How the Lane Bryant Card Works
Lane Bryant, like many other businesses, provides its customers with a retail reward credit card. Comenity, a financial services business that provides credit card services to hundreds of stores around the nation, offers the card. 1 While the card provides a lot of appealing benefits, there are several limits and drawbacks that clients should be aware of before applying.
The Lane Bryant credit card is exclusively available in-store and is not associated with Visa, Mastercard, or any other card network. The card may only be used at Lane Bryant shops and online, including Lane Bryant, Cacique, associated outlet stores, and the company’s websites. 2
Cardholders have the option of paying off their amount in full each month or carrying a balance and making smaller payments over time. The card has a 25-day grace period, so individuals who pay off the card in full each month avoid paying interest. 3
- The Lane Bryant Card is an in-store card that may be used at Lane Bryant and Cacique shops and outlets both online and in-store.
- Cardholders may earn benefits like as points that can be used to make future purchases, free delivery, and invitations to special events.
- Before applying for the Lane Bryant Card, you need have at least fair credit.
- The annual percentage rate for the Lane Bryant Card was 26.99% as of February 2021.
Rewards and Benefits
The Lane Bryant in-store credit card provides a variety of benefits to loyal customers.
Cardholders may earn points that can be used for future purchases. When the account is connected to a Lane Rewards Membership, purchases made with the card online or at participating retailers earn one point every dollar spent. Cardholders may get a $10 incentive by redeeming 3,000 points. 1
When a new cardholder opens and uses their account on the same day, they get a $20 discount on their first purchase. 4
The card also offers customers:
- Purchases of $75 or more qualify for free standard delivery.
- Returns that are extended (as long as you have a rewards membership)
- Exclusive events
- Special birthday offer1
Cardholders that participate in the rewards program are classified into the following tiers:
- Silver (up to $349): get 15 points for every $1 spent and enjoy 60-day returns.
- Gold (spend between $350 and $799): get 20 points for every $1 spent and enjoy 60-day returns.
- Platinum (spend more than $800): get 25 points for every $1 spent and enjoy 60-day returns. 4
Where Can Someone Get the Lane Bryant Card
To get the Lane Bryant Card, you must first fill out an application. This may be done at any shop, immediately at the pay register, or online. Approval and credit limit are determined by the same criteria as any other credit product, including credit score, income, and other debt. 2
What Kind of Credit Is Required for the Lane Bryant Card
Neither Lane Bryant nor Comenity state what credit score is necessary to be accepted for this credit card. However, it’s safe to assume that you’ll need at least good credit to qualify. According to Experian, that’s a minimum of 580. 5 Of course, this is not a hard and fast rule. Before applying for this or any other credit card, you should always check your credit score.
Where Can the Lane Bryant Card Be Used?
As previously stated, the Lane Bryant Card may only be used at participating retailers. This includes Lane Bryant, Cacique, and any connected outlet outlets. You may also use the card to make purchases on the company’s website. Because this is a shop credit card, it cannot be used for ordinary purchases at other merchants.
Alternatives to the Lane Bryant Card
The Victoria’s Secret Angel Credit Card, like the Lane Bryant card, is a store-only card that can only be used at the Victoria’s Secret family of businesses. Purchases earn one point for every dollar spent, with $10 coupons rewarded after collecting 250 points. When a cardholder earns more over 1,000 points, this is doubled to $15 every 250 points. New customers are rewarded with $15 off their first credit card transaction. 6 The annual interest rate on this card is 24.99%. 7
The Gap credit card is available in two flavors: store-only and with Visa connection. This enables Gap Visa members to earn extra points everywhere Visa is accepted. New Gap cards get a 20% sign-up bonus, followed by a point system. Purchases at the Gap family of businesses (Gap, Banana Republic, Old Navy, and the outlets) earn five points for every dollar spent, whereas purchases made elsewhere get one point for every dollar spent (Visa-enabled cards only).
Standard clients get a $5 reward ticket for every 500 points acquired. Customers who achieve Silver level get an additional 20% bonus points every quarter. Both cards have an interest rate of 25.99%. 8
The Lane Bryant Credit Card Interest Rate and Terms
Before applying for the Lane Bryant Card, you should read the terms and restrictions. The APR, late payment fees, penalties, and other relevant information are all included in the terms and conditions.
As of February 2021, the Lane Bryant Card has the following updated information:
- APR (Annual Percentage Rate): 26.99%
- Grace period: 25 days
- Late payment fee: up to $40
- Fee for returned payments: up to $40
- Annual fee: $03
Check the terms and restrictions of the Lane Bryant credit card before applying, just as you would with any other credit card.
Who Should Consider the Lane Bryant Card
This card will be particularly useful to Lane Bryant family of shops frequent customers. It is particularly useful for individuals who participate in the Lane Rewards program. The more you use this card, the closer you will be to reaching the Platinum level, which offers more benefits.
Lane Bryant Card FAQs
How Do I Get the Lane Bryant Card?
You may apply for the Lane Bryant Card in-store, at the register, or online. The whole procedure just takes a few minutes, and you’ll know if you’re authorized or not. If you are, your account will be created and ready for use right immediately.
At What Other Stores Can I Use My Lane Bryant Card?
The Lane Bryant Card may be used at any Lane Bryant, Cacique, or outlet shop. The card may also be used online at any of their websites. Because this is an in-store credit card, it cannot be used at any other merchant.
What Are the Perks of the Lane Bryant Card?
Individuals with a Lane Bryant Card may use it to earn points that can be used for future purchases. You may also connect it to your Lane Rewards account to get additional benefits like as free delivery, extra points, and special cardholder events.
The Bottom Line
If you shop solely or on a frequent basis at Lane Bryant or any of its connected locations, the Lane Bryant Card might be for you. Every time you use the card, you’ll earn points that you can use for future purchases, free delivery on specific purchases, and special birthday deals. You’ll get even bigger benefits if you connect it to your Lane Rewards membership. However, unlike other cards, this one has a high APR of 26.99%, which is substantially more than its rivals. You can’t use it for ordinary purchases like a Visa or Mastercard, as you can with other in-store cards.
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