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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?

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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.

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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
2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
For Fair Credit
Earn 1% cash back on gas and grocery purchases. Terms apply.
For Fair Credit

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