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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Lane Bryant Credit Card review: Limited value even for Lane Bryant loyalists
When Ryan worked as a TPG credit cards writer, he oversaw refreshes of card reviews and card offer stories. He enjoyed racking up cash back and helping readers maximize their points and miles for their next big trip.
Olivia Mittak is a credit cards editor at TPG. She specializes in maximizing earn for points and miles, finding the best welcome bonuses and choosing the right credit cards for your wallet.
also contributed to this story
August 4, 2024 • 7 min read
MLADENBALINOVAC/GETTY IMAGES
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note:
Quick summary
The Lane Bryant store card is designed for frequent Lane Bryant shoppers, offering brand-specific rewards and perks.
It can only be used at Lane Bryant stores, lanebryant.com and Cacique, limiting its flexibility compared to general-purpose cards.
Rewards are tied to the Lane Rewards program, with points redeemable only at Lane Bryant locations.
Most benefits overlap with the Lane Rewards membership, reducing the card's unique value.
What to consider
The card requires a Lane Rewards membership to earn and redeem points, and rewards are worth 0.3 cents each per TPG's valuations as of June 2024.
To receive the welcome offer, you must use the card for a purchase on the same day you open it.
General cash-back or travel cards typically offer broader earning and redemption options, making them better suited for most consumers.
What you'll miss from the article
A detailed comparison of how this store card stacks up against general cash-back and other store cards, including specific pros and cons for frequent Lane Bryant shoppers.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
The Lane Bryant Credit Card is yet another store-issued credit card that offers a modicum of value for brand loyalists and not much else. It features some decent rewards for those who spend a lot at Lane Bryant but extremely limited value for everyone else. Card rating*: ⭐⭐
*Card rating is based on the opinion of TPG's editors and is 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 — meaning Lane Bryant stores, lanebryant.com and Cacique.
Let's break down this card's perks and benefits to help you decide if it's a good fit for you.
The information for the Lane Bryant Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Lane Bryant Credit Card pros and cons
Pros
Cons
No annual fee
Earn points on all purchases
Birthday offer and expanded return window
Most perks also require a Lane Rewards membership
Very limited earning and redemption options
Rewards aren't worth much when compared to major issuers' points and miles
The welcome offer on the Lane Bryant card is rather uninspiring: You'll get $20 off your first purchase when you open and use your Lane Bryant card on the same day.
THE POINTS GUY
Even aside from its paltry value, this offer is restrictive. You'll have to use your new card on the same day to qualify for your $20 reward.
Still, many store cards don't offer a welcome bonus, so the Lane Bryant card is a little ahead here in comparison.
If you have this card alongside a Lane Rewards membership, you can earn a few perks that offer some value for Lane Bryant loyalists.
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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 reward offer and free standard shipping on qualifying online purchases of $75 or more.
That's not a long list of perks, but since this card has no annual fee, it can add a bit of value to your next Lane Bryant trip. It's worth noting, however, that you can get most of these perks through a Lane Rewards membership on its own, so the Lane Bryant card isn't making a compelling case for itself here.
As mentioned, this card is tied to your Lane Rewards membership, meaning you'll have to have one to earn and redeem rewards. All Lane Bryant cardholders earn an extra 5 points per dollar spent on top of their tiered rewards. Here's how the rewards system breaks down:
Lane Rewards status
Annual spending requirement
Rewards earned
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 maximum points per dollar spent.
A baseline of 15 points per dollar on your purchases might sound lucrative, but as you'll see, it's more difficult than you might want it to be to squeeze value out of those rewards.
For every 3,000 points earned on the Lane Bryant card, you'll get $10 back in rewards. Therefore, points earned on this card are worth a paltry 0.3 cents apiece. 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.
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Those rewards rates look nice on paper, but unless you spend a lot with Lane Bryant every year, you're better off with a general cash-back or travel rewards card.
Which cards compete with the Lane Bryant Credit Card?
You should consider a different card if you don't spend frequently and exorbitantly at Lane Bryant. Here are three options to consider:
If you want solid earnings on all your purchases: The (see rates and fees) earns 2% back on all purchases (1% when you make a purchase and 1% when you pay it off). With it, you won't have to worry about whether you're shopping at the right place to get your best earnings. To learn more, check out our full review of the Citi Double Cash.
If you spend lots at Amazon: The (see rates and fees) earns 5% back on Amazon, Whole Foods Market and Chase Travel℠ purchases; 2% back at restaurants, at gas stations, and on local transit and commuting (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 on amazon.com. To learn more, check out our full review of the Prime Visa.
If you want to earn 5% at multiple merchants: The (see rates and fees) earns 5% back on quarterly rotating categories, such as grocery stores, 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). It also earns 5% back on Chase Travel, 3% back on dining and drugstore purchases, and 1% on all other purchases. To learn more, check out our full review of the Chase Freedom Flex.
The information for the Prime Visa has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The Lane Bryant Credit Card offers some decent earning rates for Lane Bryant loyalists, but if that isn't you, you're better off with a general 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 for no annual fee, it might be worth checking out.
The Lane Bryant card is a strong option for regular Lane Bryant shoppers who want a simple escalating rewards structure. But given its limited earning and redemption potential, you're almost always better off opening a general no-annual-fee cash-back or travel card instead.
