After Jordan Clark had equalised in the second half, there was optimism the Hatters would go on and find a winner but the away side seized their opportunity and took all three points thanks to a late header from Sean Morrison.
Reflecting on the match, Jones said: “I’m learning as a manager. I pulled people out from the team today that were excellent in midweek because I wanted to freshen it up with big and strong players. Ironically, we play three centre-halves and they scored from two crosses into the box.
“I’m better off going a little bit braver and bolder in my selection process. Some people were unlucky not to be picked today and in my mind I know they have done really well this season but we have a poor record against Cardiff here and other teams enjoying playing against them.
“They put two decent balls into the box and scored from them. We put two glorious balls into the box but we didn’t score. All over the pitch, we didn’t do what we do best, we weren’t aggressive enough and we weren’t dominant.
“We didn’t deserve anything today and if I’m honest with you, it is as embarrassed I have been as a Luton manager. I know we lost 5-0 to Birmingham here but today I freshened it up, we worked hard in training, but we were a mile off.”