[WARNING] The Problem With The Lane Bryant Credit Card (2021)

By Mark Huntley, J.D.

Real estate investor, lawyer, personal finance writer, and Co-Founder of Credit Knocks

Advertiser Disclaimer - Some links on this page may pay us advertising fees.

lane bryant credit card

The Lane Bryant Credit Card is pushed upon their customers at check-out with promises of valuable reward points and exclusive member shopping perks. However, what we found in our review was credit scores being damaged, extremely high interest rates and one of the worst rewards programs we have reviewed. Choosing a more traditional card over the Lane Bryant Card could literally save your credit score and thousands of dollars in interest payments over your lifetime. 

Lane Bryant Credit Card


Annual Fee

28.49% Variable

Credit Needed 


Points value extremely low


One of the highest APR's we reviewed


Limited to Lane Bryant companies


Only concerned about you making your payments

    Credit Knocks Overall Star Rating:     

  • No Annual Fee 
  • Rewards Program
  • Reports To Major Credit Bureaus
  • Rewards Low Value
  • High APR
  • Limited Use
  • Poor Customer Service


The Lane Bryant Credit Card has a very high variable APR rate and you have to earn a minimum of 3000 points to exchange for a small $10 credit. 

Keep in mind that the Comenity Bank Lane Bryant Store Card cannot be used anywhere else but at Lane Bryant Comenity owned stores. 

A major problem with this card is the issuer, Comenity Bank, who will cancel your card if you do not keep a balance and pay them interest regardless if you always pay on time or how long you have been a customer. 

When a revolving credit card account is closed it can hurt your credit score which plays a major role in the interest rates you receive on future credit card offers, auto loans and even home mortgages. 

There are many traditional credit cards that would be a better choice over the Comenity Lane Bryant Card if you are looking for a credit card. 

This Lane Bryant Credit Card review was written so that you can understand how their card works, its short comings, and better alternatives.


What's The Lane Bryant Credit Card?

The Lane Bryant Credit Card accounts are issued by Comenity Bank for use only at the Lane Bryant family of stores. 

Just to be clear, this card cannot be used anywhere but on the Lane Bryant website or in their stores. 

You will not find a Visa, MasterCard, Discover, or American Express, logo on this card. 

Customers who use the Lane Bryant Card to make purchases will receive rewards points that once reaching a set amount can be exchanged for a small one-time discount on a  future purchase. 

lane bryant logo

The credit card from Lane Bryant also offers free standard shipping if your cart total amount reaches certain thresholds. 

In addition there are Lane Bryant Card Days that include discount offers along with discounts during your birthday month. 

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While all of these rewards will save you money the actual savings is very low as compared to many other rewards programs. 

Plus, you can sign up to just be a Lane Bryant Member and not their credit card and receive almost the same benefits as if you sign up for their credit card. 

trek retail store credit card

In a 2019 Credit Card Insider survey, they found that 40% of retail store credit card holders regretted applying for their store card. We recommend that you apply for a traditional credit card. 

Check out today's most popular credit cards with the best rates.  

The Lane Bryant Card issued by Comentity Bank makes up for the discounts by charging extremely high rates to its customers to offset the discounts given. 

Regardless of your credit score there are many better alternatives to the Lane Bryant option that will save you more money which we will discuss. 

comenity lane bryant credit card, lane bryant comenity bank credit card

Who Is Comenity Bank?

Comenity Bank and Comenity Capital Bank are owned by Data Alliance and together manage multiple customer loyalty programs. 

Generally, they work with retail locations and provide them with store credit cards, rewards programs and marketing information to retain customers. 

They have a horrible reputation for cancelling customers store credit cards of people who pay off their credit cards regularly and don't pay interest. 

It doesn't matter how much you charge on your card, or how long you have had it, if they are not making money in the form of interest or late payments, and you pay off your card... 


They will cancel it! 

Many Comenity Bank Reviews can be found complaining about how bad their credit score was affected after having their revolving credit account closed for no reason. 

Beware, signing up for a store credit card issued by Comenity Bank or Comenity Capital Bank can cost you a lot of money. 


Comenity Lane Bryant Card Basics

Below are some of the basic features of the Comenity Lane Bryant CC:

  • Card type: Unsecured
  • Interest rate: 28.49% Variable
  • Annual fee: $0
  • Rewards: Earn 3,000 points to get a $10 discount 
  • Security deposit: None
  • Foreign transaction fee: N/A
  • Credit reporting: Reports payment history to all three credit bureaus.
  • Cash advance fee: N/A
  • Cash advance APR: N/A
  • Late payment fee: Up to $39.00
  • Returned payment fee: Up to $39.00
  • Over The Credit Limit: None

Remember that is you payoff the complete balance on a regular basis Comenity Bank may close your Lane Bryant Credit Account which could hurt your credit score. 

Lane Bryant Comenity Bank Benefits

The Lane Bryant Comenity Card offers a few benefits that are also available to you if you just sign up to be a Lane Bryant Member and not for their credit card. 

These Lane Bryant Rewards include: 

  • Every 3,000 points can be turned in for a $10 discount
  • Free shipping if you spend a set amount based on if you are at the Silver, Gold, or Platinum level
  • Special birthday month deals

Lane Bryant Rewards program offers some of the lowest value of rewards compared to their competitors.

Where Can I Use My Lane Bryant Card?

The Comenity Bank Lane Bryant card can be used only at the Lane Bryant stores, Lane Bryant Outlet, the LaneBryant.com.

You can also use it at Lane Bryant's other company owned stores, Cacique and Catherines, along with their respective websites. 

comenity bank lane bryant card, lane bryant comenity card

Can I Use My Lane Bryant Card At Torrid?

The Lane Bryant Comenity Bank card is not backed by one of the major payment networks, like Visa or MasterCard, thus, it is only accepted at Lane Bryant owned stores. 

Unfortunately, Torrid is not owned by Lane Bryant and you would need to use a traditional credit card. 

What Is The Starting Comenity Lane Bryant Credit Limit 

Your initial Lane Bryant credit limit will be determined by a number of factors including your credit history and income. 

There is no way of predicting the credit limit you will be given.  

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Lane Bryant Credit Limit Increase

Your Comenity Bank Lane Bryant CC will periodically be reviewed for eligible credit limit increases. 

If you make you payments on time, Comenity Bank will consider you for a credit limit increase. 

You can also request a credit limit increase on your customer dashboard or by calling Comenity Bank directly. 

The above is actually true for most credit cards and should not be a determining factor in choosing a high interest, low reward, Lane Bryant Card. 

What makes credit limit increases so great is that they allow you to:

  • Decrease Your Credit Utilization
  • Increase Your Available Credit
  • Obtain New Credit Without Affecting Your Age Of Accounts

Lane Bryant Credit Card Pros & Cons



Reports To Major Credit Bureaus

Rewards Program

$0 Annual Fee

28.49% Variable APR

Limited Use

Bad Customer Service

Low Rewards Value


Best Alternatives To The Comenity Lane Bryant Card

Comenity Bank is the 'Nancy' of credit card companies, only caring about their profits with little concern for their customers. 

Before applying for a Comenity Lane Bryant CC I hope you understand that you will be paying much more in interest rates than a more traditional credit card. 

In addition, Comenity Bank Lane Bryant has a long history of closing good customers accounts and hurting their credit score if they do not carry a balance and pay interest. 

Read some of the recent reviews submitted below about Comenity Bank which is the issuer and company you are actually working with if you apply for the Lane Bryant Comenity Credit Card. 


Steps To Take After You're Approved

The real work starts once you have been approved for your Lane Bryant Comenity Credit Card.

Monitor Your Credit

One of the most overlooked areas of building credit, is monitoring your credit

This is truly your first line of defense when trying to build or rebuild your credit.

You should try to find a service that allows you to monitor all 3 of your reports.

Helpful Tip

If your application goes to "Pending" status it doesn't mean Declined. Usually, more information may be needed.

Make On Time Payments

Making on time payments sounds like a super simple thing to do; however, we all live in the real world where things almost never go as planned.

Be sure, no matter what, to make your payments on time because it is super important and is one of the largest factors in your credit score.

No matter what, avoid late payments.

Keep Credit Utilization Low

Another factor to consider is credit utilization, you really want to keep this under 3% of total credit if you can but try to never get it over 15%.

For example, if your Journey card has a $300 limit and you spend $60.

Spending $60 on a $300 card limit means you are utilizing is around 20% of your credit on that card and it is above the recommend credit utilization percentage, so be mindful of how much you spend.

How Do I Cancel My Lane Bryant Comenity Bank Credit Card?

You can cancel your account at any time by contacting their Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.

platinum-lane-bryant comenity bank-credit-card

Is There A Fee For Closing My Account?

Outside of the fees associated with your remaining balance, there is no fee for closing your account.

I would recommend keeping the card active as long as you can, there really isn't a reason to cancel the card any time soon.

Taking Action On Your Credit

Hopefully, you found this Lane Bryant Credit Card Review helpful because applying for their card could be a terrible mistake. 

Click on any of the orange buttons in this article to be taken to a page with a detailed list of many better alternative credit cards. 

Today is a great day to apply for a new credit card that you can use anywhere and be charged fair APR interest rate, but the Lane Bryant Card is not that card. 

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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  1. This credit card sucks!! I’m in rears over 67.00 and I’m wondering should I cancel it or just pay offbthe balance because I still have 190.00 credit on there. I’m so stupid for applying for this crap

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