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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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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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