Lane Bryant Credit Card Review: Full Details

Lane Bryant Credit Card Overview

The Lane Bryant Credit Card is another store-issued credit card that offers a modicum of value for brand loyalists and not much else. It offers some nice rewards for high-spenders at Lane Bryant but very little value for everyone else. Card Rating*: ⭐⭐

*Card ratings are based on the opinion of TPG editors and are 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.

Also remember that this card can only be used at Lane Bryant branded locations, including Lane Bryant stores, lanebryant.com and Cacique.

Let’s take a detailed look at the benefits and advantages of this card to help you decide if it’s right for your needs.

Lane Bryant Credit Card information was 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

Related: How to Choose a Cash Back Credit Card

Lane Bryant Credit Card Welcome Offer

The Lane Bryant card welcome offer is pretty unappealing: You’ll get $20 off your first purchase if you open and use your Lane Bryant card on the same day.

Even without considering its small value, this offer is restrictive. You must use your new card on the same day to qualify for your $20 reward.

However, many store cards don’t offer a welcome bonus, so the Lane Bryant card is a bit ahead in comparison.

Related: Best Welcome Offers of the Month

Lane Bryant Credit Card Benefits

When you own this card along with a Lane Rewards membership, you can get some great benefits that add value to Lane Bryant’s loyal customers.

You’ll receive a $10 reward for every 3,000 points you earn (more on how to earn points later). You’ll also get an extended return window, a special birthday reward offer, and free standard shipping on qualified online purchases of $75 or more.

It’s not a long list of perks, but since this card doesn’t have an annual fee, it can add some value to your next trip to Lane Bryant. It’s worth noting, however, that you can only get most of these perks through a Lane Rewards membership, so the Lane Bryant card isn’t making a compelling case for itself here.

Related: Advantages and Benefits of Credit Cards You Should Be Using

Earn Points on the Lane Bryant Credit Card

As mentioned, this card is tied to your Lane Rewards membership, which means you’ll need one to earn and redeem rewards. All Lane Bryant cardholders earn 5 extra points per dollar spent on top of their tiered rewards. Here’s how the rewards system works:

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

A base value of 15 points per dollar on your purchases might seem tempting, but as you’ll see, getting value from these rewards is harder than you’d like.

Related: Maximize Your Earnings This Year

Redeem points on your Lane Bryant credit card

For every 3,000 points you earn on your Lane Bryant card, you will receive $10 back in rewards. Therefore, points earned on this card are only worth 0.3 cents each. Of course, cardholders can only redeem their rewards at Lane Bryant locations.

This means that Lane Rewards Silver members will essentially earn around 4.5% cash back on their purchases, Lane Rewards Gold members 6%, and Lane Rewards Platinum members 7.5%.

On paper, these rewards rates look attractive, but unless you spend a lot with Lane Bryant each year, you’re better off using a cash back card or a 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 may want to consider a different card if you don’t spend often and exorbitantly at Lane Bryant. Here are three options to consider:

• If you want to get solid earnings on all your purchases: THE Citi Double Cash® Card (see fees and charges) earn 2% back on all purchases (1% when you make a purchase and 1% when you pay for it). With this, you don’t have to worry about whether you’re shopping in the right place to get your best returns. To learn more, check out our full Citi Double Cash review.
• If you spend a lot on Amazon: THE Main view earn 5% back on purchases at Amazon, Whole Foods Market, and Chase Travel℠; 2% back at restaurants, gas stations, and local public transportation and commutes (including ride-hailing); and 1% back on all other purchases. Prime Visa cardholders can also earn 10% or more on select rotating items and categories on amazon.com. To learn more, check out our full Prime Visa review.
• If you want to earn 5% at multiple merchants: Chase Freedom Flex® earns 5% cash back on quarterly rotating categories like groceries, gyms, and even Target, giving you a wider range of opportunities to maximize your cash back (on up to $1,500 in combined purchases each quarter you activate). You also earn 5% cash back on Chase Travel, 3% cash back on restaurants and pharmacies, 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 business credit cards and best cash back cards.

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 decent earnings rates for Lane Bryant loyalists, but if you’re not one of them, you’re better off with a general card with cash back or travel rewards. On the other hand, if you’re planning a shopping spree or two at Lane Bryant and want to earn some brand-specific rewards with no annual fee, it might be worth a look.

Related: How to Choose the Best Credit Card for You

Bottom line

The Lane Bryant card is a solid option for frequent Lane Bryant shoppers who want a simple, incremental rewards structure. But given its limited earning and redemption potential, it’s almost always better to open a general travel or cash-back card with no annual fee.

Related: Why Store Credit Cards Are (Almost) Always a Bad Idea