Lands' End® Credit Card Current Credit Card Agreements

Comenity Capital Bank's filed agreement for Lands' End® Credit Card Current Credit Card Agreements discloses a 35.99% purchase APR, no annual fee and a 39.99% penalty rate. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

What the document actually states

Comenity Capital Bank filed this agreement for Lands' End® Credit Card Current Credit Card Agreements with the Consumer Financial Protection Bureau. The filing runs eight pages.

On the record here: a purchase rate, a penalty rate, an annual fee line, a late payment maximum and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a foreign transaction fee.

How the purchase rate compares

At 35.99%, the purchase APR falls at roughly the 97th percentile of the 2,280 filings indexed here, which is at the extreme upper end of the corpus.

The arithmetic of revolving

Carry $3,000 on this card for a year without paying it down and the purchase rate alone generates roughly $1,299 in interest.

Against the corpus median of 21.99%, that is approximately $561 a year of extra interest on the same $3,000.

Small balances do not get a proportionally small bill — the agreement imposes a $3 minimum interest charge in any month where interest applies.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Charges beyond interest

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Paying in full

21 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That is shorter than the 25-day corpus median.

The $3 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

What a missed payment costs

A penalty APR of 39.99% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 86th percentile.

Measured in money, moving from 35.99% to 39.99% costs an extra $117 or so annually on $2,000 — a far larger number than any single late fee.

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

Inside Comenity Capital Bank's filed lineup

This is one of 100 Comenity Capital Bank agreements collected here. The issuer's own range is 14.74%–35.99%. At 35.99%, this agreement is dearer than 47 of its siblings.

What the filing does not tell you

This page cannot tell you anything about cash advances, balance transfer terms and a foreign transaction fee, because the filing's disclosure table as read does not contain them.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Go to the source

The original filing, 8 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

This is an expensive agreement by the standards of the corpus, driven by a 35.99% purchase rate that is inert for a transactor and punishing for a revolver. The absence of an annual fee means the rate is the only thing that can make this card expensive.