Lane Bryant Credit score Card overview
The Lane Bryant Credit score Card is yet one more store-issued bank card that gives a modicum of worth for model loyalists and never a lot else. It options some respectable rewards for many who spend so much at Lane Bryant however extraordinarily restricted worth for everybody else. Card score*: ⭐⭐
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Lane Bryant card has no annual charge, and TPG recommends a credit score rating of 670 or increased for the very best likelihood of approval.
You may additionally need to keep in mind that this card can solely be used at Lane Bryant-branded places — which means Lane Bryant shops, lanebryant.com and Cacique.
Let’s break down this card’s perks and advantages that can assist you determine if it is a good match for you.
The knowledge for the Lane Bryant Credit score Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Lane Bryant Credit score Card execs and cons
| Professionals | Cons |
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Associated: How to decide on a cash-back bank card
Lane Bryant Credit score Card welcome provide
The welcome provide on the Lane Bryant card is quite uninspiring: You may get $20 off your first buy while you open and use your Lane Bryant card on the identical day.
Even apart from its paltry worth, this provide is restrictive. You may have to make use of your new card on the identical day to qualify to your $20 reward.
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Nonetheless, many retailer playing cards do not provide a welcome bonus, so the Lane Bryant card is slightly forward right here as compared.
Associated: This month’s greatest welcome gives
Lane Bryant Credit score Card advantages
You probably have this card alongside a Lane Rewards membership, you may earn a couple of perks that provide some worth for Lane Bryant loyalists.
You may get a $10 reward for each 3,000 factors you accumulate (extra on incomes factors later). You may additionally get pleasure from an prolonged window for returns, a particular birthday reward provide and free customary delivery on qualifying on-line purchases of $75 or extra.
That is not an extended record of perks, however since this card has no annual charge, it may possibly add a little bit of worth to your subsequent Lane Bryant journey. It is value noting, nevertheless, which you could get most of those perks by means of a Lane Rewards membership by itself, so the Lane Bryant card is not making a compelling case for itself right here.
Associated: Bank card perks and advantages try to be utilizing
Incomes factors on the Lane Bryant Credit score Card
As talked about, this card is tied to your Lane Rewards membership, which means you will need to have one to earn and redeem rewards. All Lane Bryant cardholders earn an additional 5 factors per greenback spent on high of their tiered rewards. This is how the rewards system breaks down:
| Lane Rewards standing | Annual spending requirement | Rewards earned |
|---|---|---|
| Silver | $0 | 15 factors per greenback |
| Gold | $350 | 20 factors per greenback |
| Platinum | $800 | 25 factors per greenback |
You should use your Lane Bryant card to make your whole purchases to earn most factors per greenback spent.
A baseline of 15 factors per greenback in your purchases may sound profitable, however as you will see, it is tougher than you may want it to be to squeeze worth out of these rewards.
Associated: Maximize your earnings this yr
Redeeming factors on the Lane Bryant Credit score Card
For each 3,000 factors earned on the Lane Bryant card, you will get $10 again in rewards. Subsequently, factors earned on this card are value a paltry 0.3 cents apiece. After all, cardholders can solely redeem their rewards at Lane Bryant places.
Which means Lane Rewards Silver members will primarily earn round 4.5% again on their purchases, Lane Rewards Gold members 6% again and Lane Rewards Platinum members 7.5% again.
These rewards charges look good on paper, however until you spend so much with Lane Bryant yearly, you are higher off with a normal cash-back or journey rewards card.
Associated: What’s a rewards bank card, and the way does it work?
Which playing cards compete with the Lane Bryant Credit score Card?
It’s best to think about a special card in case you do not spend steadily and exorbitantly at Lane Bryant. Listed below are three choices to contemplate:
- In order for you stable earnings on all of your purchases: The Citi Double Money® Card (see charges and costs) earns 2% again on all purchases (1% while you make a purchase order and 1% while you pay it off). With it, you will not have to fret about whether or not you are procuring on the proper place to get your greatest earnings. To be taught extra, take a look at our full evaluate of the Citi Double Money.
- Should you spend heaps at Amazon: The Prime Visa earns 5% again on Amazon, Entire Meals Market and Chase Journey℠ purchases; 2% again at eating places, at fuel stations, and on native transit and commuting (together with ride-hailing); and 1% again on all different purchases. Prime Visa cardholders may also earn 10% or extra on a rotating collection of gadgets and classes on amazon.com. To be taught extra, take a look at our full evaluate of the Prime Visa.
- If you wish to earn 5% at a number of retailers: The Chase Freedom Flex® earns 5% again on quarterly rotating classes, resembling grocery shops, gyms and even Goal, supplying you with a wider vary of alternatives to maximise your money again (on as much as $1,500 in mixed purchases every quarter you activate). It additionally earns 5% again on Chase Journey, 3% again on eating and drugstore purchases, and 1% on all different purchases. To be taught extra, take a look at our full evaluate of the Chase Freedom Flex.
For added choices, take a look at our full record of the greatest retailer bank cards and greatest cash-back playing cards.
Associated: Retailer vs. cash-back playing cards: Which one ought to I get?
Is the Lane Bryant Credit score Card value it?
The Lane Bryant Credit score Card gives some respectable incomes charges for Lane Bryant loyalists, but when that is not you, you are higher off with a normal cash-back or journey rewards card. However, in case you’re planning a Lane Bryant procuring spree or two and need to earn some brand-specific rewards for no annual charge, it could be value trying out.
Associated: How to decide on the very best bank card for you
Backside line
The Lane Bryant card is a powerful possibility for normal Lane Bryant buyers who desire a easy escalating rewards construction. However given its restricted incomes and redemption potential, you are virtually at all times higher off opening a normal no-annual-fee cash-back or journey card as a substitute.
Associated: Why retailer bank cards are (virtually) at all times a nasty concept
