Lane Bryant Credit Card

BreadFinance Pending

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9

Benefits

3

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: lane-bryant-credit-card

Issuer: BreadFinance

Card Name: Lane Bryant Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:43

Last Scraped: Feb 06, 2026 18:28

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents, limiting the cost of consumer credit to an annual percentage rate of 36 percent. This rate must include, as applicable, the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged; and any participation fee charged. To hear this information, please call us toll free at 1-844-335-6710.

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Lane Bryant Purchases 2x Points Earn 2 points for every $1 spent on Net Eligible Purchases made at Lane Bryant and LaneBryant.com using the Lane Bryant Credit Card Visa. No Cap
Lane Bryant Purchases 1x Points Earn 1 point for every $1 spent on Net Eligible Purchases made at Lane Bryant and LaneBryant.com using the Lane Bryant Credit Card (store card). No Cap
All Other Purchases 1x Points Earn 1 point for every $1 spent on Net Eligible Purchases made everywhere else Visa credit cards are accepted using the Lane Bryant Credit Card Visa. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 9 Total
PENDING
Lifestyle 1
Birthday Reward
Varies (e.g., discount or reward certificate)

Receive a special discount or offer during your birthday month as a Lane Bryant Credit Card holder.

Shopping 4
First Purchase Discount
20% off

Receive 20% off your first purchase made with your new Lane Bryant Credit Card on the day you open the account.

Rewards Points Earning (Standard)
2 points per $1 spent

Earn 2 points for every $1 spent on eligible purchases at Lane Bryant stores and lanebryant.com using your Lane Bryant Credit Card.

Rewards Certificate Redemption
$10 reward for 400 points

Accumulated points are converted into reward certificates. For every 400 points earned, receive a $10 reward certificate, redeemable on future Lane Bryant purchases.

Exclusive Cardmember Promotions
Varies by promotion

Access to special sales events, early access to promotions, and exclusive discounts available only to Lane Bryant Credit Card holders throughout the year.

Status Benefits 4
Platinum Status Eligibility
Spend $400+ annually

Achieve Platinum Status by spending $400 or more annually on your Lane Bryant Credit Card at Lane Bryant stores or lanebryant.com.

Platinum Enhanced Rewards Earning
2.5 points per $1 spent

Lane Bryant Platinum cardholders earn 2.5 points for every $1 spent on eligible purchases at Lane Bryant stores and lanebryant.com.

Platinum Free Standard Shipping
Free standard shipping

Lane Bryant Platinum cardholders receive free standard shipping on all online purchases made with their Lane Bryant Credit Card.

Platinum Anniversary Offer
Varies (e.g., discount or reward certificate)

Lane Bryant Platinum cardholders receive a special anniversary offer each year.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: The Lane Bryant Credit Card, issued by BreadFinance, is primarily designed for loyal Lane Bryant shoppers. Application eligibility requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet BreadFinance's creditworthiness criteria. The card typically offers an immediate first-purchase discount (e.g., 20% off) upon approval and ongoing rewards, such as points per dollar spent, exclusive discounts, and birthday offers, primarily for purchases made at Lane Bryant stores and online. Rewards are generally issued as store credit or discounts and are not transferable. The card's primary utility and benefits are restricted to the Lane Bryant brand ecosystem.

Max Cards Per Issuer: 10

Min Spend Interval: Not applicable for traditional bonus spend. Initial discounts are typically applied immediately to the first qualifying purchase. Ongoing rewards accrue with every qualifying purchase and are redeemed according to the program's terms.

Shutdown Risk Triggers: Significant deterioration in credit score, high debt-to-income ratio, multiple delinquencies across credit accounts, suspected fraudulent activity, excessive returns, unusual spending patterns inconsistent with typical retail card use, or prolonged periods of account inactivity. While not a direct shutdown trigger, a very high cumulative credit limit across all BreadFinance accounts may lead to credit limit reductions or make new approvals difficult.

Cliff Effect Rules: Not applicable. BreadFinance store cards generally operate independently; benefits or eligibility for one card do not typically impact others within the issuer's portfolio in a 'cliff effect' manner.

Special Events: Frequent cardholder-exclusive sales events, double/triple points days, early access to new collections or promotions, birthday rewards, and tiered loyalty benefits based on annual spend (e.g., Silver, Gold, Platinum tiers with escalating perks).

Holiday Promos: Major retail holidays such as Black Friday/Cyber Monday, Christmas/Holiday Season, Valentine's Day, Mother's Day, Father's Day, Back-to-School, and seasonal clearance events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Users appreciate the exclusive discounts, special offers, and rewards earned specifically at Lane Bryant, making it valuable for frequent shoppers. Many found it relatively easy to get approved, aiding in credit building.

Top Negative:
Common complaints include a very high Annual Percentage Rate (APR), poor customer service from Comenity Bank, and limited utility outside of Lane Bryant stores. Some users also report issues with billing and account management.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Credit Card
  • Kohl's Charge Card
  • Discover it Secured Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: January 2024