WalletHub Rating
3.9/5
J.Crew Credit Card has a rating of 3.9/5 according to our proprietary credit card rating system. This rating reflects how appealing J.Crew Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, J.Crew Credit Card earned a score of 5.0/5 for Fees, 3.9/5 for Rewards, 3.9/5 for Cost, and 2.8/5 for User Reviews.Info about the J.Crew Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
2.8/5
71 reviewsRead and write reviews
Editor’s Review
4.2/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.9
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.9
Cost
3.9
Other Features
0.0
3.9/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
31.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Get 20% off your first purchase the same day of account opening. Exclusions apply.
Earn 2 points for each dollar spent on all purchases. Receive a $5 Rewards card for every $100 you spend.
Upgrade to Gold by spending $1,000 per year and get 3 points per dollar spent on all purchases.
Free standard alterations on in-store purchases.
Get $25 birthday gift every year.
Free standard shipping at J.Crew & J.Crew Factory
J.Crew Credit Card's Additional Info
Cardmembers-only priority customer service, invitations to private sales and events.
Additional cards for authorized users (you get rewarded when they spend).
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Learn More
at Synchrony Bank's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
July 9th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
J.Crew Credit Card Pros & Cons
No membership fees
High rewards rate
20% discount initial rewards bonus
Qualify with fair credit
Spending caps on rewards
High regular APR
J.Crew Credit Card Review
4.2 / 5
- Good initial discount. You’ll get a 20% discount on the first purchase you make with the J.Crew Credit Card the same day of account opening, which could certainly save you a bundle if you apply before a shopping spree. With that being said, nearly 30 other store credit cards offer a discount at least as big, according to WalletHub’s database.
- Lucrative ongoing rewards. You will earn 2 points for every $1 that you charge to your J.Crew Card. And you’ll get $5rewards for every 200 points earned. That works out to 2.5% back, which is what most of the really good retailer-affiliated credit cards offer.
- Complimentary alterations are a nice wrinkle. The J.Crew Credit Card entitles you to free standard alterations at J.Crew store locations. How valuable this will be, obviously depends on how often you get clothing tailored and how much it usually costs. But it’s a thoughtful touch, in any case.
- Fairly standard otherwise. Like nearly all other store credit cards, the J.Crew Card requires at least fair credit for approval and does not charge an annual fee. Unfortunately, its APR is also pretty close to the store-card average (30.54%), according to WalletHub’s latest Credit Card Landscape Report. That means you should check your credit score before applying and always pay your monthly bills in full if you get approved.
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Compare The J.Crew Credit Card vs. Popular Alternatives
 J.Crew Credit Card |  Costco Anywhere Visa® Card by Citi |  Prime Visa |
|---|---|---|
3.9WalletHub Rating WalletHub Rating 3.9 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 User Reviews 2.8 Market Comparison 3.9 fees: 5.0 rewards: 3.9 cost: 3.9 Other Features: 0.0 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.6 Market Comparison 3.5 fees: 5.0 rewards: 3.0 cost: 3.6 Other Features: 0.0 | 4.4WalletHub Rating WalletHub Rating 4.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 Market Comparison 4.4 fees: 5.0 rewards: 4.3 cost: 4.6 Other Features: 0.0 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR31.24% (V) | Regular APR20.49% (V) | Regular APR20.49% - 29.24% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about J.Crew Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
9
Upvotes
Can I use my J.Crew Credit Card anywhere?
Reply
9
3
Adrian Christensen
@AChristensen
No, you cannot use your J.Crew Credit Card anywhere. This card is only accepted:
1
7
Upvotes
How long is the J.Crew Credit Card grace period?
Reply
7
2
Syd Jones, WalletHub Credit Card Analyst
@syd.jones
The J.Crew Credit Card grace period is 25 days.
You will benefit from this grace period as long as you pay your bill in full every month. When you miss a payment, pay late or don't make your full minimum payment, you may lose your grace period.To regain your J.Crew Credit Card grace period after losing it, pay the monthly bill in full for two months in a row.
3
1
Upvote
What can I do if I lost my J.Crew Credit Card?
Reply
1
Jason Miles, Wallethub Credit Card Consultant
@jasonmiles42
If you lost your J.Crew Credit Card, you should immediately call customer service at (888) 428-8810. The issuer will request some security information in order to verify your identity before sending a replacement.
How to Report a Lost J.Crew Credit Card
- Call customer service at (888) 428-8810.
- Inform the customer service representative that you've lost your credit card.
- Provide any requested information, such as your date of birth or the last four digits of your SSN. ...
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Upvotes
How can I check my J.Crew Credit Card balance?
Reply
John Miller, Credit Cards Moderator
@john_miller
The easiest way to check your J.Crew Credit Card balance is through your online account. But that's not the only way to do it.
Here's How to Check Your J.Crew Credit Card Balance
- Online: Log in to your online account to view your balance.
- Over the Phone: Call credit card customer service at (888) 428-8810 to get your balance information over the phone.
- Statement: Your J.Crew Credit Card balance should also be listed on your monthly...
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Upvotes
Does the J.Crew Credit Card do a hard pull?
Reply
John Miller, Credit Cards Moderator
@john_miller
Yes, the J.Crew Credit Card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but only for a short period of time. The hard inquiry allows the issuer to determine your credit risk and ultimately decide whether you'll be approved for an account.
The J.Crew Credit Card requires fair credit or better to be approved. You can check your...
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J.Crew Credit Card Reviews
Share your insights and review for the J.Crew Credit Card
5
21%
4
20%
3
17%
2
10%
1
32%
2.8
71 reviews
71 reviews
What's Your Rating?
Most Recent
Noelle jk
@noellejk08
2 Star Rating
I have had a J.Crew credit card for 15 years. They dropped my credit limit to $300 from $5,000 despite a credit score of 810 and without any notice. I'm done with it and canceled. There's no loyalty on the part of J.Crew.
Comment
Raymond Harkey
@raymondharkey
1 Star Rating
Paid off balance in full back in December. Got an email today that my account was past due because my payment was one hour late back in December, and they charged me two late fees of $30. They offered to waive one of the fees to keep me as a customer. I refused, paid the late fee, and closed the account. Ridiculous.
Comment
znoboa
@znoboa
1 Star Rating
I would give them 0 stars if I could! Comenity Bank, they are awful. The worst of the worst. I haven't bought anything from J.Crew, and they're charging me interest/late fees. WHY??? How can I put a stop to this madness?
Comment
Barbara
@blsouders810
1 Star Rating
Exceptional service and traditional clothing. Fabulous designs and styles that are not trendy but much more conservative. Always provides alternative
Comment
Terri
@terrijw2003
1 Star Rating
I have never been late with this card. I did not receive a statement for months, and this slipped through the crack. No notice was given that I had an outstanding balance, as I thought its payment was made. Not only did they ding my credit, they lowered my credit limit, making my credit score plummet almost 100 points! Not a nice way to treat a loyal customer without any history of late or missed payments!
Comment
2
kerry_coyne
@kerry_coyne
1 Star Rating
Awful. I rarely use this card because its a pain to use, I have it to take advantage of j crew sale prices for card members. I paid my bill in full, was charged a late fee. I just called to close the card I've had for 10+ years because its just not worth it. They won't waive the incorrect late fee. I closed the card today, they are telling (on the same call) that I closed it 4 months ago. They are so disorganized. Not sure why I'm paying a late fee for their poorly run system.
Comment
1
Laura
@chickflix29
5 Star Rating
Been & j crew customer since I could walk I think. Great styles their sales are terrific. Plus they carry my size which is either 0 0 or 0 which is hard to find I love j crew
Comment
Alyssa Pillion
@AlyssaCT
1 Star Rating
Don’t waste your time with Comenity Bank, they are awful. Hopefully Jcrew will drop them.
They reduced my limit to $250 for an account I had for 15 years because I paid late a few times, but always paid the balance in full, I have a credit score over 800 and make 6 figures. They are a joke!
Comment
mlewis0129
@mlewis0129
1 Star Rating
J Crew Credit Card is run by Comenity Bank, the most appalling pseudo bank that victimizes unsuspecting consumers through unfair debt collection practices and incorrect reporting to Credit bureaus. I paid my statement balance on time and in full using online bill pay. They claimed they never received my payment. So my credit union put a stop payment on the first attempt I made and issued a replacement check. That check was received by Comenity/JCrew and was cashed by them. However JCrew/Comenity continues to bill me with penalty and fees way over the original balance owed. I refuse to pay them. I filed a dispute case on the amount. Comenity continues to assert that they have not yet received my original payment and that I still owe them penalty fees. Comenity/JCrew is the worst of the worst. Needless to say, my credit score took a big hit. I have written them several times, and reported them to several consumer advocate agencies that deal with debt collection malpractices. I will NOT give up!
Comment
Chris C
@cscordry
1 Star Rating
J. Crew makes nice clothes, but Comenity Bank, which currently operates their credit card program, is horrible. They recently changed their billing policy from the one that I initially signed up for. They now charge you interest *every single day.* As a result of this, even when you pay your current balance you will still owe them money. Even if you only owe them a few dollars or cents, they will continue charging you interest on that money and if you miss a payment, they will charge you late fees on it, too. Their new billing policy is designed to screw customers and gouge you for extra money--even when you think you've paid your balance in full, that's actually impossible to do now without closing your account. Which is exactly what I just did, by the way. Look, read any basic personal finance book--they will tell you that retail store credit cards are are awful and they are correct. It's not worth for the small discount or points you get at J. Crew. As others have noted, you are better off getting a good flyer mile or cash back credit card and using that at the store.
Comment
2
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