The Ultimate Guide to Credit Cards
Friday, January 27, 2023

Lane Bryant Credit Card Review (2023)

Lane Bryant Credit Card Review ([current_year])

Store Credit Card

Brittney Mayer

Written by: Eric Bank

Eric Bank

Eric Bank has been covering business and financial topics since 1985, specializing in taking complex subject matters and explaining them in simple terms for consumer audiences. In addition to his work on, Eric has appeared regularly on, eHow, WiseBread, The Nest,, Zacks, Chron and dozens of other outlets. A former software engineer, Eric holds an M.B.A. from New York University and an M.S. in finance from DePaul University.

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Edited by: Ashley Dull

Ashley Dull

With more than a decade of experience as a content manager and marketer, Ashley has specialized in finance coverage since 2015. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media campaigns. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among others.

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Reviewed by: Adam West

Adam West

Adam corresponds with finance experts to publish industry news coverage related to helping consumers achieve greater financial literacy and improved credit. He has more than 12 years of storytelling, editing, and design experience in print and online journalism and is most knowledgeable in the areas of credit scores, financial products and services, and the banking industry.

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Advertiser Disclosure

Founded by a young widow in 1904, Lane Bryant has long been a leading plus-size women's clothing retailer, but the brand's story goes much further than that. Lane Bryant — or, more precisely, its founder, Lena Bryant — actually pioneered plus-sized womenswear, as well as being the first manufacturer of the commercial maternity dress.

Today's Lane Bryant goes well beyond simple plus-size and maternity wear, offering everything from apparel and intimates to shoes and accessories from its 700-plus retail locations around the US. Good in any of those hundreds of stores, the Lane Bryant Credit Card allows cardholders to earn points for every purchase, making it a valuable prospect for a frequent shopper who won't fall victim to the card's high APR.

Lane Bryant Card Overall Rating: 3.3/5.0

Besides being limited to Lane Bryant family brands, the Lane Bryant Credit Card's primary drawback is it's hefty 28.24% APR, which can quickly turn any winning deals into costly losers as fees pile on. That said, if you're careful to pay off your card balance every month and don't mind a closed-loop card you can't use elsewhere, the Lane Bryant Credit Card can offer some decent value, but the card will be most lucrative for those who spend enough each year to reach a higher membership level.

All cardholders can earn 2X points per $1 spent on purchases made at Lane Bryant, Lane Bryant Outlet, Cacique,, and, as well as 1X point per $1 spent on purchases at Catherines and The actual value of those points will depend on your membership level, with basic Preferred Status members receiving a $10 credit rewards for every 400 points. If you reach Premier Status, those 400 points will net you $15, and you'll receive $20 for those 400 points as a Platinum Status-level cardholder.

Lane Bryant Credit Card

  • APR: 28.24% as of Jul 2019
  • Annual Fee: $0
  • Rewards: Earn 2X points per $1 on Lane Bryant purchases
★★★ 3.3/5.0

Your status will also impact how many rewards you can receive each month as a Lane Bryant Credit Card user. Preferred Status members can earn a maximum $40 credit reward each month, while Premier Status cardholders can earn up to $60, and Platinum Status members up to $80 a month. To reach Premier Status, cardholders will need to spend at least $400 on their Lane Bryant Credit Card each calendar year. Spending $800 or more each calendar year will get you to Platinum Status.

Rewards are issued at the end of the month following the one in which you earn them, and are valid for one full month after issuance. Your Lane Bryant Credit Card also unlocks a few other perks, including special monthly offers for extra points and exclusive cardholder deals and birthday gifts. Cardholders can also enjoy extended return windows, receiving up to 60 days to make a return so long as you have the receipt.

Approval Requirements & Application

Prospective applicants for the Lane Bryant Credit Card will need at least a fair credit score for the best chances of approval, as there are few reports of cardholders being approved with lower scores. To apply, head to your local Lane Bryant location, or fill out an easy online application through the link below.

Better Cards to Use at Lane Bryant

Although Lane Bryant Credit Card users can earn a respectable 5% rewards rate — or more, if they reach a higher Status level — the rewards of the card are its only real saving grace (and even those are limited by your status level). The card can't be used outside of the Lane Bryant family of brands, making it practically useless outside your favorite mall.

Furthermore, the card's huge 28.24% interest rate is barely competitive for a store card, let alone a prime consumer credit card. For most shoppers, the better value will be in an open-loop rewards credit card with no annual fee or a great interest rate offer.

Cash Back

Straightforward to earn and simple to redeem, cash back rewards are an easy way to save on every purchase without needing to worry about how to maximize your redemption options or increase your per-point value. You can find solid return rates for unlimited cash back rewards cards, or choose a card that offers even higher rates for purchases that fall into popular bonus categories.





  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
19.24% - 27.99% Variable

0% APR

If credit cardholders have a single bane, it's likely credit card interest fees, which can balloon even the smallest of balances into big nightmares. Introductory 0% APR card offers are the weapon of choice for many consumers in the battle against high rates, with many of the best cards offering 12 months or more of interest-free balances.

BankAmericard® credit card Review

at Bank Of America'ssecure website





  • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 21 billing cycles for purchases
0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days
16.24% - 26.24% Variable APR on purchases and balance transfers

Additional Disclosure: Bank of America is a CardRates advertiser.

Travel Rewards

When shopping for a new outfit or that perfect bathing suit, chances are you're also thinking about the perfect places to wear them. With a great travel rewards credit card, you can not only earn rewards on every new purchase, but you can redeem those rewards toward free travel expenses to ensure you have an amazing destination to show off your new duds.

Discover it® Miles Review

at Discover Card'ssecure website





  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • 0% intro APR for 15 months on purchases. Then 16.24% to 27.24% Standard Variable Purchase APR will apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
16.24% - 27.24% Variable APR

Beating the Lane Bryant Credit Card's high interest rates is easy for our favorite prime cards, and you can often earn great rewards while enjoying those low rates. What's more, you won't need to meet minimum spending requirements or run up against monthly rewards caps with most top rewards cards, giving you no limit on how much savings you can earn.

What Others Say About the Lane Bryant Credit Card

While many reviewers like the rewards offered by the Lane Bryant Credit Card, most dislike the high fees, lower credit limits, and limited usability. The card's customer service has also drawn a lot of reviewer ire, with reports of problems making payments and unfriendly service representatives.
A review from says:

We've had a Lane Bryant card for a few years now, first starting off as a basic member with $150 in credit, and ultimately leading up to platinum status at the moment with over $600 in credit. That's one heck of a shopping spree! Applying for the card was quick and easy and done right there on the spot in the store. We got our card in the mail about a week later so that was a really fast turn around. The APR is a little high, but when you reach platinum status you can call them up and negotiate for a lower rate. Having this card entitles you to their magazine monthly and you frequently get coupons for things like $75 off $150, which means you can really maximize your savings. I would like to see more credit line increases, but that and the APR are about the only negatives I can think of. —

★★★ 3.0/5.0
A review from says:

If you’re a frequent shopper at Lane Bryant, the brand known for focusing on women’s plus-size clothing, you may be tempted to apply for a Lane Bryant credit card. The retailer offers one card and you will probably be asked to fill out a Lane Bryant credit card application while you’re paying for your purchase in the store or during the online checkout process. After spontaneously deciding to get the card, many shoppers ask themselves, 'where can I use my Lane Bryant credit card?' Unfortunately, the Lane Bryant credit card can only be used in Lane Bryant stores or on their website. Before you sign on the dotted line for any credit card, you should consider whether the card benefits outweigh the potential costs. —

★★ 2.0/5.0
A review from says:

Seriously, I can't understand why they have all of these bad reviews. It didn't take but a few months to get a credit increase. The fees are more than fair. Nothing in life is free. Use the card reasonably and you shouldn't have many problems. —

★★★★ 4.0/5.0

Is the Lane Bryant Card Right for You?

As the pioneer of plus-size and maternity wear, Lane Bryant is no doubt a leading destination for shoppers of many shapes and sizes. And the Lane Bryant Credit Card can be a valuable addition to the wallets of any frequent shopper — within limits. Specifically, brand limits, rewards limits, and credit line limits, just to name a few.

If you spend enough each year to reach Platinum Status, these limits may be less of a concern, but for the typical consumer, they may be a little too, well, limiting. For the majority of shoppers, a more usable rewards card will probably end up being the better value in the end.

Advertiser Disclosure is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across (including, for example, the order in which they appear). does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.