| Category | Rate | Type | Cap |
|---|---|---|---|
|
LOFT & Ann Taylor Brand Purchases
5 points per $1 spent on qualifying purchases at LOFT, LOFT.com, Ann Taylor, Anntaylor.com, Ann Taylor Factory, and LOFT Outlet when enrolled in the styleREWARDS loyalty program; excludes taxes, shipping, gift cards, gift boxes, and credit card account payments.
|
5x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
New Cardmember Welcome Discount
New cardholders receive 20% off their first qualifying purchase when the card is opened and used on the same day at LOFT, LOFT.com, Ann Taylor, Anntaylor.com, Ann Taylor Factory, or LOFT Outlet. Application and approval must occur the same day; valid for 24 hours. If approved online, a promo code is emailed to be used within 24 hours. Cannot be combined with other cardholder-exclusive offers online.
|
Credits | 20% off first qualifying purchase |
|
Credit Building via Bureau Reporting
The LOFT Credit Card reports account activity and payment history to all three major credit bureaus (Equifax, Experian, and TransUnion), enabling responsible cardholders to build or improve their credit profile.
|
Financial | Reported to all 3 major credit bureaus |
|
No Annual Fee
The LOFT Credit Card carries no annual fee for either the store card or Mastercard variant, making it a no-cost-to-hold card for LOFT and Ann Taylor shoppers.
|
Financial |
$0 annual fee
Up to $0
|
|
Online Account Management via Bread Financial App
Cardholders can manage their account, make payments, view transactions, and review statements 24/7 through the Bread Financial mobile app or online at comenity.net/loft and comenity.net/LOFTCard.
|
Financial | Complimentary 24/7 account access |
|
Paperless Statement Fee Waiver
Cardholders can enroll in paperless statements to avoid the Paper Statement Fee of $2.99 per month (up to $35.88 per year), which is charged when a paper billing statement is mailed and the account balance exceeds $3.50.
|
Financial |
Avoids up to $35.88/year in paper statement fees
Up to $36
|
|
Birthday Gift Reward
Cardholders enrolled in the styleREWARDS program receive a birthday reward during their birthday month. The birthday reward is $15 for styleREWARDS Insider tier cardholders and $20 for styleREWARDS VIP tier cardholders. Cardholders must complete their styleREWARDS profile including birthday information on LOFT.com or submit it to an associate at point of sale within 10 days of enrolling.
|
Lifestyle | $15–$20 birthday reward |
|
Early Access to Sales and Exclusive Events
Cardholders enrolled in the styleREWARDS program receive early access to sales events, exclusive cardholder-only promotions, and special shopping events at LOFT, Ann Taylor, and affiliated brands throughout the year.
|
Lifestyle | Complimentary early access |
|
5 Points Per $1 at Brand Locations
Cardholders enrolled in the styleREWARDS loyalty program earn 5 points for every $1 spent on qualifying purchases at LOFT, LOFT.com, Ann Taylor, Anntaylor.com, Ann Taylor Factory, and LOFT Outlet. Taxes, shipping, gift cards, gift boxes, and payment of a LOFT credit card account are excluded.
|
Rewards | 5x points on brand purchases |
|
Bonus Double Points Days
Cardholders receive access to periodic Bonus Double Points Days throughout the year, during which qualifying purchases earn enhanced points at brand locations. Specific dates are announced by the brand via email and marketing communications.
|
Rewards | Double points on select days |
|
Free Shipping Certificate — styleREWARDS Insider
styleREWARDS Insider tier cardholders receive 1 free standard shipping certificate per year. Limited to standard shipping to a single U.S. address within the continental U.S.; excludes Hawaii, Puerto Rico, and Alaska. Valid one time only.
|
Rewards | 1 free shipping certificate per year |
|
Free Shipping Certificate — styleREWARDS VIP
styleREWARDS VIP tier cardholders receive 2 free standard shipping certificates per year. Limited to standard shipping to a single U.S. address within the continental U.S.; excludes Hawaii, Puerto Rico, and Alaska. Valid one time only each.
|
Rewards | 2 free shipping certificates per year |
|
styleREWARDS Points Redemption
Every 500 points earned equals a $5 reward certificate redeemable at LOFT, Ann Taylor, LOFT Outlet, and Ann Taylor Factory stores and websites. Minimum purchase required to redeem; cannot be applied to gift card purchases, taxes, shipping, or credit card account payments.
|
Rewards |
500 points = $5 reward
Up to $5
|
|
Zero Liability Fraud Protection
As a Comenity Bank-issued account, cardholders are protected against unauthorized charges; cardholders must immediately notify Comenity Bank if the card is lost, stolen, or used without authorization.
|
Security | Zero liability on unauthorized charges |
|
15% Off First Tuesday of Every Month
Cardholders receive 15% off on the first Tuesday of every month when the entire transaction is placed on the LOFT Credit Card. Exclusions include Sneak Preview, Early Access merchandise, taxes, shipping, gift cards, gift boxes, and payment of a LOFT credit card account.
|
Shopping | 15% off first Tuesday monthly |
|
Apple Pay Compatibility
The LOFT Mastercard® Credit Card can be added to Apple Wallet for contactless checkout via Apple Pay at merchants that accept Mastercard. Applies to the Mastercard variant only; not available on the closed-loop LOFT Credit Card.
|
Shopping | Complimentary Apple Pay support |
|
Free Standard Shipping on $75+ Orders
Cardholders receive free standard shipping on qualifying online purchases of $75 or more at LOFT.com and AnnTaylor.com when using the LOFT Credit Card. Limited to standard shipping to a single U.S. address within the continental U.S.; excludes Hawaii, Alaska, and Puerto Rico.
|
Shopping | Free standard shipping on $75+ orders |
