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  Lord & Taylor Credit Card

Lord & Taylor Credit Card

in Personal Credit Cards from Capital One

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Lord & Taylor Credit Card

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in Personal Credit Cards from Capital One

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Highlights
Purchase APR  (Variable APR) Starting at 27.74%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 640 - 850
Annual Fee $0

Lord & Taylor Credit Card Review

This is a store rewards credit card issued by Capital One. If you're wondering whether Lord & Taylor Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 27.74%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You will have good approval odds if your credit score is above 640.
Pros & Cons of Lord & Taylor Credit Card
The Good The Bad
  • $10 IN REWARDS WHEN YOU SPEND $200
  • Receipt free returns
  • Exclusive events for members
  • When customers spend at least $1000 in a calender year, they are upgraded to the Premier Card. This offers the slightly greater benefit of free shipping codes and discounts without Lord and Taylor coupons.
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • Lord & Taylor Credit Card reports to multiple credit bureaus.
  • High APR
  • Store only card. Cannot be used for other purchases.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Lord & Taylor Credit Card FAQ

Does Lord & Taylor Credit Card have a cash back or rewards program?

Lord & Taylor Credit Card is a rewards card. This card features rewards for purchases in the following categories:

  • Retail
Lord & Taylor Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Lord & Taylor Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Lord & Taylor Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the relevant APRs for Lord & Taylor Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR starting at 27.74% .

Does Lord & Taylor Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Lord & Taylor Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Lord & Taylor Credit Card?

The following fees apply:

Lord & Taylor Credit Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $25
Late Payment Fee up to $38

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

What is the customer service phone number for Lord & Taylor Credit Card?

The Lord & Taylor Credit Card customer service number is (877) 383-4802.

What is the support contact email for Lord & Taylor Credit Card?

The support contact email for Lord & Taylor Credit Card is support@capitalone.com.

Does Lord & Taylor Credit Card report your account activity to credit bureaus?

Yes, Lord & Taylor Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Lord & Taylor Credit Card

  • Visit the Lord & Taylor Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Minimum Interest Charge $1
Returned Payment Fee Up to $25
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Rewards Categories
  • Retail
Balance Computation average daily balance
Purchase APR (Variable APR) Starting at 27.74%
Card Type
  • Rewards
  • Store Card
Card Network Other

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