LOFT Mastercard®
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How we calculate effective rate →
The LOFT Mastercard® from Comenity earns up to 2% effective value on grocery in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Grocery
- Effective value
- 2%
- Annual fee
- $0
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 2x points.
What does the LOFT Mastercard earn in each category?
Grocery is the strongest category at 2% effective value (2x points at about 1 cents each). That grocery rate ranks higher than about 69% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how LOFT Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight groceries at 2x.
Grocery is the strongest category at 2% effective value (2x points at about 1 cents each). That grocery rate ranks higher than about 69% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how LOFT Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% |
| Grocery Supermarkets and grocery stores | 2x points | 2% Top category |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values StyleRewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the LOFT Mastercard reward caps and conditions?
The LOFT Mastercard has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2 Points per $1 spent on eligible gas station purchases
- 2 Points per $1 spent on eligible grocery store purchases
Who should get the LOFT Mastercard?
The LOFT Mastercard fits spenders who put meaningful volume in grocery and can earn 2x points. Best for spenders who put meaningful volume in grocery and can earn 2x points.
LOFT Mastercard fits spenders who put meaningful volume in grocery and can earn 2x points. Madeen ranks its grocery effective rate higher than about 69% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 2x points.
Foreign transaction fees make it weaker for international spend.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is grocery at about 2% effective (2x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- StyleRewards value depends on how you redeem, not straight cash back.
Does the LOFT Mastercard have an annual fee?
The LOFT Mastercard has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the LOFT Mastercard?
The LOFT Mastercard includes Global emergency services, HealthLock, Instacart in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Related encyclopedia topics
Common questions about the LOFT Mastercard
Where do cardholders spend most with the LOFT Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (2x), gas (2x) for the LOFT Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the LOFT Mastercard have an annual fee?
The LOFT Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the LOFT Mastercard?
Grocery is the strongest Madeen category for the LOFT Mastercard at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the LOFT Mastercard charge foreign transaction fees?
The LOFT Mastercard charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the LOFT Mastercard?
Madeen's catalog lists a typical credit range of Fair for the LOFT Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the LOFT Mastercard?
Rewards on the LOFT Mastercard post as StyleRewards. Redemption value depends on how you use StyleRewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the LOFT Mastercard compare to similar cards?
Compare the LOFT Mastercard against AAA Daily Advantage Visa Signature (5% on Grocery, $0 fee); Points Power Mastercard (3% on Grocery, $0 fee); Ann Taylor Mastercard (2% on Grocery, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
LOFT Mastercard This card | Grocery | 2% | $0 |
| Grocery | 5% | $0 | |
Comenity | Grocery | 3% | $0 |
Comenity | Grocery | 2% | $0 |
Comenity | Grocery | 2% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Comenity and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Comenity. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure