Nothing adds effortless polish quite like a sleek flat, and the loafer-to-mule Phendiz by VINCE CAMUTO is our top pick of the season. Crafted from soft suede and styled with a square toe, keeper strap and collapsible heel counter, the shoe is embellished with shiny, round studs that add modern flair.  Team the loafer with ankle jeans and a padded-shoulder tee for a cool, laid-back look.