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Last Updated: 05/14/2026

J Jill Credit Card

from Comenity Bank

Last Updated: 05/14/2026

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
J Jill Credit Card logo
Strongly not recommended5 total votes
5 users don't recommend

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Highlights

Community Rating

Strongly not recommended

Purchase APR (Variable APR)

Up to 26.99%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

600 - 850

Annual Fee

$0

Number of Reviews

5

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J Jill Credit Card Review

This is a store card issued by Comenity Bank. If you're wondering whether J Jill Credit Card is the right card for you, read on.

Key Takeaways

  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
  • Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of J Jill Credit Card

J Jill Credit Card FAQ

Does J Jill Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

How do people rate the customer service and user experience of J Jill Credit Card?

Overall, J Jill Credit Card is strongly not recommended based on community reviews that rate customer service and user experience.

Does J Jill Credit Card report your account activity to credit bureaus?

Yes, J Jill Credit Card reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Comenity Bank perform a hard credit pull?

Yes, J Jill Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for J Jill Credit Card

  • Visit the website of J Jill Credit Card.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020
Visit Site

Hours of Operation

Sunday
9:00AM - 5:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
9:00AM - 5:00PM

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SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -100, or 1 on a 5-point rating scale.

-100

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

J Jill Credit Card Community Reviews

Would you recommend J Jill Credit Card to your friends?

JE

Janet E.

Sep 7, 2022

May or may not recommend

Since JJill switched to comenity credit card it is a nightmare. I am tearing up my card today and won't shop at that store. I tried to pay my bill online several times, the website was down, the store couldn't help me. Then I get charged a late fee of 30 dollars plus 3.05 dollars interest. After a back and forth the customer service rep wiped out the 30 ...Show More

BC

Brenda C.

Jul 9, 2022

May or may not recommend

I have had a jjill account for several years. Payment through Comenity bank is a nightmare. I have never been late on a payment but get notices that site is down, didn’t receive payment. I do not get emails stating my payment has been received when making a payment. There are NO humans to talk to when calling. There is absolutely no way to contact anyone concerning jjill. I would ...Show More

AS

Anne-magali S.

May 6, 2022

May or may not recommend

The absolute worst CC experience I ever had. They probably, purposefully sent the credit card very late so I couldn't set up my online account, then communicated erroneous sum owed (forgetting to include some mysterious late fee), customer pays, assuming it is in full, then receives notice that there was an interest fee, unpaid because unknown, then a late fee of $29 is added. I just spent 8 hours transcribing ...Show More

TM

Tracy M.

Sep 16, 2021

May or may not recommend

They told me they are charging me DAILY interest on a purchase made last February, and paid in full in May. I have been charged daily interest and late fees each month, although I haven’t made any purchases in SEVEN months. I was told that I am paying interest on the February purchase, even though the card has been paid in full, on time, for months!

CH

Caroline H.

Jul 11, 2021

May or may not recommend

They take every opportunity to charge fees. I put the wrong account number on a check and they charged me approx. $50.00 in fees. I closed my account. Do not use JJill credit or any company that used Comenity Bank to service their card. Use Visa, MC or Discover.

Showing 5 of 5 reviews

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