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Credit Card Applications » Questions » User Questions » Cash Back Rewards » I sometimes buy my work-related clothes at Loft and this time I was offered to apply for Loft ...

I sometimes buy my work-related clothes at Loft and this time I was offered to apply for Loft credit card. Should I accept this offer?

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Leo Zhu

While Loft credit cards may offer good discounts and some rewards, you may not be able to use all of them if you do not shop at Loft location often. Also, earned rewards can only be used at Loft and Ann Taylor locations. The card’s interest is high so you’ll want to pay the card balance in full every month if you do not want to pay interest. If you look at regular rewards credit cards, you may find them more rewarding as they allow earning rewards everywhere and on all purchases. Make some calculations to see which card will be the best option for you and only then apply for a credit card.

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Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
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
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

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