The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Information on this website may not be current. This website may contain links to other third-party websites. Such links are only for the convenience of the reader, user or browser; we do not recommend or endorse the contents of any third-party sites. Readers of this website should contact their attorney, accountant or credit counselor to obtain advice with respect to their particular situation. No reader, user, or browser of this site should act or not act on the basis of information on this site. Always seek personal legal, financial or credit advice for your relevant jurisdiction. Only your individual attorney or advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, contributors, contributing firms, or their respective employers.
Credit.com receives compensation for the financial products and services advertised on this site if our users apply for and sign up for any of them. Compensation is not a factor in the substantive evaluation of any product.
UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace.
J.Crew is an internationally recognized clothing retailer that sells everything from high-end fashion to casual clothing, jewelry, swimwear and accessories. With over 300 stores in North America and many more locations worldwide, J.Crew is a retail powerhouse and, like many of its competitors, offers its own credit card to reward loyal shoppers.
Loyal J.Crew customers may find the J.Crew Credit Card enticing for its shopping rewards. Read on to get the card details and find out if it’s right for you. (Note: It’s important to read the credit card agreements for full details.)
The J.Crew Credit Card is issued directly through Comenity Bank, one of the top providers of merchant-branded credit cards. Consumers can apply in-store or online directly through Comenity’s application portal. Applications can potentially be approved within minutes, depending on your credit. (Note: Store credit cards are often much easier to qualify for than traditional credit cards, so if you’re working on building or repairing your credit, you may still qualify.)
The card can be used at all J.Crew, J.Crew Factory or J.Crew Mercantile (think outlet) stores and online at jcrew.com or jcrewfactory.com. Although Madewell is a J.Crew company, J.Crew does not list Madewell locations as eligible for card usage.
Cardholders earn a $10 rewards card for every $200 spent and an annual birthday gift. Having the card also gives users invitations to exclusive private J.Crew events and early access to select items. At the time of publishing, J.Crew is offering 15% off the first purchase on a new card.
As for services, cardholders get free standard alterations to clothing, personal shopping experiences (stores can even open early or stay open late, as needed) and access to an exclusive priority customer service hotline. There is also free online account management and bill pay.
There is no annual fee associated with this card, and additional cards for authorized users come free.
Though not unusual for a store credit card, the APR is a bit on the high side at a variable 27.24% (as of 12/18/2019).
While the J.Crew Credit Card benefits are appealing, they’re likely only going to benefit the most loyal and dedicated J.Crew shoppers who spend a lot at J.Crew annually. Otherwise, the fact that you’re limited to using the card at J.Crew stores is pretty restricting.
As we mentioned, the variable APR comes in at a high 27.24%, which can really tack on extra money if you can’t make a payment in full. If you tend to carry a balance, looking at a different credit card with a lower APR may be a better option.
This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).
Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.