If you're a frequent shopper of plus-size fashion who wants to earn cash rewards to support your Lane Bryant shopping habit, then this retail store card can be a good addition to your wallet. The Lane Bryant credit card is offered through Comenity Bank and the terms and conditions are typical of what you'd expect for a store card. In other words, it's not ideal for anyone who doesn't routinely pay their balances in full each month.
However, if the bulk of your closet has Lane Bryant labels on it, the savings and cardholder benefits could be worthwhile. Truth be told, if you have stellar credit, you're probably better served by choosing a non-store branded cash back card that can offer a lower APR and better earnings and redemption options. But, if you're a Lane Bryant loyalist who's trying to build up your credit, this card can help you do just that and save you a few bucks at your favorite clothing store.
The Lane Bryant card is all about rewarding loyalty, which is why the better rewards go to top shoppers. In addition to the two points per dollar you can earn with Lane Bryant and Cacique purchases, you can also earn one point for purchases at Catherines and Catherines.com. This gives cardholders another plus-size fashion option, whereas most retail cards can only be used at one store.
Lane Bryant rewards do have limits so you'll want to pay attention to the fine print. You can earn up to $40 in rewards per month at Preferred level, $60 as a Premier user, and $80 in the Platinum tier. In other words, if you spend more than $800 in a given month, you stop benefiting.
Since that's a fairly high amount, it's not likely to affect the majority of shoppers who might not have that high of a credit limit to begin with. Be sure to pay attention to the expiration date on any Lane Bryant Rewards check you receive. Not all store locations will honor a reward once its valid date has passed.
Frequent shoppers at the Lane Bryant family of stores will benefit the most from this card.
If you think that applies to you, here are some other questions to ask yourself:
- Do you do a lot of shopping in Lane Bryant stores? Put another way, do you wear their styles most of the time?
- Will you be able to pay your balance in full each month to avoid interest charges?
- Is your credit score above 600? The Lane Bryant credit card is typically issued to those who have a FICO score of at least 600.
If you've answered yes to the questions above, the Lane Bryant card could be the perfect fit for you. Lane Bryant offers those approved for the card $20 off their first purchase.
It's nice to have a dollar amount rather than a percentage off if you aren't making a large purchase when you apply.
For instance, many stores offer 15% off the first purchase so you'd have to spend around $135 to save $20.
An extended return policy. Cardholders have the ability to return items 60 days after purchase with a receipt; non-cardholders only get 45 days.
Gift and exclusives. Lane Bryant cardholders receive a birthday gift discount up to $20 as well as exclusive offers and promotions (like being able to earn and bank extra points) that regular shoppers can't access.
In conclusion, if Lane Bryant's plus-sized fashion is totally your style, this card is a great fit.
Put those rewards to good use. Those $10 Rewards check are the perfect excuse to add some fun accessories to your shopping bag, guilt-free!
Go big on bonuses.Who doesn't love birthday gifts and feeling like they're part of an exclusive club? Lane Bryant is all about offering both.
Test the credit waters. Whether you're a younger shopper new to the credit world or have had a few money missteps in the past, the Lane Bryant card may be your chance to practice good credit behavior and get rewarded for it!