Lane Bryant Credit Card Review: Full Details
Lane Bryant Credit Card Overview
The Lane Bryant Credit Card, issued by the store itself, offers some value to brand loyalists but not much more. Card rating*:
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The Lane Bryant card has no annual fee, and TPG recommends a credit score of 670 or higher for approval.
Card rating*:
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The Lane Bryant card has no annual fee, and TPG recommends a credit score of 670 or higher for the best chance of approval.
You’ll also want to remember that this card can only be used at Lane Bryant-branded locations — meaning Lane Bryant stores, lanebryant.com and Cacique.
| Let’s break down this card’s perks and benefits to help you decide if it’s a good fit for you. | The information for the Lane Bryant Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. |
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Most perks also require a Lane Rewards membership
Very limited earning and redemption options
Rewards aren’t worth much when compared to major issuers’ points and miles
Related: How to choose a cash-back credit card
Lane Bryant Credit Card welcome offer
The welcome offer on the Lane Bryant card is rather uninspiring: You’ll get $20 off your first purchase when you open and use your Lane Bryant card on the same day.
THE POINTS GUY
Even aside from its paltry value, this offer is restrictive. You’ll have to use your new card on the same day to qualify for your $20 reward.
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Still, many store cards don’t offer a welcome bonus, so the Lane Bryant card is a little ahead here in comparison.
Related: This month’s best welcome offers
Lane Bryant Credit Card benefits
If you have this card alongside a Lane Rewards membership, you can earn a few perks that offer some value for Lane Bryant loyalists.
PEKIC/GETTY IMAGES
You’ll get a $10 reward for every 3,000 points you accumulate (more on earning points later). The card also offers a birthday gift and free shipping for online purchases over $75. It’s worth noting, however, that you can get most of these perks through a Lane Rewards membership on its own, so the Lane Bryant card isn’t making a compelling case for itself here.
Related: Credit card perks and benefits you should be using
| Earning points on the Lane Bryant Credit Card | As mentioned, this card is tied to your Lane Rewards membership, meaning you’ll have to have one to earn and redeem rewards. Here’s how the rewards system works: | Lane Rewards status |
|---|---|---|
| Annual spending requirement | Rewards earned | Silver |
| $0 | 15 points per dollar | Gold |
| $350 | 20 points per dollar | Platinum |
$ Here’s how the rewards system breaks down:
Lane Rewards status
Annual spending requirement
Rewards earned
Silver
$0
15 points per dollar
Gold
$350
20 points per dollar
Platinum
- $80025 points per dollarYou must use your Lane Bryant card to make all of your purchases to earn maximum points per dollar spent.A baseline of 15 points per dollar on your purchases might sound lucrative, but as you’ll see, it’s more difficult than you might want it to be to squeeze value out of those rewards.
- Related: Maximize your earnings this yearRedeeming points on the Lane Bryant Credit CardFor every 3,000 points earned on the Lane Bryant card, you’ll get $10 back in rewards. The points you earn on the Lane Bryant card are only worth 0.3 cents each. Of course, cardholders can only redeem their rewards at Lane Bryant locations.That means Lane Rewards Silver members will essentially earn around 4.5% back on their purchases, Lane Rewards Gold members 6% back and Lane Rewards Platinum members 7.5% back.
- ROCKAA/GETTY IMAGESThose rewards rates look nice on paper, but unless you spend a lot with Lane Bryant every year, you’re better off with a general cash-back or travel rewards card.
Related: What is a rewards credit card, and how does it work?
Which cards compete with the Lane Bryant Credit Card?
You should consider a different card if you don’t spend frequently and exorbitantly at Lane Bryant. If you’re looking for a card that will earn you a solid 2% on every purchase, here are your options:
The
Citi Dual Cash (r) Card
(see rates and fees). This card gives you 2% on purchases. You won’t need to worry about where you shop to maximize your earnings. If you shop a lot at Amazon:
The
Prime visa
gives 5% on purchases made at Amazon, Whole Foods Market, Chase Travel (sm), and at restaurants. It also offers 2% at gas stations and at local transit, including ride-hailing, as well as 1% on all other purchases. Prime Visa cardholders also have the opportunity to earn up to 10% on certain categories and items on Amazon.com. If you’d like to earn 5% from multiple merchants, you can do so with the Chase Freedom Flex (r). This card earns 5% on rotating quarterly categories such as groceries, gyms, and Target. For more information, read our full review of the Chase Freedom Flex. To learn more, check out our full review of the Chase Freedom Flex.01001010For additional options, check out our full list of the best store credit cards and best cash-back cards.01001010Related: Store vs. cash-back cards: Which one should I get?01001010Is the Lane Bryant Credit Card worth it?01001010The Lane Bryant Credit Card offers some decent earning rates for Lane Bryant loyalists, but if that isn’t you, you’re better off with a general cash-back or travel rewards card. The Lane Bryant credit card offers a straightforward rewards system for Lane Bryant customers who are regular shoppers. But given its limited earning and redemption potential, you’re almost always better off opening a general no-annual-fee cash-back or travel card instead.01001010Related: Why store credit cards are (almost) always a bad idea01001010
