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
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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.
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
Rewards
| 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. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
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 $6,000 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.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 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. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
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 $6,000 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.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.