Lands' End Credit Card Review: Rewards, Fees & Benefits

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 2x

Point Value~0.01¢ each

ExpirationPoints expire 12 months from the date they are earned.

Redemption NotesRewards expire 90 days from the date they are issued. Rewards may not be applied to the purchase of gift cards, services, or charitable donations, or previous purchases. Rewards are not redeemable for cash or transferable. Rewards cannot be combined with other offers or discounts unless otherwise stated. Only one Reward may be redeemed per transaction.

Category	Rate	Type	Cap
Lands' End Purchases Earn 5 points per $1 spent on qualifying purchases online or in-store at Lands' End.	5x	Points	No cap
Gas Stations Earn 2 points per $1 spent on qualifying purchases at gas stations (available for Visa cardmembers).	2x	Points	No cap
Restaurants Earn 2 points per $1 spent on qualifying purchases at restaurants (available for Visa cardmembers).	2x	Points	No cap
Travel Earn 2 points per $1 spent on qualifying travel purchases, including car rentals, airlines, cruise lines, hotels, motels, and resorts (available for Visa cardmembers).	2x	Points	No cap
All Other Purchases Earn 1 point per $1 spent anywhere else Visa is accepted.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The Lands' End Credit Card does not charge an annual fee for card membership.	Financial	$0 annual fee Up to $0
Dedicated Customer Service Line (Star Status) Star status cardmembers (achieved by spending $500+ in a calendar year) receive access to a dedicated customer service line.	Lifestyle	Dedicated customer service
Special Birthday Offer Cardmembers receive a special offer during their birthday month. Specific offer details may vary.	Lifestyle	Varies
Lands' End Rewards Points Earning Earn 5 points for every $1 spent on Lands' End merchandise at landsend.com, Lands' End stores, and Lands' End catalogs.	Rewards	5 points per $1 spent
Lands' End Rewards Redemption For every 500 points earned, cardmembers will receive a $5 Lands' End Reward. Rewards expire 90 days from issuance.	Rewards	$5 reward for 500 points Up to $5
Early Access to Sales Cardmembers receive early access to Lands' End sales events before they are available to the general public.	Shopping	Early access
Exclusive Cardmember Offers Access to exclusive promotions, discounts, and savings events available only to Lands' End Credit Cardmembers.	Shopping	Varies
Free Expedited Shipping (VIP Status) VIP status cardmembers (achieved by spending $300-$499.99 in a calendar year) receive free expedited shipping on all orders placed on landsend.com, with no minimum purchase required.	Shopping	Free expedited shipping
Free Monogramming (VIP Status) VIP status cardmembers (achieved by spending $300-$499.99 in a calendar year) receive free monogramming on eligible Lands' End items.	Shopping	Free monogramming
Free Returns (Star Status) Star status cardmembers (achieved by spending $500+ in a calendar year) receive free returns on purchases.	Shopping	Free returns
Free Standard Shipping Cardmembers receive free standard shipping on all orders placed on landsend.com, with no minimum purchase required.	Shopping	Free standard shipping

Interest Rates

Purchase APR32.24% Variable

Cash Advance APR32.24%

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months. Minimum monthly payments required.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyEasy

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Student EligibleYes

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $200 – No limit listed

AvailabilityPR

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit, gaming welcome bonuses, excessive returns, rapid spending on new accounts, not paying bills on time, unusual spending patterns, credit cycling.

Cliff Effect Rules

The 'once per lifetime' rule for American Express welcome bonuses means that if you have ever received a welcome bonus for the specific 'lands-end-credit-card' product, you are generally ineligible to receive another bonus for the same product, even if you close and reapply for the card years later.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility requires applicants to be 18+ years old, a US resident, possess a valid SSN/ITIN, and have a good credit history. Application rules include a maximum of 2 credit card approvals from American Express every 90 days (2/90 rule). A welcome bonus is generally limited to one per card product per lifetime for American Express cards.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit, including a 36% Military Annual Percentage Rate (MAPR) cap.

Lands' End Credit Card