You should read this post if you want to learn more about the Loft Credit Card. The Loft Credit Card application process, preapproval, login procedures and more are covered in this article.
Loft Credit Card
What is Loft Credit Card?
Loft offers the Loft credit card, which is a store-branded credit card. The Loft is one of the most well-known stores for women’s apparel and accessories. If you’re a frequent shopper and Loft cardholder, you will receive numerous perks, including reward programs, exclusive discounts, prizes, and points for each dollar spent. You will use this card to make purchases from loft stores or online. You must be enrolled in loft style rewards program to get more exclusive rewards and benefits.
The Loft provide two credit card varieties, each offer special features and advantages. Those are:
Loft Credit Card
- It is a basic standard credit card that is only accepted to purchase at Loft stores and online. For each $1 spent, you will gain points that can be redeemed for savings on future purchases.
Loft Mastercard
- It is an upgraded version of basic version that wherever use Mastercard accepted along with Loft stores and online. Receive extra benefits for purchases made anywhere Mastercard is accepted, but similar to basic version.
Additional features of Loft Mastercard
- You will Get 2 points for every $1 spent at supermarkets and gas stations.
- Every $1 spent You will earn 1 point wherever Mastercard is accepted.
- Within 60 days, you will receive a $20 reward on your first purchase of an outside Loft brand.
Main Factors of Loft Credit Card
| Factors | Loft Credit Card | Loft Mastercard |
| Get a 20% discount on your initial purchase |  | |
| Every $1 spent at Ann Inc. stores, Loft online or outside of Loft earns you 5 points | | |
| Receive a 15% discount on the first Tuesday of each month | | |
| Get $10 for each thousand points you earned. | | |
| When you spend $75 or more, shipping is free | | |
| Early access to sales | | |
| Birthday Special Reward | $15 | $20 |
Rewards for Free and VIP member
You will receive unique rewards and benefits depending on whether you are a VIP or a free member of Loft. VIP members must spend at least $500 annually, while free members are exempt.
| Benefits and rewards | Free Member | VIP member |
| For every $1 spent on eligible purchases, points are gained | 2 | 2 |
| Special reward for birthday | $10 | $15 |
| Free shipping certification | 1 | 2 |
Read Also : J Crew Credit card apply online | J Crew Credit card login
Interest rates and charges
| Annual Fee | Nil |
| Cash Advance & Penalty APR | 35.99% |
| Balance Transfer APR | 26.99% |
| Purchase APR | 35.99% |
| Cash Advance Fee | 3% or $10 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 3% or $10 |
| Paper Statement Fee | Up to 35.88% |
| Late & Returned Payment Fee | Up to $41 |
| Minimum Interest Payable | $3 |
| Grace Period | 25 days |
Eligibility Criteria
If you want to get a loft credit card then you have a few eligibility conditions. Let see the conditions below.
- The minimum age should be 18.
- Need a good credit score of at least 700.
- become a citizen of the United States.
- high income.
- Social Security Number (SSN)
- No bankruptcy.
Loft credit card preapproval online
You can check if you eligible for loft credit card preapproval without affecting your credit score by following the instructions below.
- Visit the Loft credit card’s official website.
- Locate and click the “prequalify” button.
- Fill out the preapproval form with your name, address, date of birth, income information, phone number and Social Security number.
- After confirming your information, click “submit” button.
- waiting for reputable authorities to approve you depending on your credit score.
- When your card is approved, it will be mailed to you.
Apply Loft credit card online
The steps listed below can help you apply for a Loft credit card and get it easily.
- Visit the Loft credit card homepage.
- Scroll down to find the “sign in to apply” option and click on it.
- Provide your name, address, birthdate, income, phone number, and Social Security number to complete the application form.
- Click the “submit” button after checking and confirming your application form.
- Awaiting officials to confirm your eligibility and details.
- Your card will be mailed to you after your application is accepted.
Loft credit card login online
If you follow the below guidelines then you will easy to login your credit card account offered by loft.
- Go to the official website of Loft login page.
- Enter your username or ID and password.
- Click the “Login” button after entered your details.
- You will check your balance, View transaction history, rewards, payment options and more after logging in your account.
How to increase your credit limit?
There are a few tips below for increasing your credit limit so you may make more purchases and earn more rewards.
- If you pay your bills on time and without delay, your credit limit will be automatically increased.
- Log in to your account, provide the necessary documentation to request an increase in your credit limit.
- Waiting for the approval.
- Finally, if officials approve your request, your credit limit will be raised.
Frequently Asked Questions
The Loft Credit card was issued by which bank?
Comenity Bank is the issuer of LOFT Credit Cards.
How can I pay using my Loft credit card?
You will use your account, mail, and phone to pay your bills.
To be eligible for a Loft credit card, what is the minimal credit score?
To be eligible for this card, you must have a strong credit score of at least 700.
Conclusion
Yes, everyone is finally aware of the Loft credit card’s detailed guide. This post will be very helpful if you’re trying to find one of the top credit cards with the biggest rewards. If you have any questions, we are always available to help you. Share useful information to everyone who might find it useful.