20
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Lane Bryant Purchases | 2x | Points | Purchases made at Lane Bryant stores and LaneBryant.com | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Mastercard is accepted | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 2x
Categories: Lane Bryant purchases
Quarterly Rotating: No
Expiration Policy: Points expire 12 months from the date they are earned. Rewards Certificates expire 45 days from the date of issuance.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Rewards Certificates are issued in $10 increments. Minimum purchase may apply when redeeming certificates. Certificates cannot be used for gift card purchases or as payment on your credit account.
Benefits & Protections (Detailed) 20 Total
PENDINGAirport Access 1
Mastercard Airport Concierge™
15% discount on servicesProvides a personal, dedicated Meet & Greet agent to assist with airport navigation, baggage, and other services at over 450 airports worldwide. Cardholders receive a 15% discount on services.
Lifestyle 3
Birthday Offer
VariesReceive a special offer during your birthday month as a Lane Bryant Mastercard cardmember.
Anniversary Offer
VariesReceive a special offer during your card anniversary month as a Lane Bryant Mastercard cardmember.
Concierge Service
24/7 personalized assistanceProvides 24/7 personalized assistance for travel planning, dining reservations, event tickets, and more.
Purchase Protection 2
Extended Warranty
Up to 1 additional year, up to $1,000 per claimDoubles the original manufacturer's or store-brand warranty for up to one additional year on eligible purchases when the item is purchased with your Mastercard. Coverage is limited to the amount charged on the card or $1,000, whichever is less.
Purchase Protection
Up to 90 days, up to $1,000 per claimCovers eligible new items purchased with your Mastercard against damage or theft for 90 days from the date of purchase. Coverage is limited to the amount charged on the card or $1,000, whichever is less.
Security 4
Mastercard ID Theft Protection™
Comprehensive protectionProvides identity theft resolution services, including monitoring for suspicious activity, alerts, and assistance with restoring identity if theft occurs.
Zero Liability Protection
Full protection against unauthorized chargesProtects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for fraudulent charges.
Mastercard Global Service™
24/7 emergency assistanceProvides 24/7 emergency assistance for card-related needs, including lost/stolen card reporting, emergency card replacement, and emergency cash advance.
Cell Phone Protection
Up to $600 per claim, $1,000 per 12-month periodProvides coverage for damage to or theft of an eligible cell phone when the monthly cell phone bill is paid with your Mastercard. A $50 deductible applies per claim. Maximum of two claims per 12-month period.
Shopping 5
Lane Bryant Rewards Program - Lane Bryant & Cacique Purchases
2 points per $1Earn 2 points for every $1 spent on Lane Bryant and Cacique purchases when using your Lane Bryant Mastercard.
Lane Bryant Rewards Program - Mastercard Purchases
1 point per $1Earn 1 point for every $1 spent everywhere else Mastercard is accepted when using your Lane Bryant Mastercard.
Exclusive Cardmember Offers
VariesAccess to special promotions and discounts available only to Lane Bryant Mastercard cardmembers.
Free Shipping
Free standard shippingEnjoy free standard shipping on all Lane Bryant and Cacique orders when using your Lane Bryant Mastercard.
Early Access to Sales
Early accessGain early access to exclusive sales events at Lane Bryant and Cacique as a cardmember.
Travel Insurance 5
Car Rental Collision Damage Waiver
Secondary coverageProvides secondary coverage for damage due to collision or theft of an eligible rental vehicle when the rental is paid for with your Mastercard and the rental company's CDW is declined.
Travel Accident Insurance
Up to $250,000Provides coverage for accidental death or dismemberment while traveling on a common carrier when the fare is paid for with your Mastercard.
Trip Cancellation/Interruption Insurance
Up to $1,500 per tripReimburses non-refundable travel expenses if a trip is cancelled or interrupted for covered reasons when the trip is paid for with your Mastercard.
Baggage Delay Insurance
Up to $100 per day for 3 daysReimburses for the purchase of essential items when checked baggage is delayed by a common carrier for more than 4 hours.
Lost Luggage Reimbursement
Up to $3,000 per tripReimburses for the value of lost or stolen checked or carry-on baggage and its contents when traveling on a common carrier.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 31.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Lane Bryant Mastercard (2026) requires applicants to be 18 years or older, a U.S. resident, possess a valid SSN/ITIN, and typically have a good to excellent credit score (generally 670+ FICO). New cardholders can expect a sign-up bonus, often a percentage off their first Lane Bryant purchase (e.g., 20-30% off) upon account opening. Ongoing rewards usually include points per dollar spent at Lane Bryant and a lower rate elsewhere Mastercard is accepted, with points converting to store credit or discounts. Applications are subject to credit approval by Synchrony Bank. Store-specific restrictions may apply to the redemption of rewards or promotional offers.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony generally limits customers to one active co-branded card per specific retail brand (e.g., one Lane Bryant Mastercard). While there isn't a strict '5/24' equivalent across all Synchrony brands, applying for too many Synchrony cards in a short period or accumulating a very high total credit limit across multiple Synchrony accounts can lead to application denials or account reviews.
Special Events: Semi-Annual Sales, Friends & Family events, seasonal collection launches, and exclusive cardholder-only discount days.
Holiday Promos: Black Friday/Cyber Monday week, Christmas/Holiday shopping season (November-December), Valentine's Day, Mother's Day, Memorial Day, Labor Day, and Back-to-School periods.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.7 / 5.0
Top Positive:
Frequent shoppers appreciate exclusive discounts, birthday rewards, and special financing offers. The card is often easy to get approved for, providing a good entry point for building credit.
Top Negative:
Common complaints include high APR, issues with Synchrony Bank's customer service, unexpected credit limit reductions, and difficulties with reward redemption.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Gap Good Rewards Credit Card
- Amazon Store Card
- Capital One Platinum Secured Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $55.00
Approval Probability: 70.0%
Version Control
PENDINGVersion ID: v1.0