Apply for Lane Bryant Credit Card – All You Need To Know

Do you shop at Lane Bryant or their other brands like Cacique? You should have been asked about getting the Lane Bryant Credit Card. This store card gives rewards and blessings but additionally has some obstacles. In this article, we will cover all the key information so you can decide if it’s the right one for you.

Lane Bryant Credit Card

How Lane Bryant Credit Card Works

  • The Lane Bryant Credit Card is a retail shop card which can only be used at Lane Bryant, Cacique, their outlet shops, and websites. They are in partnership with the Comenity Bank. It’s a 3rd-party bank that manages many store credit paying cards.
  • As a Lane Bryant cardholder, you have two options in every billing cycle. It’s either you pay your full stability to keep away from high expenses, or pay the minimal and deliver over the final tenor (with interest).

One key limitation: This card cannot be used anywhere except Lane Bryant-affiliated brands and properties. It’s not connected to Visa, MasterCard, or other major credit card networks.

Lane Bryant Credit Card Features/Benefits

Below are some of the key features and benefits that come with Lane Bryant credit cards:

1. Lane Loyal Rewards Points

  • One of the biggest draws of the Lane Bryant Credit Card is the ability to earn rewards points through their Lane Loyal Rewards program. Here’s how it works:
  • For every $1 spent using your Lane Bryant card at Lane Bryant, Cacique, or their outlets/websites, you earn 1 reward point.
  • Your card needs to be linked to your Lane Loyal account to earn points.
  • Points can be redeemed for reward certificates to use on future purchases. I.e. 3,000 points = $10 rewards certificate.
  • Higher spenders earn bonus points per $1 at higher tiers:
  • Silver Tier (spend up to $349 annually) – 15 points per $1
  • Gold Tier (spend $350 – $799 annually) – 20 points per $1
  • Platinum Tier (spend $800+ annually) – 25 points per $1

So the more you spend with your Lane Bryant card, the faster you’ll earn rewards to redeem for savings on future purchases.

2. Special Financing Promotions

The Lane Bryant card gives unique financing promotions on larger purchases while you use their card. These purchases assist you in repaying your balance through the years and not using interest costs. Common promos include:

  • There are no interest fees if paid in full within 6 months.
  • There are no interest fees if paid completely within 12 months.

This can permit you to make a larger purchase and pay it off step by step over 6 or 12 months. The Interest won’t be increased as long as you pay it all off through the deadline.

3. New Card membership Bonus

A new Lane Bryant Credit Card members receive a special $20 discount. This can be used on their first purchase made with the new card on the same day the account is opened.

4. Other Cardholder Benefits

Along with rewards points and special financing deals, the Lane Bryant Credit Card provides some additional perks:

  • Free standard shipping on online orders of $75 or more.
  • Extended return windows compared to non-cardholders.
  • Access to exclusive card member sales and events.
  • Special birthday offer or discount.

Where Can I Use the Lane Bryant Credit Card?

One key limitation is that the Lane Bryant Credit Card can only be used at:

  • Lane Bryant retail stores
  • Cacique stores
  • Lane Bryant and Cacique’s websites
  • Lane Bryant and Cacique outlet stores

It cannot be used anywhere else, unlike regular Visa or MasterCard credit cards that can be used almost anywhere.

Lane Bryant Credit Card Annual Fee, Costs/APR

The Lane Bryant Credit Card has:

  • $0 annual fee
  • 99% -35.24% APR as of 2021 (relatively high compared to other cards)

If you miss the due date, you will incur a late fee of up to $40 plus a refund.

Requirements For a Lane Bryant Credit Card

To be approved for the Lane Bryant Credit Card, you will need to meet Comenity Bank’s credit criteria. There is no set minimum credit score, but you generally need a decent or average credit score (FICO score of 580+).

Your chances of being approved depend on all your credit information such as your credit score, income, existing debt and credit history. Those with higher scores and lower credit scores will have a better chance of qualifying and having higher credit limits.

Apply for Lane Bryant Credit Card

  • You can apply for the Lane Bryant Card online through their website, or in person at the checkout in any Lane Bryant/Checkout store.
  • The entire application process takes just a few minutes.
  • There are also late payment and returned payment fees of up to $40 if you miss a payment due date.
  • You’ll need to provide some personal and financial information like your Name, address, date of birth, Social Security number, total annual income, monthly housing payment, etc.

You’ll receive an instant decision on whether you’re approved or not. If approved, you can start using the new credit card account right away.

Card Activation And How to Make Payments With my New Lane Bryant Credit Card

After you’ve been successfully accepted, follow the instructions provided to help activate your new Lane Bryant credit card account. This usually just involves calling a number or going online to complete activation.

You’ll receive your first statement showing your monthly minimum payment and due date. You can make payments through a few different ways:

  • Online through your Comenity Bank account.
  • By phone use the Lane Bryant app on either Apple Store or Play Store.

Be sure to make at least the minimum payment each month by the due date to avoid late fees.

Who Should Consider the Lane Bryant Card?

The Lane Bryant Credit Card can be meaningful if you spend a decent amount shopping at Lane Bryant, Cacique, or their outlet stores each year. The rewards program and additional cardholder perks like free shipping can provide extra value.

However, the strict limitation which is a major downside is the fact that it can only be used within their brand ecosystem compared to general-use rewards cards. The higher interest rates of 26.99%- 35.24% APR is another drawback if you revolve a balance month-to-month.

Those who only make occasional Lane Bryant purchases likely won’t get enough value to make it worthwhile. You’re generally higher off using a conventional rewards credit card that earns points everywhere.

Ultimately, the Lane Bryant Credit Card is a first-rate suited for frequent Lane Bryant shoppers; who can maximize the rewards and consistently pay their money in full each month.


The Lane Bryant Credit Card presents loyal clients with a way to earn reward points and gain big discounts. While the reward structure and benefits are respectable, the major backsides are the limitations attached to where you could use the card. If Lane Bryant is your cross-to-store, you could take full gain of the rewards software.

The card can be a great addition to your pockets. Just be sure to pay off your balance monthly to keep away from interest fees.

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