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Rewards: Earn 5X points per dollar spent. ★★★★★ 2.8/5.0. On the plus side, the LOFT Credit Card does offer a fairly decent rewards rate. Cardholders can earn 5X points per dollar spent on Ann Inc. purchases, and since 1,000 points are redeemable for a $10 rewards card, it comes out to a 5% return.

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