is a store rewards card issued by Comenity Bank. If you're wondering whether ALL Rewards Mastercard® is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5 reward points per dollar spent.
- Signup bonus. Offers a signup bonus of up to $20.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 26.49%
- 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.
- A 5% balance transfer fee. ALL Rewards Mastercard® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $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 up to 3% every time you make a transaction outside the U.S.
- Accepts cosigners. Comenity Bank 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 will have good approval odds if you have a fair credit score or better.
Pros & Cons of All Rewards credit card
| The Good | The Bad |
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All Rewards credit card FAQ
Does All Rewards credit card have a cash back or rewards program?
All Rewards credit card is a rewards card.
| Description |
Does All Rewards credit card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $20 .
Does All Rewards credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the All Rewards credit card benefits?
ALL Rewards Mastercard® provides the following benefits:
- Emergency Support
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for All Rewards credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.ALL Rewards Mastercard® has a variable purchase APR of 26.49%. The card has a variable balance transfer APR of 26.99% . It also has a variable cash advance APR of 26.49% .
Does All Rewards credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does All Rewards credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for All Rewards credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does All Rewards credit card have a foreign transaction fee?
All Rewards credit card charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for All Rewards credit card?
The customer service number for All Rewards credit card is (185) 579-69632.
How do people rate the customer service and user experience of All Rewards credit card?
Overall, All Rewards credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does ALL Rewards Mastercard® report your account activity to credit bureaus?
Yes, ALL Rewards Mastercard® reports to the following credit bureaus:
- 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 build your credit.
Does Comenity Bank perform a hard credit pull?
Yes, All Rewards credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for All Rewards credit card
- Visit the website of All Rewards credit card.
- 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 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: SuperMoney.com 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.
Message from All Rewards credit card
Contact
Headquarters
Hours of Operation
Sunday
9:00AM - 5:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
9:00AM - 5:00PM
Other Services by Comenity Bank
Other Credit Cards from Comenity Bank
Rating not yet determined
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
Up to 850
Annual Fee
$0
Rating not yet determined
Purchase APR
28.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
Starting at 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 840
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 27.24%
Disclaimer popup with additional information
Balance Transfer APR
Up to 26.99%
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Up to 29.24%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 26.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 26.99%
Disclaimer popup with additional information
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -85, or 1.3 on a 5-point rating scale.
-85
-1000+100
No one recommends
Everyone recommends
ALL Rewards Mastercard® Community Reviews
Would you recommend ALL Rewards Mastercard® to your friends?
NN
Net N.
May 4, 2023
May or may not recommend
WORST CREDIT CARD & CUSTOMER SERVICE...after paying current balance then the interest will show up...the interest should be added right away with the current balance so we will know exactly what to pay...it shows zero current balance then after you will see the charge interest later after paying...thats ridiculous!
U
Anonymous
Dec 6, 2022
May or may not recommend
Digital capabilities are like 1999. Payment emails link to incorrect login pages. They didn't have auto-pay set up until the last year or so. They randomly deleted the app without explaining it to anyone. You'll end up with late fees because you can't access your account or auto-pay won't work.... Always some excuse from their poor UX. Do yourself a favor and SKIP THIS CARD.
AS
Allison S.
Oct 4, 2022
May or may not recommend
In May 2022, I paid off my bill by phone asked what the amount $91.36 was and to close the account. I haven’t received any paper bills and trusted that the associate gave me the correct amount that it was paid for and closed out. A few months later they call bc I missed payments, just pay $41 but when I went back and looked at account my bill was ...Show More
U
Anonymous
Apr 7, 2022
May or may not recommend
Easy website to pay online and can make a payment as often as you like. I would highly recommend this card to Loft customers to earn not only points towards Loft purchases, but purchases made elsewhere as well!
JK
Jp K.
Oct 8, 2021
May or may not recommend
Impossible to access account on line after registering. States password and user name are incorrect. After getting new code to re enter password site states their is a " Glitch" and to try again another time. Spent 35 minutes with a customer rep and got to the same point to re enter new password and the exact same thing happens. Also made payment on the phone with bank account ...Show More
MJ
Mike J.
Oct 1, 2021
May or may not recommend
Terrible company do not do business with anyone involved with this company. Disreputable companies partner with them and when you are scammed and never receive the product they side with the scammers and you still have to pay them for what you never received. At an absurd interest rate as well. Call support and they give you the run around and side with the scam company despite proof goods were ...Show More
Terri V.
Sep 23, 2021
May or may not recommend
This morning I received an email that my payment was due. I paid off the account on August 16, but apparently they added 2 finance charges and a late fee to the paid off balance, which I was not aware of because I DID NOT receive a monthly email about my payment coming up. There was an additional $1 charge for something but it was not labeled. ...Show More
MD
Mary D.
Sep 3, 2019
May or may not recommend
Do not get this card. I currently have a credit score of 800+ which is now lowered due to the Loft card. I originally got a approved in store for the card, received it in the mail only to have the card cancelled the following week by loft due to “too many card inquirys”. How is this acceptable! Now my credit score will be lowered! Beware, and loft create better ...Show More
RW
Rin W.
Sep 1, 2019
May or may not recommend
Before they changed the rewards program, before April 2019 you could use the rewards you earned all at once and I saved them for three months and use at once before they expired. Now they give out 5.00 reward coupons and you can only use 4 rewards online at a time ( 5.00 × 4 = 20.00 ) and you can only use 6 rewards in the store ( 5.00 ...Show More
Doris S.
Aug 12, 2019
May or may not recommend
I was invited to sign up for loveloft MasterCard and was approved by in the store. Several weeks later, I received a letter stating my account was closed. And I was not given a valid reason. When I called the customer service number, she didn’t know what the reason was either.
Elaine S.
Feb 17, 2019
May or may not recommend
When I made an onlne payment, it was not applied. I was given a confirmation number.
Loveloft charge me a late fee and refused to remove it when I discovered my payment was not made. Poor service along with over 26% interest made me close my account. NEVER use Commenity anything.
U
Anonymous
Sep 4, 2018
May or may not recommend
I'm a Canadian and when I signed up for the card at the store in Seattle, they informed me that I will be able to pay the bill at my local bank. After receiving my bill (late by 5 days of the payment date), I was unable to log into the online account, could not set up a payee with my bank account because it is an american corporation, and ...Show More
Jillian N.
Aug 27, 2018
May or may not recommend
Interest rate is extremely high, almost 30% you will be in debt forever
Nikki G.
Jul 16, 2018
May or may not recommend
I have had a Loft card for 17 years, always in good standing and they recently lowered my credit limit because apparently I wasn’t shopping there enough. They obviously don’t care about long standing customers and I will not be shopping there again. They have completely lost my business and I have spent thousands and thousands at their store. They lost a loyal customer.
Zamira N.
Jul 6, 2018
May or may not recommend
Stay away from this card! Fees are outrageous & very very bad customer service.
MB
Michelle B.
Jun 15, 2018
May or may not recommend
If you pay the card off at the end of the month its a great card.
Carla D.
Mar 18, 2018
May or may not recommend
Closed accounts can still get charged by the store screwing up and you receive no notice. It’s almost impossible to pay a bill. Representatives are rude. Fees are outrageous. Spam phone calls constantly.
U
Anonymous
Jan 5, 2018
May or may not recommend
Stay away from this institution, very very bad customer service. Rude and not helpful.
U
Anonymous
Dec 11, 2017
May or may not recommend
I was several days late paying a bill of $29.57. I was charged a "late fee" of $29.57 + $1. This is after they processed my slightly late check for $29.57. This is unconscionable. I will never buy anything from LOFT again.
U
Anonymous
Jun 28, 2017
May or may not recommend
If I could give zero stars I would. I bought some merchandise the day I signed up for the card in store, and got a discount for putting that purchase on the new acct, which I did not have a physical card for yet. I ended up returning the merchandise and never received the card. When I was called about owing on the acct I explained that I had returned ...Show More
Showing 20 of 34 reviews
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