10
Benefits2
Reward Categories2x
Max Reward32.2%
APR FromBasic Information
PENDINGProgram ID: lane-bryant-mastercard-v2
Issuer: BreadFinance
Card Name: Lane Bryant Credit Card
Card Type: Credit
Network:
Card Tier: Platinum
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Provides interest rate reduction to 6% on eligible balances incurred prior to active duty for qualifying servicemembers under SCRA. Contact issuer for details.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Lane Bryant Purchases | 2x | Points | Purchases made with your Lane Bryant Mastercard Account at Lane Bryant and LaneBryant.com | No Cap | |
| All Other Purchases | 1x | Points | Purchases made with your Lane Bryant Mastercard Account everywhere else Mastercard is accepted | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 2x
Categories: Lane Bryant and sister brand purchases
Quarterly Rotating: No
Expiration Policy: Points expire 12 months from the date they are earned.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Reward Certificates are issued in $10 increments upon accumulating 1,000 points and are valid only for purchases at Lane Bryant and sister brands. Reward Certificates expire 90 days from issuance.
Benefits & Protections (Detailed) 10 Total
PENDINGFinancial 1
No Annual Fee
$0The Lane Bryant Mastercard has no annual fee.
Lifestyle 1
Birthday Offer (Platinum Status)
Special offerPlatinum status members receive a special birthday offer.
Shopping 7
Points Earning - Lane Bryant Purchases
2 points per $1Earn 2 points for every $1 spent on purchases at Lane Bryant stores and LaneBryant.com.
Points Earning - Mastercard Purchases
1 point per $1Earn 1 point for every $1 spent on purchases everywhere else Mastercard is accepted.
Reward Redemption
$10 Reward for 200 pointsReceive a $10 Lane Bryant Reward for every 200 points earned. Rewards expire 90 days from issuance.
Free Standard Shipping (Platinum Status)
Free standard shippingPlatinum status members receive free standard shipping on all LaneBryant.com orders, with no minimum purchase required.
Exclusive Offers (Platinum Status)
Exclusive offersPlatinum status members receive exclusive offers.
Double Points Events (Platinum Status)
Double pointsPlatinum status members receive access to double points events.
Early Access to Sales (Platinum Status)
Early accessPlatinum status members receive early access to sales.
Status Benefits 1
Platinum Status Eligibility
Spend $400 annuallyAchieve Platinum status by spending $400 or more at Lane Bryant stores or LaneBryant.com in a calendar year.
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 |
| 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: 32.24% - 32.24%
Cash Advance APR: 34.24%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: New cardholders for 2026 are expected to receive a bonus such as 20% off their first Lane Bryant purchase made within 30 days of account opening, plus earn 2 points per $1 spent at Lane Bryant and 1 point per $1 everywhere else Mastercard is accepted. Points are redeemable for Lane Bryant rewards. Eligibility requirements: Applicants must be 18 years or older, possess a valid U.S. Social Security Number or ITIN, and meet BreadFinance's creditworthiness criteria. Approval is subject to a credit review, and this card is primarily designed for frequent Lane Bryant shoppers.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: BreadFinance often maintains an internal cumulative credit limit across all accounts held by a single customer. Reaching this total exposure limit can result in automatic denial for new applications, reduced credit limits on existing cards, or difficulty in obtaining credit limit increases, regardless of individual card performance on specific cards.
Special Events: Exclusive cardholder-only sales events, double points days on specific categories or dates, early access to new collections, and birthday rewards.
Holiday Promos: Black Friday/Cyber Monday, Valentine's Day, Mother's Day, Memorial Day, Fourth of July, Labor Day, and year-end holiday sales (November-December).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy approval process for those with fair credit, good discounts and rewards for frequent Lane Bryant shoppers, special birthday offers.
Top Negative:
Very high APR, limited customer service, rewards only truly valuable at Lane Bryant, difficult to manage account online.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Gap Good Rewards Credit Card
- Capital One Platinum Credit Card
- Discover it Secured Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $90.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0