Lane Bryant Credit Card

Synchrony Pending

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6

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: lane-bryant-store-card

Issuer: Synchrony

Card Name: Lane Bryant Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:19

Last Scraped: Feb 17, 2026 05:21

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Lane Bryant Purchases 2x Points Earn 2 points for every $1 spent at Lane Bryant stores and LaneBryant.com. No Cap
All Other Purchases 1x Points Earn 1 point for every $1 spent everywhere else Visa is accepted (for Lane Bryant Visa Credit Card holders). No Cap
Rewards Summary
PENDING

Reward Type: Rewards Points

Base Rate: 2x

Bonus Rate: 3x

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 may have minimum purchase requirements, cannot be combined with certain offers, and are not valid on previous purchases, gift cards, or clearance items. Certificates expire 45 days from issuance.

Benefits & Protections (Detailed) 6 Total
PENDING
Lifestyle 1
Birthday Offer
Varies (e.g., special birthday discount)

Cardholders receive a special discount or offer during their birthday month as a cardholder perk.

Shopping 5
First Purchase Discount
Varies (e.g., 20% off first purchase)

New cardholders typically receive a percentage discount on their first purchase made with the Lane Bryant Credit Card upon account opening and approval.

Rewards Points Earning
2 points per $1 spent

Cardholders earn rewards points for every dollar spent on qualifying purchases at Lane Bryant and its sister brands (e.g., Cacique, Catherines) when using the Lane Bryant Credit Card.

Rewards Redemption
$10 reward for every 2000 points

Earned rewards points can be redeemed for reward certificates that can be used towards purchases at Lane Bryant and its sister brands.

Exclusive Cardholder Promotions
Varies by promotion

Access to special sales, discounts, and promotions that are available exclusively to Lane Bryant Credit Cardholders.

Special Financing Offers
Varies by offer (e.g., 6 months special financing)

Cardholders may be eligible for special financing plans on qualifying purchases, allowing them to pay over time with deferred interest. Specific terms and minimum purchase requirements apply.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Not Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Lane Bryant Store Card, issued by Synchrony, is projected for 2026 to continue offering an initial discount (e.g., 20% off first purchase) and ongoing rewards such as points per dollar spent, birthday discounts, and exclusive cardholder sales. Eligibility requirements are anticipated to remain consistent with current Synchrony standards: applicants must be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and pass a creditworthiness assessment. Approval is subject to Synchrony's internal credit policies, which consider factors like credit history, existing Synchrony accounts, and overall credit exposure.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for traditional bonus spend. Store card bonuses are typically immediate (e.g., first purchase discount) or tied to ongoing spending tiers and specific promotional periods rather than a fixed interval for a one-time bonus.

Shutdown Risk Triggers: Common triggers for Synchrony accounts include: excessive applications for Synchrony cards in a short period (app-o-rama), high cumulative credit limit across all Synchrony accounts, missed payments or delinquency, suspicious account activity, abuse of promotional offers, rapid increase in credit utilization, and any indication of fraudulent behavior. While manufactured spending is less common for closed-loop store cards, any attempt to exploit rewards programs beyond their intended use could also be a trigger.

Cliff Effect Rules: Synchrony does not typically enforce 'card family' rules or 'once-per-lifetime' bonus restrictions like some other issuers. However, approval for new Synchrony cards, including the Lane Bryant Store Card, is heavily influenced by the applicant's total credit exposure and number of existing accounts with Synchrony. Reaching a high cumulative credit limit across multiple Synchrony products can make it more difficult to be approved for additional cards, effectively acting as a soft 'cliff' based on overall credit risk assessment.

Special Events: Expected special events for 2026 include: Birthday Rewards/Discounts, Exclusive Cardholder Sales Events (e.g., 20-30% off entire purchase days), Double/Triple Points Earning Days, Anniversary Rewards, and Tiered Spending Rewards (e.g., spend $X, get Y% off or a specific discount).

Holiday Promos: Key promotional periods for 2026 are anticipated to include: Black Friday/Cyber Monday, Christmas/Holiday Season (November-December), Mother's Day, Valentine's Day, Seasonal Sales (Spring, Summer, Fall collections), and Back-to-School promotions.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy to get approved, offers exclusive discounts and birthday perks, good for frequent Lane Bryant shoppers, free shipping benefits.

Top Negative:
Very high APR, poor customer service, issues with billing and rewards redemption, limited use outside of Lane Bryant.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Credit Card
  • Discover it® Cash Back
  • Target RedCard

Card Value Score: 55.0 / 100

Est. Annual Rewards: $52.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v2024-02-01