Lane Bryant Credit Card Review: Rewards, Fees & Benefits

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 2x

Point Value~0.05¢ each

ExpirationPoints will expire 12 months from the date they are earned. Rewards are valid for 90 days from the date of issuance.

Redemption NotesPoints and Rewards have no cash value and are not transferable. Rewards are valid for 90 days from the date of issuance.

Category	Rate	Type	Cap
Lane Bryant & Cacique Purchases Purchases made at Lane Bryant and Cacique stores or online.	2x	Points	No cap
All Other Purchases Purchases made everywhere else Visa is accepted.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Cacique Purchase Points Earning Earn 1 point for every $1 spent on eligible purchases at Cacique and cacique.com using your Lane Bryant Credit Card.	Shopping	1 point per $1
Lane Bryant Purchase Points Earning Earn 2 points for every $1 spent on eligible purchases at Lane Bryant and lanebryant.com using your Lane Bryant Credit Card.	Shopping	2 points per $1
Rewards Certificate Redemption For every 400 points earned, cardholders will receive a $20 Lane Bryant Rewards Certificate. Certificates expire 90 days from issuance.	Shopping	$20 reward for 400 points Up to $20
Special Financing Offers Cardholders may be eligible for special financing offers on qualifying purchases. Terms and conditions apply and are typically disclosed at the time of offer.	Shopping	Promotional financing
Elite Tier Dedicated Customer Service Line Cardholders in the Elite tier (annual spend $800+) receive access to a dedicated customer service line.	Status Benefits	Dedicated customer service
Elite Tier Early Access to Sales Cardholders in the Elite tier (annual spend $800+) receive early access to sales events.	Status Benefits	Early access to sales
Elite Tier Free Standard Shipping (no minimum) Cardholders in the Elite tier (annual spend $800+) receive free standard shipping on all online orders with no minimum purchase required.	Status Benefits	Free standard shipping
Elite Tier Special Offers Cardholders in the Elite tier (annual spend $800+) receive special offers exclusive to Elite members.	Status Benefits	Special offers
Elite Tier Triple Points Events Cardholders in the Elite tier (annual spend $800+) receive access to special events where they can earn triple points on eligible purchases.	Status Benefits	Triple points
Insider Tier Anniversary Offer Cardholders in the Insider tier (annual spend $0-$399.99) receive a special offer during their account anniversary month.	Status Benefits	Special offer
Insider Tier Birthday Offer Cardholders in the Insider tier (annual spend $0-$399.99) receive a special offer during their birthday month.	Status Benefits	Special offer
Insider Tier Exclusive Savings Events Cardholders in the Insider tier (annual spend $0-$399.99) receive access to exclusive savings events.	Status Benefits	Access to exclusive savings
Insider Tier Free Standard Shipping (with purchase) Cardholders in the Insider tier (annual spend $0-$399.99) receive free standard shipping on all online orders with any purchase.	Status Benefits	Free standard shipping with any purchase
VIP Tier Double Points Events Cardholders in the VIP tier (annual spend $400-$799.99) receive access to special events where they can earn double points on eligible purchases.	Status Benefits	Double points
VIP Tier Early Access to Sales Cardholders in the VIP tier (annual spend $400-$799.99) receive early access to sales events.	Status Benefits	Early access to sales
VIP Tier Free Standard Shipping (no minimum) Cardholders in the VIP tier (annual spend $400-$799.99) receive free standard shipping on all online orders with no minimum purchase required.	Status Benefits	Free standard shipping
VIP Tier Special Offers Cardholders in the VIP tier (annual spend $400-$799.99) receive special offers exclusive to VIP members.	Status Benefits	Special offers

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Deferred Interest Warning: No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full by the end of the promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date. The APR for these purchases is the Purchase APR.

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

600 Recommended minimum FICO · Range 600–700

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyEasy

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Co-ApplicantNot allowed

Issuer Rules & Restrictions

Maximum Cards per Issuer

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

Shutdown Risk Triggers

Manufactured spending (MS) activities, high cumulative credit limit across Amex products relative to reported income, sudden and uncharacteristic spending patterns, defaulting on other American Express products, multiple recent credit applications or inquiries, triggers for Financial Review (FR) such as large cash advances or significant income changes not reported, and consistent late or bounced payments.

Cliff Effect Rules

The primary cliff effect for the Lane Bryant Credit Card is the 'one welcome bonus per card per lifetime' rule. This means that once you have earned a welcome bonus for this specific card product, you will not be eligible to receive another welcome bonus for the Lane Bryant Credit Card, even if you close the account and reapply at a later date. This rule applies specifically to the individual card product and does not typically extend to other American Express card families.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility for the Lane Bryant Credit Card requires applicants to be 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate a good to excellent credit history. American Express enforces a 'one welcome bonus per card per lifetime' rule, meaning once you've received a bonus for this specific card product, you are ineligible for another bonus on the same card in the future. Additionally, American Express has an application rule limiting approvals to a maximum of two credit cards within any 90-day period.

Military & Hardship

MLA Compliant

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

SCRA Benefits

The issuer complies with the Military Lending Act (MLA), providing protections for servicemembers and their dependents, including a 36% annual percentage rate cap on consumer credit. Certain agreement provisions, such as arbitration, may not apply to covered borrowers.

Lane Bryant Credit Card