Lane Bryant credit card review: Full details

Lane Bryant Credit Card Overview

The Lane Bryant Credit Card is another store credit card that offers a small amount of brand loyalty and not much else. It features decent rewards for big spenders at Lane Bryant but very limited value for everyone else. Card rating*: ⭐⭐

*Card rating is based on the opinion of TPG editors and is not influenced by the card issuer.

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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 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 the pros and cons of this card to help you decide if it’s right for you.

Lane Bryant Credit Card information is independently collected by The Points Guy. The card information on this page has not been updated or provided by the card issuer.

The pros and cons of the Lane Bryant credit card

Related: How to choose a cash back credit card

Lane Bryant Credit Card welcome offer

The Lane Bryant card welcome offer is no incentive: You’ll get $20 off your first purchase when you open and use your Lane Bryant card on the same day.

Despite its small value, this offer has limits. You will need to use your new card that day to qualify for your $20 reward.

However, most 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

Benefits of the Lane Bryant Credit Card

If you have this card along with your Lane Rewards membership, you can enjoy several benefits that provide 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 return window, a special birthday reward offer and free standard shipping on eligible online purchases of $75 or more.

That’s not a long list of benefits, but since this card has no annual fee, it can add a little value to your next Lane Bryant trip. It’s worth noting, however, that you can get most of these benefits with a Lane Rewards membership on your own, so the Lane Bryant card doesn’t make a compelling case here.

Related: Credit card benefits and benefits you should be using

Earn points with the Lane Bryant credit card

As mentioned, this card is tied to your Lane Rewards membership, meaning you’ll need to have it in order 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 rewards system breaks down:

You must use your Lane Bryant card to make all purchases to earn maximum points per dollar spent.

A base of 15 points per dollar on your purchases may sound like a great deal, but as you’ll see, it’s harder than you might want to extract value from those rewards.

Related: Increase your income this year

Uses points on the Lane Bryant Credit Card

For every 3,000 points earned on the Lane Bryant card, you’ll get $10 back in rewards. Therefore, the points earned on this card are equal to 0.3 cents each. Yes, cardholders can only redeem their rewards at Lane Bryant locations.

That means Lane Rewards Silver members will actually earn around 4.5% on their purchases, Lane Rewards Gold members will get 6% back and Lane Rewards Platinum members will get 7.5% back.

Those rewards rates look good on paper, but unless you spend a lot of money with Lane Bryant every year, you’re better off getting regular cash back or a travel rewards card.

Related: What is a rewards credit card, and how does it work?

What cards compete with the Lane Bryant Credit Card?

You should consider a different card if you don’t spend often and spend a lot of money at Lane Bryant. Here are three options to consider:

• If you want solid earnings on all your purchases: I Citi Double Cash® Card (see rates and fees) you earn 2% back on all purchases (1% when you buy and 1% when you pay). With it, you won’t have to worry about whether you’re shopping at the right place to get your best deal. To learn more, check out our full Citi Double Cash review.
• If you spend a lot of money on Amazon: I Main Visa earn 5% on Amazon, Whole Foods Market and Chase Travel℠ purchases; 2% return from restaurants, gas stations, and local transportation to and from work (including walking); and 1% back on all other purchases. Prime Visa cardholders can also earn 10% or more on a rotating selection of items and categories on amazon.com. To learn more, check out our full Prime Visa review.
• If you want to earn 5% from multiple sellers: Chase Freedom Flex® earns 5% back at categories that change quarterly, such as grocery stores, gyms and Target, giving you a wide range of opportunities to increase your cash back (up to $1,500 in combined purchases each quarter you spend). It also earns 5% back on Chase Travel, 3% back on food and drugstore purchases, and 1% on all other purchases. To learn more, check out our full Chase Freedom Flex review.

For more options, check out our full list of the best store credit cards and cash back cards.

Related: Save vs. cash back cards: Which one should I get?

Is the Lane Bryant Credit Card worth it?

The Lane Bryant Credit Card offers decent cash back rates for Lane Bryant loyalists, but if that’s not you, you’re better off getting a 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 without an 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 solid choice for frequent Lane Bryant shoppers looking for a simple incremental rewards structure. But given its limited earning and redemption opportunities, you’re almost always better off opening a no-fee annual cash back or travel card.

Related: Why store credit cards are (almost) always a bad idea