Lord and Taylor Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Lord and Taylor Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rateQualify with fair creditSpending caps on rewardsHigh Regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the Lord and Taylor Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 1-866-465-8292
Lord and Taylor Credit Card has a rating of 3.2/5 according to our proprietary credit card rating system. This rating reflects how appealing Lord and Taylor Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Lord and Taylor Credit Card earned a score of 5.0/5 for Fees, 2.4/5 for Rewards, and 3.3/5 for Cost.
WalletHub Rating Breakdown
User Reviews
3.4/5
242 reviewsRead and write reviews
Editor’s Review
3.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
3.2/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
25.49% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Get $10 in Rewards for every $200 spent in net qualifying purchases with your card, up to $250 quarterly. That's 5% back.
Enjoy exclusive member-only events, Birthday Bonus (sent via email), promotional financing and Receipt-Free Returns.
Spend $1,000 on the card to get Premier Rewards benefits like Free Shipping Codes (sent via email) and Couponless Shopping for that calendar year.
Rewards expire on the last day of the 6th month after the date of issuance. Rewards remaining in account at the end of year will not be carried forward to the next year.
Nice initial discount. You will receive a full N/A for whatever you buy the day you get approved for the Lord and Taylor Credit Card. Some store cards offer bigger discounts, percentage-wise, but many cap the dollar amount you can save. Needless to say, if you’re planning to spend a lot at Lord and Taylor, this discount is reason enough to apply for the Lord and Taylor Card.
Premier option for big spenders. The standard Lord and Taylor Store Card gives you $10 in store credit for every $200 spend. You also get receipt-free returns and special access to member-only events. But if you spend at least $1,000 in a calendar year, you will receive the Lord and Taylor Premier Card, which lets you get discounts without having to bring coupons, as well as getting free shipping codes sent via mail. Still, that’s nothing to write home about.
Above-average APR. The Lord and Taylor Card’s APR is a bit above the already-high store-card average of 29.95%. That means you should make sure to pay your monthly bills in full.
$0 annual fee. Most store credit cards don’t charge annual fees. So this part of the Lord and Taylor Card is nice, but not a big differentiator.
Standard credit requirement. The Lord and Taylor Credit Card requires at least fair credit for approval, which is the norm for a store card. You can gauge your odds of approval by checking your credit score for free on WalletHub.
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You cannot apply for the Lord and Taylor Credit Card anymore. This card is no longer available to new applicants.
Alternative Credit Card Option
There are many similar credit cards on the market you might qualify for. If you're interested in applying for one, check out our editors' latest picks for the best store credit cards to find one that suits your needs.
A good alternative would be Macy's Store Card. This card offers plenty of rewards and discounts on...
Online: Log in to your online account and click on "Make a Payment". Then, choose how much to pay, when to pay it, and where the payment is coming from.
The black Lord and Taylor credit card is a Premier Awards card actually, so it's fancier and has more perks than the regular Awards card (which is silver).
You get automatically upgraded to a Premier card if you qualify, meaning that you have to spend $1,200 each year on purchases, and your account must be in good standing. But here's the catch: in order to remain at this Premier tier, you have to keep...
For higher chances of approval, you will have to have a good payment history and make more than your minimum monthly payment. What also helps is to keep all your accounts in good standing,...
The Lord and Taylor Credit Card used to require at least fair credit, but the card is no longer available to new applicants. However, if you're looking for a similar credit card, you're not out of options.
One good card to check out is the Macy's Store Card because it offers 2 points per $1 on purchases. On top of that, the card has a $0 annual fee. The Macy's Store Card credit score requirement is at least 640. That means people with fair credit...
Share your insights and review for the Lord and Taylor Credit Card
5
12%
4
36%
3
43%
2
5%
1
5%
3.4
242 reviews
242 reviews
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Bobbie J Woods @woodsbobbie70
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1 Star Rating
Really disgusted with this card it's ridiculous I pay my $200 freaking up front b or whatever and they never sent me my card I try to get a hold of them they wouldn't get a hold of me and then they're going to charge me then I owe them money when they took my 200 bucks and I haven't even got to use it so how do I owe them money don't understand this car don't get it it's a scam
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dmanftl1 @dmanftl1
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5 Star Rating
Verified Customer
Lord and Taylor was one of my favorite stores!! I used my card mostly on line and was never late on a payment. They had some great items but they are closed now!!
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cashley106 @cashley106
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1 Star Rating
No stars would be better Don’t ever get a lord and Taylor account EVER the people at Capitol one are AWFUL I paid a 61 dollar payment capital one said the bank took my payment back I got the copy of my check from my bank that capital one cashed my check both sides front and back I had to pay to fax it to them and I mailed it to them too they didn’t believe the bank!! so I had to get my bank to print out my whole statement to prove the bank didn’t take the check back it had been paid there was no reason to take the check back to begin with anyway I paid 36 dollars and change to fax that to them it was double sides 11 pages not to cheap remember the check was 61 dollars just got a call from the girl kandis who said she would help me some help she said capital one said the bank took the check again evidently they didn’t believe my bank I would have to go to the bank who by the way is closed open only by appointment due to the covid 19 virus to prove that the check wasn’t taken back I already got the statement what they want is blood and that would cost more money to send forget it they got enough money from me already just about what the damm check was for 61 bucks so the best thing to do is pay it off cut it up and they will never get another dime from me i work in a lab at a hospital in Massachusetts this has been a great piece of conversation and now many people will never shop at lord and Taylor again sounds good to me!!! Plenty of places to shop once the stores open again!!!!
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rbynkeith @rbynkeith
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1 Star Rating
Verified Customer
This card sucks! It does not give automatic increases, nor does it use accurate credit info that they've obtained through a periodic snapshot of its customers credit profile, which should be updated st least every 45 to 60 days, instead capital one uses old outdated info to qualify a customer fir a credit line increase, therefore they prod you to let them do a hard inquiry. If the company performed regularly automatic credit reviews, that way they would have the most current credit profile available to perform a soft inquiry, versus trying to convince ...your customers to dti a hard inquiry in order to receive a credit limit increase!!!
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m3llani3 @m3llani3
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5 Star Rating
Great card! I was struggling with making payments on time because I just got a mortgage. This company removed 3 of my late fees on my account unlike The Limited Credit card who their only solution was to return half of one late fee.
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Gary MacFadden @garym_22
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1 Star Rating
ZERO stars. IMPOSSIBLE to see your transactions online. Nothing is posted except your bill. Credits are late to post to your account. Kohl's is so much better for customers. Macy's is better, too, but not by much. L&T credit card is the absolute pits.
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Sharon Primerano @sharonp_14
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3 Star Rating
The Lord and Taylor card offers the benefit of 15% off all purchases online or in store for your first that you use their credit card. After that, there are not any discounts or deals. Their standard purchase APR is 25.49% that is about average. JC Penny’s standard purchase APR is 26.99%. However, JC Penny has a promotional offer of no interest on furniture purchases for 36 months. Macy’s credit card promotion gives you 20% off store items the day following your credit card approval, but you can only save up to $100. One advantage with the Lord and Taylor card is that there is no yearly fee and the grace period is 25 days, which is not too bad. The Lord and Taylor card is similar to other retail credit cards.
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Mia Rose @miar2
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5 Star Rating
I love the Lord and Taylor Credit card. If you spend enough per year they upgrade you to a "Black Premiere card," which gives the percentage off coupons automatically, plus other savings plus early shopping on friends and family sale days, and of course a bonus coupon with a dollar amount (not percentage)off for your birthday! The downside is these advantages do not translate online.
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Ashley @ajj1214
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4 Star Rating
This Lord and Taylor credit card is good because it has a 15% discount offer when used in store and online the first day you activate your account, which can add to some real savings. Although the APR is a little high on this card, it is definitely convenient and I would recommend this card to anyone.
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John Whit @johnw_83
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1 Star Rating
I frequently shop at Lord & Taylor and normally I am afraid of store credit cards becase I have a tendency to buy entirely too many things but it's really cool that this card gives you 15% off across the board and like no credit cards do that really, so it's kind of crazy not to. The APR is pretty high though, and it's clear that they are trying to get people interested who are prone to making bad financial decisions and that will likely save the 15% on the purchase but pay infinitely more than that on the interest that compounds as the years go buy as well as the $35 late fee.
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Review Lord and Taylor Credit Card
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