Credit Card Question & Answer

Advertising Disclosure is an independent, advertising-supported web site. receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.

Credit Card Applications » Questions » User Questions » Cash Back Rewards » I am very interested in Ann Taylor Loft credit card but I don’t know anyone who has actually ...

I am very interested in Ann Taylor Loft credit card but I don’t know anyone who has actually used this card. Do you think it is a good credit card to go with?

Answered by , at
Add to Favorites:

Tags: , ,

Leo Zhu

If you shop a lot at Loft and Ann Taylor, this card can be a good option for you. A one of the big cons can be rather high APR (24.99%) which is rather standard for store credit cards. If you are not going to pay off the card balance each month, you may accrue a lot in interest. If you always pays off the cards’ balances, then you should note that grace period for Loft credit card is 23 days, which is 3-7 days shorter than on a general credit card. As for rewards, I would recommend you to compare this credit card with Discover it card. Discover gives regular 1% cash back on all purchases, 5% in rotating categories and 5% cash back on Loft and Ann Taylor purchases made through Discover Deals. These rewards can be combines, so your cash back at Loft can be minimum 6% and maximum 11%. Now you should sit and crunch numbers to see which credit card will be the best choice for you.

Get the latest news, articles and expert advice delivered to your inbox. It's FREE.
You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
For Excellent, Good Credit
Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
For Excellent/Good Credit
Receive 1% cash back on eligible purchases, terms apply
For Fair Credit

Other Questions in
Cash Back Rewards