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 first rate rewards for individuals who spend quite a bit 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 greater for one of the best likelihood of approval.
You will additionally need to do not forget that this card can solely be used at Lane Bryant-branded places — that 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 supplied by the cardboard issuer.
Lane Bryant Credit score Card professionals 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 will get $20 off your first buy if you open and use your Lane Bryant card on the identical day.
Even except for its paltry worth, this supply is restrictive. You will 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 bit of 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 supply 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 supply and free customary delivery on qualifying on-line purchases of $75 or extra.
That is not a protracted record of perks, however since this card has no annual charge, it could add a little bit of worth to your subsequent Lane Bryant journey. It is value noting, nevertheless, that you may get most of those perks via 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 you have to be utilizing
Incomes factors on the Lane Bryant Credit score Card
As talked about, this card is tied to your Lane Rewards membership, that means you may must have one to earn and redeem rewards. All Lane Bryant cardholders earn an additional 5 factors per greenback spent on prime 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 |
It’s essential 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 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 may get $10 again in rewards. Due to this fact, 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.
Meaning 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 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 special card should you do not spend continuously and exorbitantly at Lane Bryant. Listed here are three choices to contemplate:
- If you’d like strong earnings on all of your purchases: The Citi Double Money® Card (see charges and costs) 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 buying on the proper place to get your greatest earnings. To study extra, try our full evaluation of the Citi Double Money.
- If you happen to spend tons 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 also can earn 10% or extra on a rotating collection of gadgets and classes on amazon.com. To study extra, try our full evaluation 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, comparable 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, try our full evaluation of the Chase Freedom Flex.
For extra choices, try our full record of one of the best 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 first rate 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. However, should you’re planning a Lane Bryant buying spree or two and need to earn some brand-specific rewards for no annual charge, it may be value trying out.
Associated: How to decide on one of the best bank card for you
Backside line
The Lane Bryant card is a robust possibility for normal Lane Bryant consumers who need a easy escalating rewards construction. However given its restricted incomes and redemption potential, you are nearly 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 (nearly) at all times a foul concept
