Love shopping at Lands' End and wondering if their store card is worth opening at checkout? The Lands' End credit card promises points on your purchases, but the fine print may surprise you. Before you sign up, it helps to understand what this card really costs and whether a credit-building card might serve you better.
This review breaks down the Lands' End credit card fees, APR, and rewards in plain English. If your main goal is building credit rather than earning store points, we'll also point you toward lower-cost alternatives.
What Is the Lands' End Credit Card?
The Lands' End credit card is a co-branded card issued by Comenity Capital Bank. There are two versions: a store card that works only at Lands' End, and a Lands' End Visa that you can use almost anywhere.
The card is built for frequent Lands' End shoppers. It rewards loyalty with points, but it is not designed as a credit-building tool. If you have no credit or bad credit, approval may be harder, and the costs can add up fast.
Lands' End Credit Card Fees and APR
As of June 2026, the Lands' End credit card charges no annual fee. That sounds appealing, but the APR is where things get expensive. Reports place the APR on the high end at more than 35%, which is well above the average credit card interest rate.
The Lands' End Visa also carries a 3% foreign transaction fee, and the minimum interest charge is $3 in any billing period where interest applies. APRs vary by creditworthiness, so your exact rate depends on your credit profile. Terms and conditions apply.
The takeaway is simple. If you carry a balance even occasionally, the high APR can wipe out any rewards you earn.
Lands' End Credit Card Rewards
The Lands' End Visa earns 5 points per $1 at Lands' End stores or landsend.com, 2 points per $1 at gas stations, restaurants, and travel, and 1 point per $1 on everything else. Points expire 12 months after they post, and reward certificates expire 60 days after issue.
That expiration window is tight. If you do not redeem on time, your rewards can vanish. For shoppers who pay in full every month and buy from Lands' End often, the rewards can have value. For everyone else, the math gets thin.
Who Should Consider It?
This card fits a narrow group: loyal Lands' End customers with solid credit who pay their balance in full each month. If that describes you, the points may be worth it.
But if you are still building credit, a store card with a 35% APR is a risky place to start. A dedicated credit-builder card reports to all three bureaus and helps you grow your score without tying you to one retailer. Let's look at a few lower-cost options, starting with the Self Visa Credit Card.
The Self Visa® Credit Card pairs a small savings deposit with a credit-builder account, so you build credit and savings at the same time.
Another option worth a look is the Current Build Card. It is designed to help you build credit using your own spending, with no hard credit check to get started and no interest in the traditional sense.
Current Build Card
Current Build Card
$0 annual fee. No minimum deposit required. No credit check required. 1 point per dollar on eligible categories. Reports to Experian, TransUnion, Equifax.
Fee
$0
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
1 point/dollar on eligible categories (with qualifying payroll deposit)
Benefit
No credit check, no deposit minimum
If you want a low-cost, no-fuss path, the Kikoff Secured Credit Card keeps things simple. It reports your activity to the credit bureaus and is built specifically for people working to establish or rebuild credit.
Kikoff Secured Credit Card
Kikoff Secured Credit Card
Kikoff Secured Credit Card works like a debit card & checking account and performs like a credit builder. Build credit with your everyday purchases.
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
Yes
Benefit
0% interest. No credit check.
How These Compare
The Lands' End credit card rewards a specific shopping habit, but it does little for your long-term credit health and charges a high APR. The credit-builder cards above flip that priority. They focus on reporting on-time payments and helping your score grow.
For many people with no or low credit, a secured credit card or a credit-builder account is a better first step than a retail card. You can always add a rewards card later once your score improves.
Tips for Building Credit
Start by paying every bill on time, since payment history is the single biggest factor in your score. Keep your balances low compared to your limit, ideally under 30%.
Use a card that reports to all three major bureaus, and check your progress regularly. Tools like Creditship.ai can help you monitor your credit and understand what is moving your score. Over time, these habits typically lead to better card offers and lower rates.
If you have been turned down before, do not give up. Our guide on what to do after applying for a credit card after being denied walks through your next moves.
Is the Lands' End Credit Card Worth It?
For a loyal Lands' End shopper who pays in full, the card can earn useful points with no annual fee. For anyone focused on building credit or carrying a balance, the high APR makes it a tough sell.
If credit building is your goal, a card from Firstcard's credit-building lineup or one of the alternatives above will likely serve you better and cost you less.
Frequently Asked Questions
Does the Lands' End credit card have an annual fee?
No, as of June 2026 the Lands' End credit card has no annual fee. However, it carries a high APR, a 3% foreign transaction fee on the Visa version, and a $3 minimum interest charge, so costs can still add up if you carry a balance.
What credit score do I need for the Lands' End credit card?
Lands' End does not publish an exact score requirement. Store and co-branded cards from Comenity generally favor applicants with fair to good credit. If your credit is still developing, a credit-builder card may be easier to qualify for.
Do Lands' End rewards points expire?
Yes. Points expire 12 months after they post to your account, and reward certificates expire 60 days from the date they are issued. You need to redeem promptly to avoid losing them.
Is a credit-builder card better than the Lands' End card?
If your goal is building credit rather than earning store rewards, a credit-builder card is usually the better choice. These cards report to all three bureaus and typically cost less to carry than a high-APR retail card.
