If you frequently shop at LOFT in Japan, the Loft Credit Card can help you save more and earn rewards on every purchase.
This guide shows you exactly how to apply and what benefits come with the card.
You'll also learn the requirements and steps to get approved quickly.
Why the Loft Credit Card Exists
Here’s why the Loft Credit Card was created and its purpose. This list gives you a quick look at the card’s leading role and who it’s designed for:
- Reward loyal customers – It’s built to give back to frequent LOFT and Ann Taylor shoppers.
- Encourage brand engagement – You get points, perks, and early sale access when you use the card.
- Boost store loyalty – The card creates exclusive benefits you can’t get with regular payment methods.
- Simplify shopping – Designed to make checkout easier and offer personalized promotions.
Core Benefits You Should Know
Here are the main perks you get when you use the Loft Credit Card. These benefits are tailored for regular LOFT shoppers and can help you save more over time:
- Points on Purchases – Earn 5 points per $1 at LOFT, Ann Taylor, and outlets.
- Reward Certificates – Get a $15 reward every time you reach 2,000 points.
- Birthday Gift – Enjoy a special discount or offer during your birthday month.
- Early Access – Be the first to shop for exclusive sales and promotions.
- Free Shipping – Receive standard shipping at no cost on eligible online orders.
- No Annual Fee – Use the card without paying yearly charges.
Eligibility Criteria
To apply for this card, you must meet specific eligibility criteria. Here's what you should know:
- Age Requirement: You must be at least 18 years old or the age of majority in your state or territory.
- Valid Identification: A government-issued photo ID is required.
- Tax Identification Number: You need a valid government-issued tax identification number, such as a Social Security Number (SSN).
- U.S. Address: A valid U.S. mailing address is necessary.
- Credit Score: A good credit score (typically 700 or higher) is recommended for approval.
- styleREWARDS Enrollment: Enrollment in the styleREWARDS loyalty program is required.
What to Prepare Before You Apply
Before applying for the Loft Credit Card, ensure you have the following information and documents ready to streamline the application process:
- Personal Information: Your full legal name, date of birth, and contact details
- Government-Issued Photo ID: Such as a driver's license or passport
- Tax Identification Number: A valid Social Security Number (SSN) or Social Insurance Number (SIN).
- Mailing Address: A valid U.S. street, rural route, or APO/FPO mailing address. Note: P.O. Box addresses are not accepted
- Income Details: Your total annual income and employment information
- styleREWARDS Enrollment: Ensure you're enrolled in the styleREWARDS loyalty program, as it's a prerequisite for the credit card.
How to Apply – Step-by-Step
Applying for the Loft Credit Card is a straightforward process. Follow these steps to complete your application:
- Visit the Official Website: Go to the Loft Credit Card application page.
- Click "Apply Now": Locate and select the "Apply Now" button to begin the application process.
- Complete the Application Form: Enter your personal information, including your full name, date of birth, Social Security Number, income details, and contact information.
- Review Terms and Conditions: Carefully read the terms and conditions associated with the credit card.
- Submit Your Application: After ensuring all information is accurate, submit your application for review.
After You Submit
After submitting your Loft Credit Card application, here's what to expect:
- Immediate Decision: Most applicants receive an instant decision upon submission.
- Card Delivery: If approved, your card should arrive within 7–10 business days. For expedited shipping, contact customer service at 1-866-886-1009.
- Online Account Setup: Once you receive your card, register it online to manage your account, view statements, and make payments.
- First Purchase Bonus: Use your card immediately upon approval to receive a $20 discount on your first qualifying purchase.
Interest Rates and Fees
Here are the key interest rates and fees associated with the LOFT Credit Card:
Interest Rates:
- Annual Percentage Rate (APR) for Purchases: 35.99%
- APR for Balance Transfers: 26.99%
- APR for Cash Advances: 35.99%
Fees:
- Annual Fee: None
- Foreign Transaction Fee: 3% of the transaction amount
- Late Payment Fee: Up to $41 (approximately ¥4,510)
- Returned Payment Fee: Up to $41 (approximately ¥4,510)
Additional Information:
A promotional offer provides a $20 (approximately ¥2,200) discount on your first purchase when you open and use the LOFT Credit Card on the same day.
It's important to note that carrying a balance on this card can lead to significant interest charges due to the high APR.
To maximize benefits and avoid fees, consider paying off your balance in full each month.
Tips for Using the Card Wisely
Here are practical tips to help you get the most out of your Loft Credit Card while avoiding common mistakes.
These suggestions can help you save money and maintain a healthy credit score:
- Pay Your Balance in Full – Avoid high interest charges by clearing your balance every month.
- Use During Promotions – Take advantage of exclusive cardholder sales to maximize savings.
- Track Your Rewards – Monitor your points to redeem $15 rewards as soon as you're eligible.
- Stay Below 30% Utilization – Don’t use more than 30% of your credit limit to keep your credit healthy.
- Set Up Payment Reminders – Avoid late fees and interest by making timely payments.
- Use for Store Purchases Only – Limit use to LOFT and partner stores where you earn the most rewards.
- Check for Updates – Review your account regularly for new benefits, promotions, or terms.
Contact Information
For any inquiries related to your card, you can contact Comenity Bank using the following information:
- Customer Service Phone Number: 1-866-907-5612
- Mailing Address: Comenity Bank, PO Box 182273, Columbus, OH 43218-2273
The Bottomline
The Loft Credit Card offers real value for loyal shoppers through rewards, exclusive discounts, and no annual fee.
With a quick online application process, it’s easy to get started.
Apply today to earn points and enjoy special perks whenever you shop.
Disclaimer
This article is for informational purposes only and does not constitute financial advice.
Credit card terms, conditions, and offers are subject to change—always verify details on the official Loft Credit Card website before applying.
