Let’s take a look How the Lane Bryant Credit Card Works
Lane Bryant offers a fully loaded retail reward credit card to its esteem customers. The issuer of this card is Comenity Financial Services Company. While the card comes with attractive bonuses, there are also some limitations associated with which customers must be mindful of why applying for.
This credit card is store-oriented only and not affiliated with Visa, Mastercard, or any other card networks. Therefore, the card can only be used at stores and websites in the Lane Bryant family including Lane Bryant, Cacique, the related outlet stores, and the company’s websites.
The advantage of this card is that Cardholders may choose to pay off the balance in full each month or carry the same with lesser payments over time.
They enjoy a 25-day grace period, while people who pay off the card in full each month automatically avoid interest payments altogether.
Key Takeaways
- The Lane Bryant Card is an in-store card that is used online or in-store at Lane Bryant and Cacique locations and outlets.
- The card is with fully loaded rewards, including points that can be applied to future purchases, free shipping, and exclusive events.
- Fair credit is at least needed before applying for the Lane Bryant Card.
- As of February 2021, the annual percentage rate for the Lane Bryant Card was 26.99%.
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Lane Bryant Credit Card Rewards and Benefits
The Lane Bryant in-store credit card offers loyal shoppers a number of different bonuses.
This card allows the accumulation of points that can be used for future purchases. A point per dollar accrues from any purchases made with the card either online or at participating stores when the account is linked with a Lane Rewards Membership. This means Cardholders can redeem 3,000 points for a $10 reward.
New Cardholders receive a $20 discount off their first purchase when they open and use their account on the same day.
The Card also offers customers:
- Free standard shipping on purchases of $75 or more
- Extended returns (as long as you have a rewards membership)
- Special affairs
- Special birthday offers
Cardholders who are part of the rewards program are divided into different tiers as follows:
- Silver (spend up to $349): earn 15 points for every $1 you spend and extended returns for 60 days.
- Gold (spend between $350 and $799): earn 20 points for every $1 you spend and extended returns for 60 days.
- Platinum (spend more than $800): earn 25 points for every $1 you spend and extended returns for 60 days.
Where to Get the Lane Bryant Card
All you need to do is to fill out an application to get the Lane Bryant Card. This can be done either at any store at the cash register or online application. The parameter for approval is same as any other credit product as credit score, income, and other debt.
What Type of Credit is required for the Lane Bryant Card
Lane Bryant or Comenity could not state the required minimum credit score for any credit card approval. Obviously, it is fair to say that probably you may need at least fair credit to qualify.
That means a minimum of 580 is needed, according to Experian. It’s always a good idea to check your credit score before you apply for this or any other credit card.
Where Can the Lane Bryant Card Be Used?
Lane Bryant Card can be used at any participating stores such as Lane Bryant or Cacique stores as well as any affiliated outlet stores.
On the other hand, your card can be used for online purchases on the company’s website hence it is a store credit card and can’t be used at other retailers for everyday purchases.
Alternatives to the Lane Bryant Card
Victoria’s Secret Angel Credit Card is also store-only, and can only be used at Victoria’s Secret family of stores just like the Lane Bryant card.
Cardholders can earn one point per dollar spent for the purchases made, with $10 vouchers awarded for every 250 points accumulated.
This is increased to $15 per 250 points once a cardholder earns more than 1,000 points. New cardholders are rewarded with $15 off the first purchase made on the credit card. This card has an annual interest rate of 24.99%.
The Gap’s credit card also serves as an alternative haven come in two versions: Store-only or with added Visa affiliation.
This allows Gap cardholders with Visa to accrue bonus points at Visa accepted points. There is a signup discount of 20% for new Gap cardholders.
Any purchases made at the Gap family of stores (Gap, Banana Republic, Old Navy, and the outlets) comes with five points per dollar spent, while purchases made elsewhere receive one point per dollar (Visa-enabled cards only).
For standard customers, vouchers of $5 reward are given for every accumulated 500 points. While regular customers who reach Silver status also get an extra 20% bonus points per quarter. The interest rate for both cards is 25.99%.
Terms and Conditions of the Lane Bryant Card
Care more to read through in between lines the terms and conditions of the Lane Bryant Card before applying. The terms and conditions include the APR, late payment fees, penalties, and other useful information.
The following is an update for the Lane Bryant Card as of February 2021:
- Annual percentage rate (APR): 26.99%
- Grace period: 25 days
- Late payment fee: up to $40
- Returned payment fee: up to $40
- Annual fee: $0
Ensure you assess the terms and conditions of the Lane Bryant card before applying just as any other credit card.
Who Should Consider the Lane Bryant Card
Regular shoppers at the Lane Bryant family of stores are the core benefit of this card. This card perfectly works for those who are part of the Lane Rewards program. The more you spend with this card, qualify you to the Platinum level for greater rewards.
The Bottom Line
If you are a regular shopper at Lane Bryant or its affiliated stores, the Lane Bryant Card may just be the perfect one for you.
This card guarantee you points every time you use the card thereby allowing you to enjoy future purchases, free shipping on certain purchases, and special birthday offers. If also link to your Lane Rewards membership, it qualifies you for even better rewards.
Questions Frequently Asked
How do I get a Lane Bryant Card?
You have to apply for the Lane Bryant Card in-store right at the register or online. The application process doesn’t take much time. In few minutes you will find out whether approved. If approved, your account is automatically opened for you to use right away.
At what other stores can I use my Lane Bryant Card?
Your Lane Bryant Card can be used at any Lane Bryant, Cacique, or outlet stores. Also, it can be used online at any of their websites. But can’t be used at any other retailer hence it is in-store credit card.
What are the bonuses of the Lane Bryant Card?
Cardholders can use it to accumulate points that can be used toward future purchases. You can also link it with your Lane Rewards membership to accumulate even more rewards like free shipping, more points, and exclusive cardholder events.
