Lane Bryant Credit score Card overview
The Lane Bryant Credit score Card is yet 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 quite a bit at Lane Bryant however extraordinarily restricted worth for everybody else. Card score*: ⭐⭐
*Card score 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 rating of 670 or greater for the very best probability of approval.
You may additionally need to keep in mind that this card can solely be used at Lane Bryant-branded areas — which means Lane Bryant shops, lanebryant.com and Cacique.
Let’s break down this card’s perks and advantages that will help you resolve if it is a good match for you.
The data 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
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Associated: How to decide on a cash-back bank card
Lane Bryant Credit score Card welcome supply
The welcome supply on the Lane Bryant card is slightly uninspiring: You may get $20 off your first buy if you open and use your Lane Bryant card on the identical day.
Even apart from its paltry worth, this supply is restrictive. You may have to make use of your new card on the identical day to qualify in your $20 reward.
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Nonetheless, many retailer playing cards do not supply a welcome bonus, so the Lane Bryant card is a little bit forward right here compared.
Associated: This month’s greatest welcome gives
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 supply 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 take pleasure in an prolonged window for returns, a particular birthday reward supply and free commonplace transport on qualifying on-line purchases of $75 or extra.
That is not a protracted listing of perks, however since this card has no annual charge, it will possibly add a little bit of worth to your subsequent Lane Bryant journey. It is value noting, nevertheless, 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. Here 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 need to use your Lane Bryant card to make your entire 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 12 months
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. Due to this fact, factors earned on this card are value a paltry 0.3 cents apiece. In fact, cardholders can solely redeem their rewards at Lane Bryant areas.
Which means Lane Rewards Silver members will basically 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 quite a bit with Lane Bryant yearly, you are higher off with a basic 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?
You must take into account a distinct card if you happen to do not spend ceaselessly and exorbitantly at Lane Bryant. Listed below are three choices to think about:
- If you would like strong earnings on all of your purchases: The Citi Double Money® Card (see charges and charges) 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 study extra, take a look at our full assessment 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 earn 10% or extra on a rotating collection of objects and classes on amazon.com. To study extra, take a look at our full assessment 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, providing 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 study extra, take a look at our full assessment of the Chase Freedom Flex.
For added choices, take a look at our full listing 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 basic cash-back or journey rewards card. Then again, if you happen to’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 testing.
Associated: How to decide on the very best bank card for you
Backside line
The Lane Bryant card is a robust possibility for normal Lane Bryant consumers 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 basic no-annual-fee cash-back or journey card as an alternative.
Associated: Why retailer bank cards are (virtually) at all times a nasty concept