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  J.Crew Credit Card

J.Crew Credit Card

in Personal Credit Cards from Comenity

Unaffiliated

J.Crew Credit Card

Unaffiliated

in Personal Credit Cards from Comenity

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Highlights
Highlights
Purchase APR  (Variable APR) Starting at 27.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

J.Crew Credit Card Review

J.Crew Credit Card is a store rewards credit card issued by Comenity. If you're wondering whether J.Crew Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 27.24%
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.

J.Crew Credit Card Pros and Cons:

The Good The Bad
  • Free standard shipping for cardholders
  • Free standard alterations on in store purchases for cardholders.
  • Points earned on purchases
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • J.Crew Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • High interest rate.
  • Store only card.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

Is there a J.Crew Credit Card cash back or rewards program?

J.Crew Credit Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

  • Retail
J.Crew Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus Spend Requirement $0

Does J.Crew Credit Card have a signup bonus?

J.Crew Credit Card doesn't offer a cash signup bonus.

Does J.Crew Credit Card offer an annual loyalty bonus?

J.Crew Credit Card doesn't offer a cash loyalty bonus.

What are the relevant APRs for J.Crew Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. J.Crew Credit Card has higher than average purchase APRs.

J.Crew Credit Card has a variable purchase APR starting at 27.24% .

Does J.Crew Credit Card have an introductory APR offer on balance transfers?

No, J.Crew Credit Card does not come with an introductory APR offer for balance transfers.

Does J.Crew Credit Card have an introductory APR offer on new purchases?

J.Crew Credit Card does not offer an introductory rate on new purchases.
J.Crew Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for J.Crew Credit Card?

The following fees apply to J.Crew Credit Card:

J.Crew Credit Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $25
Late Payment Fee up to $38

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

J.Crew Credit Card reports your account activity to the following credit reporting agencies:

  • 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 can help improve your credit.

How to apply for J.Crew Credit Card

  • Visit the J.Crew Credit Card website.
  • 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Contact

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

About J.Crew Credit Card

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Paper Statement Fee $0
Minimum Interest Charge $1
Returned Payment Fee Up to $25
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Card Type
  • Rewards
  • Store Card
Card Network Other
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Bonus Rewards Extra 15% off your first purchase Double points on every purchase $5 reward every time you spend $100
Rewards Categories Retail
Balance Computation daily balance
Purchase APR (Variable APR) Starting at 27.24%

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