Lands End Visa Card: Is the Lands’ End Visa Card Worth It?

The Lands End Visa Card is a retail credit card offered by Lands’ End, a famous clothing and home goods company. Unlike generic rewards credit cards, the Lands End Visa is explicitly designed for loyal shoppers who frequently purchase directly from the Lands’ End catalogue or website.

Lands End Visa Card

The Lands End Visa Card enables cardholders to earn generous rewards on Lands End purchases while getting special perks like free hemming, free returns, and free monogramming. With no annual fee, the card can pay for itself quickly if you shop at Lands’ End often.

In this post, we’ll look at the key features and benefits of the Lands’ End Visa to see if it’s worthwhile for frequent Lands’ End shoppers.

Lands End Visa Card Benefits

The main benefits of the Lands’ End Visa Card are:

Earn 5% Back at Lands’ End

Cardholders earn an impressive 5% back in Lands’ End Rewards on all purchases made directly through Lands’ End, including online, in catalogs, and at Lands’ End Shops at Sears. This essentially equals 5% off your Lands’ End orders.

Earn 1% Back Everywhere Else

All other purchases earn 1% back in Lands’ End Rewards. This isn’t the highest rate for non-bonus spend, but it’s better than nothing.

Special Lands’ End Perks

Cardholders get free hemming on full-price pants and skirts, free returns with expedited refunds, and free monogramming on most products.

No Annual Fee

Unlike many retail cards, there’s no annual fee for the Lands’ End Visa Card.

0% Intro APR on Purchases

New cardholders get a 0% introductory APR on purchases for 12 billing cycles, followed by a variable APR of 26.49% to 29.99%.

How to Earn and Redeem Rewards

The Lands’ End Visa Card uses a simple rewards program:

  • 5 points per $1 spent at Lands’ End stores and
  • 2 points per $1 spent at gas stations, restaurants, and on travel
  • 1 point per $1 spent on all other purchases

This makes it easy to quickly accumulate points by focusing your spending at Lands’ End outlets. For example, charging $100 worth of purchases at Lands’ End will earn you 500 points.

Once you reach 500 points, you’ll receive a $5 rewards certificate that can be automatically redeemed on future Lands’ End orders. Rewards certificates up to $500 in value can be issued per billing cycle.

So when you earn enough points for a certificate, it will be sent to your account. You can then use the certificate on your next order with Lands’ End, whether in-store, online, or through the catalog. This makes the rewards easy to earn and redeem through frequent Lands’ End shopping.

Rewards come in the form of Lands’ End Points that can be redeemed for purchases at Lands’ End. Here are the redemption rates:

  • 2,500 points = $25 Lands’ End eCertificate
  • 5,000 points = $50 Lands’ End eCertificate
  • 10,000 points = $100 Lands’ End eCertificate

Lands’ End eCertificates can be applied to future Lands’ End purchases online, in catalogs or in stores. Points don’t expire, so you can save up over time for a larger redemption.

Pros and Cons of the Lands’ End Visa Card

Here’s a quick rundown of some of the key pros and cons to help determine if the Lands’ End Visa card is a good fit:


  • 5 points per $1 spent at Lands’ End
  • Reward certificates to redeem points
  • Special financing offers
  • Free shipping
  • 5% discount on online apparel purchases
  • No foreign transaction fees
  • No annual fee
  • Fair credit needed for approval


  • High ongoing APR of 26.99%
  • Points only redeemable at Lands’ End
  • Must spend $200 in points for a $10 reward certificate
  • Poor rewards value for non-Lands’ End spending

The Lands’ End Visa card is best suited for loyal Lands’ End shoppers who can maximize the brand-specific perks and discounts. But it’s not ideal for everyday spending with limited rewards potential outside of Lands’ End.

Is the Lands’ End Visa Card Worth It?

The Lands’ End Visa card is worth considering if you are a regular Lands’ End shopper. Heavy spending at Lands’ End can quickly rack up points to redeem for reward certificates and discounts. Perks like free shipping and special financing also make the card valuable for Lands’ End loyalists.

However, it’s not a great card for everyday purchases outside of Lands’ End. The high APR and limited rewards potential on non-Lands’ End spending make it poor for general use. In that case, a flat-rate cash back card or general travel rewards card would be better.

The Lands’ End Visa card is best suited to Lands’ End devotees who will use it primarily for brand purchases. More occasional Lands’ End shoppers may want to consider using a different card as their primary.

Credit Needed for Approval

Credit requirements for the Lands’ End Visa are relatively easy to meet. You can be approved with a “fair” credit score, according to Synchrony Bank’s criteria.

Exact credit score requirements are not publicly disclosed. But fair credit is generally considered to be a FICO score between 580 and 669.

The easier approval requirements make the Lands’ End Visa accessible for those who may not have perfect credit. Keep in mind the high APR if carrying a balance month-to-month, however.

How to Apply for the Lands’ End Visa Card

If you’ve decided the Lands’ End Visa is right for you, applying is quick and easy. Here are the steps to follow:

  • Go to the Lands’ End Visa application page online or apply by phone.
  • Provide personal information like your name, address, date of birth, and Social Security Number.
  • Submit income and employment information.
  • Review the terms and conditions then submit your application.
  • Receive an instant decision or wait up to 10 days for a decision by mail.
  • If approved, activate your new Lands’ End Visa card when it arrives.
  • Register your account online to start tracking points and redeeming rewards.

And that’s it! With an approved application, you can start using your new Lands’ End credit card and capitalizing on all its perks for loyal cardholders.

Tips to Get the Most from Your Lands’ End Visa Card

Here are some tips to maximize the value you get from the Lands’ End Visa:

  • Use it for all Lands’ End purchases to quickly accumulate reward points.
  • Take advantage of special financing offers on big-ticket Lands’ End items.
  • Don’t carry a balance month-to-month to avoid high interest charges.
  • Set up autopay and paperless billing to avoid late fees or interest charges.
  • Redeem points for reward certificates as soon as you hit 200.
  • Use your 5% discounts on apparel and gear ordered online.
  • Check for new cardholder promotions you may qualify for.
  • Contact Lands’ End Visa customer service with any questions.


The Lands’ End Visa card offers valuable rewards and discounts for frequent Lands’ End shoppers. With bonus points and perks like special financing, free shipping, and discounts, it provides incentives for loyal customers.

But the high APR and limited rewards value on non-Lands’ End spending make it poor for general everyday use.

In all, this store-branded card is best suited for those who love the brand and shop Lands’ End regularly. More casual buyers may be better off with a flat-rate cash back or flexible travel rewards card instead.

But for Lands’ End devotees, the card provides brand-specific benefits that make it worth considering.

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