How the Lane Bryant Card Works
Like many retailers, women's plus-size retail chain Lane Bryant offers a retail reward credit card to its customers. The card is actually offered by Comenity, a financial services company that provides credit card services to hundreds of retailers across the country. While the card offers a number of attractive perks, there are some restrictions and downsides that customers should be aware of before filling out the application.
The Lane Bryant credit card is store-only and not affiliated with Visa, Mastercard, or any other card networks. The card can only be used at stores and websites in the Lane Bryant family including Lane Bryant, Cacique, the related outlet stores, and the company's websites.
Cardholders can choose to pay off the balance in full each month or carry a balance with smaller payments over time. The card comes with a 25-day grace period, so those who pay off the card in full each month avoid interest payments altogether.
- The Lane Bryant Card is an in-store card that can be used online or in-store at Lane Bryant and Cacique locations and outlets.
- The card offers cardholders rewards, including points that can be applied to future purchases, free shipping, and exclusive events.
- You should have at least fair credit before applying for the Lane Bryant Card.
- As of February 2021, the annual percentage rate for the Lane Bryant Card was 26.99%.
Rewards and Benefits
The Lane Bryant in-store credit card offers loyal shoppers a number of different perks.
Cardholders can accumulate points that be used toward future purchases. Purchases made with the card online or at participating stores accrue one point per dollar spent when the account is linked with a Lane Rewards Membership. Cardholders can redeem 3,000 points for a $10 reward.
First-time cardholders receive a $20 discount off their first purchase when they open and use their account on the same day.
The card also offers customers:
- Free standard shipping on qualifying purchases of $75 or more
- Extended returns (as long as you have a rewards membership)
- Exclusive events
- Special birthday offer
Cardholders who are part of the rewards program are divided into different tiers as follows:
- Silver (spend up to $349): earn 15 points for every $1 you spend and extended returns for 60 days
- Gold (spend between $350 and $799): earn 20 points for every $1 you spend and extended returns for 60 days
- Platinum (spend more than $800): earn 25 points for every $1 you spend and extended returns for 60 days
Where Can Someone Get the Lane Bryant Card
You have to fill out an application in order to get the Lane Bryant Card. You can do this at any store right at the cash register or you can apply online. Approval and credit limit are based on the same factors as any other credit product such as credit score, income, and other debt.
What Kind of Credit Is Required for the Lane Bryant Card
Neither Lane Bryant nor Comenity indicates the minimum credit score required in order to be approved for this credit card. But it's fair to say that you probably need at least fair credit in order to qualify. That's a minimum of 580, according to Experian. This is, of course, is not a hard-and-fast rule. It's always a good idea to check your credit score before you apply for this or any other credit card.
Where Can the Lane Bryant Card Be Used?
As noted above, cardholders can only use the Lane Bryant Card at participating stores. This includes Lane Bryant or Cacique stores as well as any affiliated outlet stores. Alternatively, you can use the card online for purchases on the company's website. Because this is a store credit card, you can't use it at other retailers for everyday purchases.
Alternatives to the Lane Bryant Card
Like the Lane Bryant card, the Victoria's Secret Angel Credit Card is store-only, and can only be used at Victoria's Secret family of stores. Purchases earn one point per dollar spent, with $10 vouchers awarded for every 250 points accumulated. This is increased to $15 per 250 points once a cardholder earns more than 1,000 points. New cardholders are rewarded with $15 off the first purchase made on the credit card. This card has an annual interest rate of 24.99%.
The Gap's credit card comes in two versions: Store-only or with added Visa affiliation. This allows Gap cardholders with Visa to accrue bonus points anywhere Visa is accepted. New Gap cardholders receive a sign-up discount of 20%, followed by a point system. Purchases made at the Gap family of stores (Gap, Banana Republic, Old Navy, and the outlets) receive five points per dollar spent, while purchases made elsewhere receive one point per dollar (Visa-enabled cards only).
For standard customers, $5 reward vouchers are given for every 500 points accumulated. Frequent customers who reach Silver status also get an extra 20% bonus points per quarter. The interest rate for both cards is is 25.99%.
The Lane Bryant Credit Card Interest Rate and Terms
You should review the terms and conditions of the Lane Bryant Card before applying. The terms and conditions include the APR, late payment fees, penalties, and other useful information.
The following is updated information for the Lane Bryant Card as of February 2021:
- Annual percentage rate (APR): 26.99%
- Grace period: 25 days
- Late payment fee: up to $40
- Returned payment fee: up to $40
- Annual fee: $0
Be sure you review the terms and conditions of the Lane Bryant card before you apply just as you would with any other credit card.
Who Should Consider the Lane Bryant Card
Frequent shoppers at the Lane Bryant family of stores will benefit the most from this card. It works especially well for those who are part of the Lane Rewards program. The more you spend with this card, the closer you'll get to the Platinum level, which means greater rewards.
Lane Bryant Card FAQs
How Do I Get the Lane Bryant Card?
You can apply for the Lane Bryant Card in-store right at the register or you can apply online. The entire process just takes a few minutes and you'll find out whether you're approved. If you are, your account is automatically opened for you to use right away.
At What Other Stores Can I Use My Lane Bryant Card?
You can use the Lane Bryant Card at any Lane Bryant, Cacique, or outlet store. You can also use the card online at any of their websites. Since this is an in-store credit card, you can't use this at any other retailer.
What Are the Perks of the Lane Bryant Card?
Individuals who have a Lane Bryant Card can use it to accumulate points that can be used toward future purchases. You can also link it with your Lane Rewards membership to accumulate even more rewards like free shipping, more points, and exclusive cardholder events.
The Bottom Line
If you shop exclusively or regularly at Lane Bryant or any of its affiliated stores, the Lane Bryant Card may be the one for you. You'll get points every time you use the card that you can put toward future purchases, free shipping on certain purchases, and special birthday offers. And if you link it to your Lane Rewards membership, you'll qualify for even better rewards. But keep in mind that, unlike other cards, this one comes with a hefty APR of 26.99%—much higher than its competitors. And like other in-store cards, you can't use this for everyday purchases like a Visa or Mastercard.