Kmart has the Schwinn Women's 700c Wayfarer Bike for $170 - 10% off with coupon code KMART10PSAVINGS = $153 with free in-store pickup or $90 shipping to home. Features a retro city frame, SRAM grip shifters, linear pull brakes, springed seat, front and rear fenders and a rear luggage rack.
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Men's version available for same price. Reviews aren't too good, though. Seems that the rear tire likes to blow for some reason.
That reason would be riding over potholes/etc. Some people don't understand a bike isn't a car.