Lane Bryant Credit Card Overview
The Lane Bryant Credit Card is another store-issued credit card that offers little value for brand loyalists and not much else. It shows some decent rewards for those who spent a lot on Lane Bryant but has very limited value for everyone else. Card Rating*: ⭐⭐
*Card ratings are based on the opinion of TPG’s editors and are 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 — namely 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 right for you.
Information for the Lane Bryant Credit Card is independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Advantages and Disadvantages of Lane Bryant Credit Cards
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Related: How to choose a cash-back credit card
Lane Bryant Credit Card Welcome Offer
The welcome offer on the Lane Bryant Card is so tempting: you’ll get $20 off your first purchase when you open and use your Lane Bryant Card on the same day.
Regardless of its nominal value, this offer is restricted. You must 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 welcome bonuses, so the Lane Bryant card is a bit ahead of the curve here.
Related: This month’s best welcome offers
Lane Bryant Credit Card Benefits
If you have this card with a Lane Rewards membership, you can earn some Benefits that offer some value to Lane Bryant loyalists.
You’ll get a $10 reward for every 3,000 points you accumulate (more on earning points later). You’ll also enjoy an extended window for returns, a special birthday rewards offer and free standard shipping on qualifying online purchases of $75 or more.
It’s not a long list of benefits, but since this card has no annual fee, it might add some value to your next Lane Bryant trip. However, it’s worth noting that you can get most of these benefits yourself through a Lane Rewards membership, so the Lane Bryant card isn’t making a compelling case for itself here.
Related: Credit Card Benefits and Perks You Should Be Using
Earn points on the Lane Bryant credit card
As mentioned, this card is tied to your Lane Rewards membership, meaning you need to have one to earn and redeem rewards. All Lane Bryant cardholders earn an additional 5 points per dollar spent on top of their tiered rewards. Here’s how the reward system breaks down:
| Status of Lane Awards | Annual Expenditure Requirement | Received awards |
|---|---|---|
| of silver | $0 | 15 points per dollar |
| Gold | $350 | 20 points per dollar |
| Platinum | $800 | 25 points per dollar |
You must use your Lane Bryant card to make all of your purchases to earn the maximum points per dollar spent.
A baseline of 15 points per dollar on your purchases may sound appealing, but as you’ll see, it’s harder than you’d like. Squeeze value out of those rewards.
Related: Maximize Your Earnings This Year
Redeeming Points on the Lane Bryant Credit Card
For every 3,000 points earned on the Lane Bryant Card, you’ll earn $10 back in rewards. So, these are the points earned on the card Cost a measly 0.3 cents. 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.
Those rewards rates look great on paper, but unless you spend a lot with Lane Bryant each year, you’ll be better off with a regular cash-back or travel rewards card.
Related: What is a rewards credit card and how does it work?
What cards compete with the Lane Bryant Credit Card?
If you don’t spend frequently and excessively at Lane Bryant, you should consider a different card. Here are three options to consider:
- If you want solid earnings on all your purchases: This Citi Double Cash® Card (See Rates and Fees) Earn 2% back on all purchases (1% when you make a purchase and 1% when you pay for it). With it, you won’t have to worry about whether you’re shopping at the right place to get your best bang for your buck. To learn more, check out our full Citi Double Cash review.
- If you spend a lot on Amazon: This Prime Visa 5% back on Amazon, Whole Foods Market and Chase Travel℠ purchases; 2% back at restaurants, gas stations, and on local transportation and travel (including ride-hailing); And 1% back on all other purchases. Prime Visa cardholders can also earn 10% or more on a rotating selection of items and categories at amazon.com. To learn more, check out our full review of Prime Visa.
- If you want to earn 5% on multiple merchants: Chase Freedom Flex® earns 5% on quarterly rotating categories, such as grocery stores, gyms and Target, giving you a wide range of opportunities to maximize your cash back (up to $1,500 in combined purchases each quarter you activate). It earns 5% back on Chase travel, 3% on dining and drugstore purchases, and 1% on all other purchases. To learn more, check out our full review of the Chase Freedom Flex.
For additional options, check out our full list of the best store credit cards and the best cash-back cards.
Related: Store Vs. Cash-Back Cards: Which One Should I Get?
Is the Lane Bryant Credit Card Worth It?
The Lane Bryant Credit Card offers some decent earning rates for Lane Bryant loyalists, but if that’s not you, you’re better off with regular cash-back or Travel Rewards Card. On the other hand, if you’re planning a Lane Bryant shopping spree or two and want to earn some brand-specific rewards with no annual fee, it might be worth checking out.
Related: How to Choose the Best Credit Card for You
Bottom line
The Lane Bryant Card is a strong option for regular Lane Bryant shoppers who want a simple escalating rewards structure. But given its limited earnings and redemption potential, you’re almost always better off opening a typical no-annual-fee cash-back or travel card instead.
Related: Why store credit cards are (almost) always a bad idea