Lane Bryant Credit score Card overview
The Lane Bryant Credit score Card is one more store-issued bank card that provides a modicum of worth for model loyalists and never a lot else. It options some respectable rewards for many who spend rather a lot at Lane Bryant however extraordinarily restricted worth for everybody else. Card ranking*: ⭐⭐
*Card rating relies 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 of 670 or greater for the very best likelihood of approval.
You will additionally need to do not forget 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 fit 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 supplied by the cardboard issuer.
Lane Bryant Credit score Card professionals and cons
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Associated: How to choose a cash-back credit card
Lane Bryant Credit score Card welcome provide
The welcome provide on the Lane Bryant card is fairly uninspiring: You will get $20 off your first buy if you open and use your Lane Bryant card on the identical day.
Even other than its paltry worth, this provide is restrictive. You will have to make use of your new card on the identical day to qualify to your $20 reward.
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Nonetheless, many store cards do not provide a welcome bonus, so the Lane Bryant card is slightly forward right here as compared.
Associated: This month’s best welcome offers
Lane Bryant Credit score Card advantages
In case you have this card alongside a Lane Rewards membership, you may earn just a few perks that provide some worth for Lane Bryant loyalists.
You will get a $10 reward for each 3,000 factors you accumulate (extra on incomes factors later). You will additionally take pleasure in an prolonged window for returns, a particular birthday reward provide and free normal delivery on qualifying on-line purchases of $75 or extra.
That is not a protracted checklist of perks, however since this card has no annual charge, it will probably add a little bit of worth to your subsequent Lane Bryant journey. It is price 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: Credit card perks and benefits you should be using
Incomes factors on the Lane Bryant Credit score Card
As talked about, this card is tied to your Lane Rewards membership, which means you may 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 have to 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 may see, it is harder than you may want it to be to squeeze value out of these rewards.
Associated: Maximize your earnings this year
Redeeming factors on the Lane Bryant Credit score Card
For each 3,000 factors earned on the Lane Bryant card, you may get $10 again in rewards. Due to this fact, factors earned on this card are worth 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 except you spend rather a lot with Lane Bryant yearly, you are higher off with a normal cash-back or travel rewards card.
Associated: What is a rewards credit card, and how does it work?
Which playing cards compete with the Lane Bryant Credit score Card?
It is best to take into account a special card when you do not spend continuously and exorbitantly at Lane Bryant. Listed here are three choices to contemplate:
- If you would like stable earnings on all of your purchases: The Citi Double Cash® Card (see rates and fees) earns 2% again on all purchases (1% if you make a purchase order and 1% if 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, try our full review of the Citi Double Cash.
- For those who spend heaps at Amazon: The Prime Visa earns 5% again on Amazon, Complete Meals Market and Chase Journey℠ purchases; 2% again at eating places, at gasoline stations, and on native transit and commuting (together with ride-hailing); and 1% again on all different purchases. Prime Visa cardholders can even earn 10% or extra on a rotating choice of gadgets and classes on amazon.com. To be taught extra, try our full review 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, equivalent to 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, try our full review of the Chase Freedom Flex.
For extra choices, try our full checklist of the best store credit cards and best cash-back cards.
Associated: Store vs. cash-back cards: Which one should I get?
Is the Lane Bryant Credit score Card price it?
The Lane Bryant Credit score Card affords some respectable incomes charges for Lane Bryant loyalists, but when that is not you, you are higher off with a normal cash-back or travel rewards card. Then again, when 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 price trying out.
Associated: How to choose the best credit card for you
Backside line
The Lane Bryant card is a robust choice for normal Lane Bryant buyers who need a easy escalating rewards construction. However given its restricted incomes and redemption potential, you are nearly all the time higher off opening a normal no-annual-fee cash-back or journey card as an alternative.
Associated: Why store credit cards are (almost) always a bad idea
