Lane Bryant Credit Card review: Limited value even for Lane Bryant loyalists
Lane Bryant Credit Card overview
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 |
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Related: How to choose a cash-back credit card
Lane Bryant Credit Card welcome offer
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.
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.
Related: This month's best welcome offers
Lane Bryant Credit Card benefits
If you have this card alongside a Lane Rewards membership, you can earn a few perks that offer some value for 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 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.
Related: Credit card perks and benefits you should be using
Earning points on the Lane Bryant Credit Card
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.
Related: Maximize your earnings this year
Redeeming 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, 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.
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.
Related: What is a rewards credit card, and how does it work?
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 Citi Double Cash® Card (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 Prime Visa (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 Chase Freedom Flex® (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.
For additional options, check out our full list of the best store credit cards and best cash-back cards.
Related: Store vs. cash-back cards: Which one should I get?
Is the Lane Bryant Credit Card worth it?
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.
Related: How to choose the best credit card for you
Bottom line
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.
Related: Why store credit cards are (almost) always a bad idea
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.