Lane Bryant Credit Card Overview
The Lane Bryant Credit Card is another store-issued credit card that offers a little value for brand loyalists and not much else. The card has some decent rewards for people who spend a lot at Lane Bryant but extremely limited value for everyone else. Card Rating*: ⭐⭐
*Card Ranking Based on the opinions of TPG editors and not influenced by card issuers.
The Lane Bryant Card has no annual fee and is TPG recommended. credit score 670 points or higher for best chance of approval.
Also keep in mind that this card can only be used at Lane Bryant-branded locations — that means Lane Bryant stores, lanebryant.com, and Cacique.
Let’s break down the perks and benefits of this card to help you decide if it’s a suitable for you.
The information about 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.
Pros and Cons of the Lane Bryant Credit Card
| Advantage | Defect |
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Related: How to choose a cash back credit card
Lane Bryant Credit Card Welcome Offer
The Lane Bryant card’s welcome offer isn’t all that appealing: You’ll get $20 off your first purchase when you open and use your Lane Bryant card the same day.
Even with its paltry value, there are limitations to this offer: You’ll have to use your new card within the same day to qualify for the $20 bonus.
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However, many storage card doesn’t offer a welcome bonus, so the Lane Bryant card is a bit of a head-turner in comparison.
Related: Best Welcome Offers This Month
Benefits of Lane Bryant Credit Card
If you have this card along with a Lane Rewards membership, you can earn some right delivering value to Lane Bryant loyalists.
You’ll get a $10 reward for every 3,000 points you earn (more on how to earn points later). You’ll also enjoy extended returns, special birthday rewards, and free standard shipping on eligible online purchases of $75 or more.
This isn’t a long list of perks, but since this card has no annual fee, it could add a bit of value to your next Lane Bryant trip. However, it’s worth noting that you can get most of these perks through a Lane Rewards membership, so the Lane Bryant card isn’t a compelling case here.
Related: Credit Card Benefits and Perks You Should Use
Earn Points on the Lane Bryant Credit Card
As mentioned, this card is linked to your Lane Rewards membership, meaning you’ll need to have a card to earn and redeem rewards. All Lane Bryant cardholders earn an additional 5 points per dollar spent on top of their tier rewards. Here’s how the rewards system breaks down:
| Lane Reward Status | Annual spending requirements | Rewards earned |
|---|---|---|
| Silver | $0 | 15 points per dollar |
| Yellow | $350 | 20 points per dollar |
| Platinum | $800 | 25 points per dollar |
You must use your Lane Bryant card to make every purchase to earn the maximum number of points per dollar spent.
The base 15 points per dollar on purchases may seem appealing, but as you’ll see, this is more difficult than you’d expect. squeeze value among those rewards.
Related: Maximize your income this year
Redeem Points on the Lane Bryant Credit Card
For every 3,000 points earned on the Lane Bryant card, you will receive $10 in cash back. Therefore, the points earned on this card are valuable just 0.3 cents each. Of course, cardholders can only redeem rewards at Lane Bryant locations.
That means Lane Rewards Silver members will essentially get about 4.5% back on their purchases, Lane Rewards Gold members get 6% back, and Lane Rewards Platinum members get 7.5% back.
Those rewards rates look good on paper, but unless you spend a lot at Lane Bryant each year, you’ll be better off with a cash back or travel rewards Card.
Related: What is a rewards credit card and how does it work?
What cards can compete with the Lane Bryant Credit Card?
You should consider another card if you don’t spend regularly and excessively at Lane Bryant. Here are three options to consider:
- If you want a steady income from all your purchases: The Citi Double Cash® Card (see prices and fees) get 2% cash back on all purchases (1% when you shop and 1% when you pay). With it, you won’t have to worry about whether you’re shopping in the right places to get the best return. To learn more, check out full review of Citi Double Cash.
- If you spend a lot at Amazon: The Official Visa Earn 5% cash back on purchases at Amazon, Whole Foods Market, and Chase Travel℠; 2% cash back on purchases at restaurants, gas stations, and local public transportation and commuting (including ride-hailing); and 1% cash back on other purchases. Prime Visa cardholders can also earn 10% or more on rotating purchases across items and categories on amazon.com. To learn more, see full review of Prime Visa.
- If you want to earn 5% at multiple stores: The Chase Freedom Flex® Earn 5% cash back on rotating quarterly categories like groceries, gyms, and even Target, giving you more opportunities to maximize your cash back (up to $1,500 in combined purchases each quarter you activate). It also earns 5% cash back on Chase Travel, 3% cash back on restaurant and pharmacy purchases, and 1% on all other purchases. To learn more, check out Full Review of Chase Freedom Flex.
For more options, check out our full list best store credit cards And best cash back card.
Related: Store Cards vs. Cash Back Cards: Which Should I Choose?
Is the Lane Bryant credit card worth buying?
The Lane Bryant credit card offers some decent rewards for Lane Bryant loyalists, but if you’re not that person, you’re better off opting for general cash back or travel rewards cardOn the other hand, if you’re planning on shopping at Lane Bryant a time or two and want some brand-specific rewards without paying an annual fee, it might be worth considering.
Related: How to Choose the Best Credit Card for You
Last line
The Lane Bryant Card is a great choice for frequent Lane Bryant shoppers who want a simple, progressive rewards structure. But given the limited earning and redemption potential, you’re almost always better off opening a cash-back or general travel card with no annual fee.
Related: Why Store Credit Cards Are (Almost) Always a Bad Idea
