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From the Experts at Credit.com

J. Crew Credit Card Review: Higher Interest for Retail Rewards

Advertiser Disclosure

J Crew

[Disclosure: Cards from our partners are reviewed below.]

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.)

A Retail Card for J.Crew Loyalists

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 26.49%.

Is the J.Crew Card Right for You?

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 26.49%, 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.

Alternative Options: Cash Back Credit Cards

If you’re a shopping enthusiast who loves deals but you don’t want to be restricted to J.Crew stores, you may want to consider a cash back rewards credit card instead. You’ll still be rewarded for shopping, but you’ll be able to shop at most retail locations and earn rewards on most purchases as well.

Here are a few of our favorite cash back credit cards.

Citi Double Cash Mastercard

Citi® Double Cash Card – 18 month BT offer

Apply Now
on Citi's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
15.24% - 25.24%* (Variable)

Balance Transfer:
Intro: 0% for 18 months on Balance Transfers

Annual Fee:
$0*

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.24% - 25.24% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*

Card Details +

Card Details: The Citi Double Cash Mastercard offers cardholders 2% cash back: 1% cash back on all purchases and an additional 1% back when the purchases are paid off. Cash back rewards are unlimited and never expire. This card is great for all-around spending, especially for customers who pay off their balance in full each month. (Full Disclosure: Citibank, as well as Discover, advertise on Credit.com, but that results in no preferential editorial treatment.) 

Annual Fee: $0*

APR: 15.24% - 25.24%* (Variable)

Discover it® Cash Back

Discover it® Cash Back

Apply Now
on Discover's secure website
Card Details
Intro Apr:
0% for 14 months on purchases

Ongoing Apr:
13.74% - 24.74% Variable on purchases & balance transfers

Balance Transfer:
Intro: 0% for 14 months

Annual Fee:
$0

Credit Needed:
Excellent-Good-Fair
Snapshot of Card Features
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

Card Details +

Card Details: Discover it Cash Back cardholders earn 5% cash back on rotating categories, which have included places like gas stations, restaurants, department stores and even Amazon. Categories change on a quarterly basis and there is a $1,500 ceiling per quarter (you do have to activate this). All other purchases earn an unlimited 1% cash back. As a bonus, Discover will match the cash back you earn in your first year as a cardholder, so if you earn $200 cash back, Discover will throw in another $200, totaling a $400 cash back reward. Currently, Discover is offering an introductory 0% for 14 months on purchases and balance transfers for this card.

Annual Fee: $0

APR: 13.74% - 24.74% Variable on purchases & balance transfers

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.

At publishing time, the Citi Double Cash and Discover it cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. 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).


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Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.