Lane Bryant Credit Card

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Basic Information

Program ID: lane-bryant-credit-card

Issuer: BreadFinance

Card Type: Credit

Network:

Card Tier: Standard

Data Complete: Yes

Created: 01/10/2026 09:43

Last Scraped: 01/15/2026 10:14

Fee Structure
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 30.00%
Additional Fees
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: N/A
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates

Purchase APR Range: 2,999.00% - 2,999.00%

Intro Purchase APR: 0.00%

Intro APR Duration: 0 months

Balance Transfer APR: 0.00%

Intro BT APR: 0.00%

Intro BT Duration: 0 months

Cash Advance APR: 2,999.00%

Sign-Up Bonus

Bonus Amount: $0.00

Spending Requirement: $0.00

Time Period: 90 days

Bonus Timing: The welcome offer is 20% off your first purchase. The discount is typically applied automatically at checkout on your first qualifying purchase made with the card, or appears on your first statement.

Rewards Program

Reward Type: Store Credit

Base Reward Rate: 0.00%

Bonus Reward Rate: 2.00%

Bonus Categories: 2x Lane Bryant purchases

Point Value Estimate: 0.0300 cents/point

Expiration Policy: Points expire 12 months after being earned. Reward certificates also expire.

Transfer Partners: N/A

Card Benefits
Protection Benefits
  • Extended Warranty
  • Purchase Protection
  • Cell Phone Protection
  • Price Protection
Travel Benefits
  • Travel Insurance
  • Primary Rental Protection
  • Trip Delay Coverage
  • Lost Luggage Coverage
  • No Foreign Transaction Fees
Premium Benefits
  • Airport Lounge Access
  • Concierge Service
  • Global Entry Credit: $0.00
  • TSA PreCheck Credit: $0.00
Approval Criteria

Recommended FICO Range: 640 - 700

Approval Odds Category: Good

Pre-qualification Available

Soft Pull Supported

Hard Pull Bureau: Experian, TransUnion, Equifax

Issuer Rules

Rules: The Lane Bryant Credit Card, issued by BreadFinance, is a private label store card. Eligibility for 2026 requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and subject to a credit check. Approval typically requires fair to good credit, though store cards can sometimes be more accessible. Applicants must demonstrate sufficient income to meet payment obligations. Benefits commonly include an initial discount on the first purchase (e.g., 20% off), ongoing loyalty points (e.g., 2 points per $1 spent at Lane Bryant), birthday rewards, and exclusive cardholder discounts. These benefits are subject to change annually.

Maximum Cards Per Issuer: 1

Minimum Spend Interval: Not applicable in the traditional sense; benefits are typically immediate (e.g., first purchase discount) or accrue with ongoing spending without a time-bound minimum spend for a large bonus.

Shutdown Risk Triggers: Common triggers for account shutdown include consistent late payments or non-payment, excessive returns, suspected fraudulent activity, high credit utilization on the card itself, or a significant deterioration in overall credit profile (e.g., opening numerous new credit lines across various issuers in a short period). Manufactured spending is generally not a significant risk for store-specific cards unless tied to a specific loyalty program that can be exploited.

International Friendly

User Analytics & Insights
User Ratings

Average Rating: 2.8 / 5.0

Top Positive Feedback:
Good for building credit, offers exclusive discounts and rewards for frequent Lane Bryant shoppers, provides a dedicated credit line for a favorite store.

Top Negative Feedback:
High APR, limited use outside Lane Bryant stores, frequent complaints about customer service from Comenity Bank, potential for aggressive credit limit changes.

Approval Experience Score: 75.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured
  • Discover it Secured
  • Target RedCard

Card Value Score: 55.0 / 100

Est. Annual Rewards: $75.00

User Portfolio Metrics

Avg Portfolio Size: 3 cards

Avg Portfolio Age: 48 months

Store vs Co-brand: 100% Store / 0% General

Risk Assessment

Default Risk Group: Medium

Predicted Approval Probability: 80.0%

Terms Version Control

Version ID: v1.0