Lane Bryant Credit Card Reviews 2023 – Is It Worth It?

When it comes to shopping for plus-size clothing, Lane Bryant is a well-known and respected retailer. The brand not only offers a wide range of stylish and comfortable clothing options but also provides its loyal customers with a credit card designed to make their shopping experience even more rewarding. In this in-depth review of the Lane Bryant Credit Card for 2023, you’ll find valuable information to help you decide if this card is the right choice for you.

Overview of the Lane Bryant Credit Card

The Lane Bryant Credit Card, issued by Comenity Bank, is designed specifically for loyal customers who frequently shop at Lane Bryant, Cacique, and their associated brands. This card offers a variety of benefits that can make your shopping experience more enjoyable and rewarding.

Rewards Program

One of the primary reasons you might consider applying for a Lane Bryant Credit Card is its attractive rewards program. For every dollar you spend on eligible purchases at Lane Bryant and its associated brands, you’ll earn two points. Once you reach 400 points, you’ll receive a $10 rewards cheque, which you can use towards future purchases.

As a cardholder, you’ll also have access to exclusive sales events, special birthday offers, and additional rewards for spending milestones. However, it’s essential to note that the rewards points expire six months after they’re earned, so you’ll want to make sure to use them within that timeframe.

Interest Rates and Fees

While the rewards program may be enticing, it’s crucial to weigh the costs and fees associated with the Lane Bryant Credit Card. The card comes with a relatively high annual percentage rate (APR) of 29.24%, which is a variable rate subject to change based on market conditions. This high-interest rate can quickly negate any rewards you earn if you don’t pay off your balance in full each month.

It’s also worth noting that the Lane Bryant Credit Card has no annual fee, which is a plus for those who want to enjoy the card’s benefits without any additional yearly cost. However, you’ll want to be mindful of potential late payment fees, which can reach up to $40.

Credit Score Requirements

To qualify for the Lane Bryant Credit Card, you’ll typically need a fair to good credit score. While this means the card may be accessible to a wider range of applicants, those with excellent credit scores might find better options elsewhere, as cards with lower interest rates and more versatile rewards programs are often available to those with top-notch credit.

Customer Experience

When it comes to customer experience, the Lane Bryant Credit Card has received mixed reviews. Some cardholders appreciate the special offers and rewards that come with the card, while others have reported difficulties with customer service and account management. Before applying for this card, it’s wise to weigh the potential benefits against any potential drawbacks you might encounter.

Pros and Cons of the Lane Bryant Credit Card


  • No annual fee
  • Generous rewards program, with 2 points earned per dollar spent on eligible purchases
  • Exclusive cardholder benefits, including special sales events and birthday offers


  • High APR of 29.24%
  • Rewards points expire after six months
  • Limited usability outside of Lane Bryant and associated brands
  • Mixed customer service reviews


Overall, the Lane Bryant Credit Card can be a worthwhile option for loyal shoppers who frequently make purchases at Lane Bryant and its associated brands. With no annual fee and an appealing rewards program, the card can help you save money on your favorite plus-size clothing options.

However, it’s essential to consider the high APR and limited usability of the card outside of Lane Bryant-affiliated stores before making a decision. If you tend to carry a balance from month to month, the high-interest rate can quickly outweigh the benefits of the rewards program. Additionally, if you’re looking for a credit card with more versatile rewards and wider acceptance, you may want to explore other options.

Alternatives to the Lane Bryant Credit Card

If you’re on the fence about the Lane Bryant Credit Card or simply want to compare it to other options, consider these alternative credit cards:

a. Cashback credit cards: General cashback credit cards, such as Chase Freedom Unlimited or Capital One Quicksilver, offer rewards on a wide range of purchases, not just at specific retailers. These cards often come with lower interest rates and more versatile rewards, making them a potentially better choice if you’re looking for a card with broader acceptance.

b. Store-specific credit cards: If you’re a loyal shopper at other retailers, consider applying for a store-specific credit card from those brands. Many retailers offer cards with similar rewards programs and exclusive benefits, so you may find a better fit based on your shopping preferences.

c. Secured credit cards: If you’re looking to build or improve your credit, a secured credit card could be a suitable alternative. These cards require a security deposit, which often determines your credit limit, but they can help you establish a positive credit history, ultimately paving the way for better credit card options in the future.

How to Apply for the Lane Bryant Credit Card

If you’ve decided that the Lane Bryant Credit Card is the right fit for you, applying is a straightforward process. You can apply online through the Lane Bryant website or in-store at any Lane Bryant location. You’ll need to provide personal information, such as your name, address, Social Security number, and annual income, to complete the application.

Once you submit your application, you should receive a decision within a few minutes. If you’re approved, your card will arrive in the mail within 7-10 business days, and you can start enjoying the benefits and rewards it offers.

Final Thoughts

The Lane Bryant Credit Card can be a valuable addition to the wallet of a loyal Lane Bryant shopper, thanks to its generous rewards program and exclusive cardholder benefits. However, the high APR and limited usability outside of Lane Bryant stores make it less appealing for those who want a more versatile credit card or tend to carry a balance. By carefully considering your shopping habits, credit score, and financial goals, you can determine if this card is the best choice for you in 2023.

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