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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.