5 Things to Know About the Lands’ End Credit Card
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Whether you're a Lands' End loyalist or you just enjoy the sturdy canvas bags and clothing that the retailer is known for, you may want to take a look at the $0-annual-fee Lands' End credit card or Lands' End Visa.
Issued by Comenity Bank, the cards offer discounts and deals valuable to anyone who frequents the store or website. But there are some restrictions to be aware of.
Here are five things to know about the Lands' End credit cards.
1. It offers solid rewards rates at Lands' End and on other purchases ...
The main reason to get a credit card affiliated with your favorite place to shop is for the rewards and perks you get while shopping with that merchant. One Lands' End card offers more rewards than the other. The card you're approved for depends on your creditworthiness.
The Lands' End Visa credit card earns:
5 points per $1 spent on all Lands' End purchases, including in-store and online.
2 points per $1 spent at gas stations, restaurants and on travel (which includes car rentals, airlines, cruise lines, hotels, motels and resorts).
1 point per $1 spent elsewhere.
The non-Visa Lands' End credit card only earns 5 points per $1 spent on all Lands' End purchases, including in-store and online. (Unlike the Visa version, this version can be used only within the Lands' End brand.)
2. ... But there are redemption restrictions
Points are worth a penny each but are redeemable only for Rewards Certificates, which you can use only toward eligible purchases at Lands' End stores, from the catalog and on LandsEnd.com.
There's both a minimum redemption threshold and a cap: You must have accumulated at least 500 points first — which would equal a $5 Rewards Certificate — but the maximum for a Rewards Certificate is $500 per billing cycle.
Once you reach that $5 threshold, rewards are automatically sent to you each billing cycle. That's good if you don't want to be bothered with remembering to redeem; after all, the points you earn will expire 12 months after the date they were posted to your account, and Reward Certificates have to be used within 60 days from when they were issued.
But automatic redemption is not so good if you were planning to "bank" rewards over time and use them toward a major purchase.
In any case, you can't combine them with other offers. Also, if a Reward Certificate value exceeds the cost of the purchase, you don't get to keep the balance. It will be forfeited.
Other rewards credit cards, like the Wells Fargo Active Cash® Card, can keep rewards simple. You earn 2% cash back on all eligible purchases, and those rewards don't expire. You may redeem them for statement credit, a deposit into an eligible Wells Fargo account, purchases, gift cards and more.
For an elevated rewards rate on Lands’ End purchases made online, you could also consider the Blue Cash Everyday® Card from American Express, which earns 3% back on U.S. online retail purchases on up to $6,000 per year; 3% back at U.S. supermarkets on up to $6,000 spent per year; 3% back at U.S. gas stations on up to $6,000 spent per year; and 1% back on other purchases. Terms apply; see rates and fees.
3. The perks can be valuable
In lieu of a traditional welcome offer of cash back or other rewards, the first Lands' End order you place with your new Lands’ End credit card will be half off. The card also offers the following incentives:
Pay with the card for a Lands' End order of $100 or more during your birthday month and get $50 off your order.
Get free shipping on all Lands' End purchases without any minimum purchase restrictions.
The Lands' End Visa version also offers a $20 Lands’ End rewards certificate when you make your first purchase outside of the brand within 60 days of opening the account.
All of these savings might make you feel OK about splurging on matching pajamas for you and your dog. But we would encourage you to think twice about that.
The introductory offers are decent for a store credit card, but a general-purpose credit card can offer more value upfront. The aforementioned Wells Fargo Active Cash® Card, for instance, offers a generous sign-up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. The Blue Cash Everyday® Card from American Express also has a rich welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply. You can meet the spending requirement for these offers with any purchases.
The Lands' End Visa birthday offer, though, can be the gift that keeps on giving if you already spend the required amount annually.
4. You can use it the same day you're approved, with some caveats
If you're approved, the Lands' End credit card will be automatically applied to the order currently in progress through the store's website. But for all other purchases, including sales at brick-and-mortar Lands' End stores or online, you'll have to wait until you receive the physical card in the mail.
5. Avoid carrying a balance
The Lands’ End credit cards charge an APR that, on the high end of the range, can be more than 35% (as of January 2025). You'll want to pay your balance in full and on time; otherwise, you'll be charged interest that will eat away at the value of any rewards you might earn.
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