The Loft Mastercard is a popular credit card issued by Comenity Bank that offers great rewards and perks for shopping at LOFT. With this card, you earn 5 points per $1 spent at LOFT and 1 point per $1 on other purchases. Points can be redeemed for LOFT merchandise, gift cards, statement credits, and more.
When you have a Loft Mastercard, managing your account is simple through the online account system provided by Comenity Bank. You can check your balance, make payments, view statements, redeem rewards, and much more.
Here is a detailed step-by-step walkthrough for logging into your Loft Mastercard online account and using the available features:
Step 1: Navigate to the Comenity Bank Login Page
The first step is to go to the Comenity Bank website where you can access your online Loft Mastercard account.
To get to the login page, enter this URL in your browser:
This will take you to the primary login portal for all Comenity credit card accounts, including your Loft Mastercard. At the top right of the screen, you will see options to “Log In” or “Enroll” if you do not already have an online account.
Double-check that the URL begins with “HTTPS” which indicates you are on a secure connection. Entering your account information over an unsecured “HTTP” connection could put your data at risk.
Step 2: Enter Your Login Credentials
If this is your first time accessing your new Loft Mastercard online, you will need to enroll first. Click “Enroll Now” and follow the steps to establish your username and password.
Make sure to choose a strong password with uppercase and lowercase letters, numbers, and symbols. Avoid using personal information or common words.
Once enrolled, you can click “Log In” on future visits and enter the unique username and password you set up for your account.
If you forget your username or password, use the handy “Forgot Username” and “Forgot Password” links to recover access to your account.
Step 3: Review the Account Dashboard
After entering your credentials, you will be brought to the main account dashboard. This overview page displays important details like:
- Current balance amount
- Minimum monthly payment due
- Payment due date
- Available credit
- Reward points balance
Review this information to quickly check up on your account status, credit utilization, and points earned.
The left-hand menu provides handy links to different sections of your account for tasks like making payments, accessing statements, and more.
Step 4: Manage Personal & Billing Information
One of the first things to check on your new online account is your personal information and billing details. In the “My Account” section of the menu, select “My Information” to review and update:
- Mailing address
- Phone number
- Password and security questions
Make sure everything is accurate so you can receive important account alerts and correspondence.
Also in the “My Account” section, you can view and download statements for up to 24 months. Review transactions and balances to monitor your spending.
Elect for paperless statements here to reduce clutter and access statements as soon as they are generated each month.
Step 5: Make Online Payments
The Loft Mastercard online account system makes it easy to pay your bill. Under the “My Account” menu, choose “Make a Payment.”
You can opt for:
- One-time payment– Manually pay any amount toward your monthly bill once.
- Recurring automatic payment– Set up autopay to pay your balance in full every month from a checking account.
Enter your payment info and follow the prompts to complete the transaction. Paying online helps avoid late fees.
You can also use the mobile app to make quick payments through your phone.
Step 6: Manage Your Rewards
One of the best perks of the Loft Mastercard is the rewards program. You’ll want to check up on your points and redemption options regularly.
Under “My Rewards,” you can:
- See your total rewards points balance
- Learn how points are earned from Loft purchases vs. other purchases
- Browse merchandise, gift cards, and travel redemption options
- Use points for statement credits to lower your account balance
- Get tips on earning bonus points through special promotions
Be sure to take advantage of rewards before they expire. Points usually expire after 36 months of inactivity.
Step 7: Access Additional Services
Your online account provides additional services like:
- Disputes– File claims and manage disputes for inaccurate transactions or charges.
- New card activation– Activate replacement cards sent if your current one is lost/stolen.
- Alerts– Set up email or text notifications for bill reminders, balance changes, and other account activity.
- Customer service– Reach a representative via live chat, email, or phone support.
Take advantage of these tools for enhanced account monitoring and assistance when needed.
Step 8: Use Responsibly & Avoid Fraud
When accessing your account online, keep best practices in mind:
- Check statements regularly– Review charges to catch unauthorized transactions quickly.
- Protect personal information– Do not share account details or other sensitive info.
- Use strong passwords– Update passwords frequently and avoid easy-to-guess phrases.
- Beware phishing scams– Ignore suspicious emails requesting account information.
- Notify Comenity of fraud– If you suspect identity theft or account abuse, alert them immediately.
Responsible usage helps maximize rewards and benefits while minimizing risks.
Frequently Asked Questions About the Loft Mastercard Login
Here are answers to some common questions about accessing your Loft Mastercard online account:
What is the URL to log into my account?
Go to www.comenity.net/loft to reach the login page for your Loft Mastercard online account.
What if I forgot my username?
Use the “Forgot Username” option at login and look it up by entering personal information like SSN or account number.
How do I reset my password for online account access?
Click “Forgot password” at login and follow the prompts to create a new password using your username and email address.
Is the Comenity Bank website secure for my account?
Yes, Comenity uses encryption and security measures to protect account information and transactions. The URL will start with “https”.
Can I pay my credit card bill through the online account?
Yes, you can make one-time or recurring payments to pay your Loft Mastercard bill using the “Make a Payment” feature.
How do I change my username or password?
Log in and go to “My Account” then “Login Information” to edit your username, password, or security questions.
What do I do if I have a new card but can’t log in?
Contact customer service to help activate and access a new Loft Mastercard online account for the first time.
Is there an app to manage my account from my phone?
Currently, there is no mobile app, but the Comenity Bank website can be easily accessed through mobile browsers to manage your account on the go.
How can I monitor for fraud on my account?
Check your transactions regularly and set up account alerts. Notify Comenity immediately if you see unauthorized account activity.
Faizan Ahmad is a financial analyst and writer who specializes in investments, banking, and corporate finance. He has over 7 years of experience working in the finance industry in various roles.
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At Ventures Money, Faizan covers topics including Credit Card Reviews, Loans, Insurance, and Mutual Funds in the banking sector. He provides in-depth analysis of the latest news and trends to help readers make smart investment decisions.
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