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Card Basics

 

Type Credit Needed Category Annual Fee Intro APR Regular APR Rewards Grace Period
Store Fair Credit Consumer $0* N/A* 22.80%* (Variable)* Cash Back 25 Days*

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Lane Bryant Credit Card

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Lane Bryant Credit Card

Quick Summary:
This is a Store cash back rewards card issued by Spirit of America National Bank. This card is intended for consumers, or "personal use" with a fair credit history. APR's may vary among applicants, however the lowest standard APR is 22.80%* (Variable)*.

Important Rates:
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 13.4% to the U.S. prime rate.

There is no annual fee for this card.*

Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 642 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the Lane Bryant Credit Card is at least 25 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to a specific store or catalog.

Approval Rate:
There were 9 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 78% of those applicants were approved.

This card has a poor approval or acceptance rate. This could be due to the fact that applicants changed their decision after wanting a traditional credit card such as a Visa, MasterCard, Discover Card or American Express card. Furthermore, if your FICO score is close to or higher than 642, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks.

Offer Details:

Rewards are always in fashion. With the Lane Bryant Credit Card, earn one point for every credit card dollar you spend, every time you shop. Use your card at Lane Bryant and Cacique stores, Lane Bryant Outlet, lanebryant.com and cacique.com.

Rewards and Benefits:


  • Receive a Rewards Cheque for $20 when you accumlate 400 points
  • Get automatically upgraded to a Premier Credit Card when you reach 400 points
  • Points won't expire until one year from purchase date
  • Enjoy surprise opportunities to earn extra points

Other Remarks:

Grace Period: Any Previous Balance at the beginning of a billing period will accrue a Finance Charge from the first day of the billing period.



* Disclaimer: Please see the credit card application for details about the offer as well as the terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

 

 


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Consumer Card Rate Comparison

APR22.80%* (Variable)*
Avg. APR16.8%**
Annual Fee$0*
Avg. Annual Fee$6.04**

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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