What the Lululemon Credit Card Is
The Lululemon credit card is a branded rewards card issued by Comenity Bank that you can use anywhere Visa is accepted, but earns bonus rewards when you shop at Lululemon stores or on their website. You do not have to be a Lululemon customer to open one — you just need to meet the bank's credit requirements and be willing to go through a standard credit process.
The card is designed for people who already shop at Lululemon regularly and want to earn rewards on those purchases. Unlike store-only cards that work nowhere else, this one functions as a regular Visa, so you can use it for groceries, gas, or any other purchase. The trade-off is that the rewards rate is highest at Lululemon and lower everywhere else.
There is no annual fee, which means you can keep the card open even if you do not use it for months at a time without paying to maintain it.
Key Takeaways
- The Lululemon card earns a higher rewards rate at Lululemon locations and online than it does on other purchases, so the card makes the most sense if you shop there regularly.
- You can use the card anywhere Visa is accepted, not just at Lululemon, though the rewards rate is lower for non-Lululemon purchases.
- There is no annual fee, so keeping the card open costs you nothing even if you use it infrequently.
- The card is issued by Comenity Bank, and you explore directly through Lululemon's website or in store, not through a bank website.
- Approval depends on your credit history and income, just like any other credit card — having a fair or poor credit score may result in denial or a higher interest rate.
How the Rewards Program Works
When you use the Lululemon card at Lululemon, you earn rewards points on every dollar spent. The exact rate varies — Lululemon periodically adjusts their rewards structure, so you should check the current offer before opening the card. Rewards typically range from 2 to 5 points per dollar depending on whether you are a Lululemon member and what tier of membership you hold.
Points accumulate in your account and can be redeemed for Lululemon merchandise or gift cards. You redeem them directly through the Lululemon app or website, and there is usually a minimum point threshold before you can cash them in — often around 500 to 1,000 points depending on the current program rules.
When you use the card outside of Lululemon, you earn a lower rate — typically 1 point per dollar or sometimes no points at all. This is why the card is most valuable if you spend a significant amount at Lululemon each year. If you rarely shop there, a general rewards card with a flat rate across all purchases might serve you better.
Interest Rates, Fees, and Credit Requirements
The Lululemon card has no annual fee, which is standard for most branded retail cards. However, like all credit cards, it carries an interest rate (called the APR, or annual percentage rate) that applies to any balance you do not pay off in full each month.
Your APR depends on your credit score and credit history. If you have excellent credit, you may receive a lower rate. If your credit is fair or poor, the rate will be higher — sometimes significantly higher. Comenity Bank will tell you the rate you may have access to for during the process process, before you officially open the card.
If you carry a balance, you will pay interest on it daily until it is paid off. The card may occasionally offer promotional periods (such as 0% APR for a set number of months on new purchases), but these are temporary and have specific terms you should read carefully.
how the process works and What Happens Next
You can start an process in a Lululemon store or on Lululemon's website. The process asks for your name, address, Social Security number, income, and employment information. Comenity Bank uses this information to check your credit report and decide whether to approve you and what interest rate to offer.
The decision usually comes within minutes to a few hours. If you are approved, you can use the card when ready for online purchases, and a physical card arrives in the mail within 7 to 10 business days. If you are denied, Comenity Bank will send you a letter explaining why, and you can request a copy of the credit report they used to make that decision.
Once your card arrives, you set up a PIN for in-store purchases and link it to your Lululemon account to start earning rewards. You can manage your account online through Comenity Bank's website or through the Lululemon app, depending on which platform you prefer.
When the Lululemon Card Makes Financial Sense
The card is worth opening if you spend at least a few hundred dollars per year at Lululemon and will pay off your balance in full each month. In that scenario, the rewards points add up to real value without any interest charges eating into your savings.
The card is less useful if you carry a balance month to month. Interest charges will quickly exceed the value of any rewards you earn, especially if your APR is high. In that case, paying down debt with a lower-interest method (or a 0% balance transfer card) is a better financial move than opening a new rewards card.
The card is also worth reconsidering if you shop at Lululemon only occasionally or if you prefer a rewards card that earns the same rate everywhere. A general-purpose card with a flat 2% cash back on all purchases might give you more value if you spend most of your money outside of Lululemon.
How This Card Affects Your Credit
Opening the card will cause a small, temporary dip in your credit score. This happens because Comenity Bank pulls a hard inquiry on your credit report, which counts as a credit-seeking event. The dip is usually 5 to 10 points and recovers within a few months.
Once the card is open, your credit score can actually improve over time if you use the card responsibly. Paying your bill on time every month and keeping your balance low relative to your credit limit both help your score. Conversely, missing payments or maxing out the card will damage your score.
If you already have several credit cards, opening another one increases your total available credit, which can help your score by lowering your overall credit utilization ratio — the percentage of your total credit limit that you are actually using.
Comparing the Lululemon Card to Other Options
If you are deciding between the Lululemon card and a general rewards card, consider how much you spend at Lululemon versus everywhere else. A card that earns 2% cash back on all purchases will beat the Lululemon card if you spend less than half your money at Lululemon, because the lower rate on non-Lululemon purchases will drag down your overall earnings.
If you shop at multiple athletic or lifestyle brands, a card that earns bonus rewards at a category (like "sporting goods" or "apparel") might be more flexible than a single-brand card. However, those cards often carry annual fees, so you need to earn enough rewards to offset that cost.
Some people carry both a branded card and a general rewards card — using the Lululemon card at Lululemon and a flat-rate card everywhere else. This approach maximizes rewards but requires managing two accounts and two payment due dates.
Frequently Asked Questions
Can I use the Lululemon card outside of Lululemon?
Yes. The card is a Visa, so it works anywhere Visa is accepted — grocery stores, gas stations, restaurants, and online retailers. You just earn a lower rewards rate (or no rewards) on those purchases compared to what you earn at Lululemon.
What happens if I do not pay my bill on time?
Late payments are reported to the credit bureaus and damage your credit score. You will also be charged a late fee and may face a higher interest rate. If you miss a payment, contact Comenity Bank as soon as possible to bring your account current.
Can I transfer my Lululemon rewards points to another program?
No. Lululemon rewards points can only be redeemed for Lululemon merchandise or gift cards. They cannot be transferred to airline miles, hotel points, or other loyalty programs.
What credit score do I need to be approved?
Comenity Bank does not publish a minimum credit score requirement. Generally, cards with no annual fee are easier to get approved for than premium cards, but approval still depends on your full credit history, not just your score. You can explore and find out what decision you receive.
Does the card offer a sign-up bonus?
Lululemon occasionally runs promotions for new cardholders, such as bonus points after your first purchase or a statement credit. These offers change, so check Lululemon's website or ask in store about the current offer before you explore.