Best for
- Online Shopping
- Rewards Points Enthusiasts
Considerations
- Interest Rates
- Rewards Program (Cashback, Points, Miles)
- Reward Redemption Options
Pros
- Free shipping on all purchases
- No membership fees
- High rewards rate
- 15% discount rewards bonus
Cons
- Spending caps on rewards
- High regular APR
- 50+ Credit Cards Ranked
- 2000 Data Points Collected
- 10 Levels of Rank Checking
- 25+ Categories Considered
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See our full methodologyIn This Review
Review: J.Crew Credit Card
Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.
For more information see our credit card score explanation here.At Lootrs, we put each card to the score.
We score J.Crew Credit Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:
Credit Cards Review | Rating |
---|---|
Intro APR | Good |
Regular APR | Fair |
Annual Fee | Exceptional |
Welcome Bonus | Good |
Rewards | Good |
Benefits | Good |
Recommended Credit Score | Very Good |
Foreign Transaction Fee | Exceptional |
Cash Advance Fee | Poor |
Balance Transfer Fee | Poor |
Who can apply for J.Crew Credit Card?
We have categorized J.Crew Credit Card 4 main useful user criteria. it's applied using the Lootrs methodology.
J.Crew Credit Card Annual Fee
Card type: No Annual Fee Credit Cards
Issuer Name: Jcrew
No annual fee
Another plus is that the card does not have an annual fee. Balance transfer cards rarely charge an annual fee. Seeing "$0" is always a welcome sign.
Welcome Bonus
Get 15% off your first purchase the same day of account opening. Exclusions apply.
APRs: J.Crew Credit Card
Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.
The table below shows the types of each APR brief description for the J.Crew Credit Card.
Type of APR | Rating |
---|---|
Intro APR - N/A | 7.9/10Good |
Regular APR - 30.24% Variable APR | 7.4/10Fair |
Purchase - 30.24% Variable APR | 8.9/10Very Good |
Balance transfer - N/A | 5.5/10Poor |
Cash advance - N/A | 5.5/10Poor |
Penalty - No Penalty Fee | 10/10Exceptional |
J.Crew Credit Card Benefits
Certainly! Here's a table. It shows the benefits of the J.Crew Credit credit card:
Benefits | Score |
---|---|
Double points on cashmere Members in the specified tiers may receive bonus points on certain days. The points are based on your tier at the time of purchase. You will get one or two extra points per dollar spent. You will also get bonus points on cashmere purchases. The number of points is based on your tier at the time of purchase. It is one or two extra points per dollar spent. Bonus point offers will also have terms. They will be in the promotional offer. Cardholders earn 3 points per $1 in Navy access and 4 points per $1 in Gold access. |
8.4/10Good |
Free monogramming Offer is available to J.Crew Passport members that are in the Navy and Gold Access tiers. The discount is valid on full-price monogrammable J.Crew branded apparel and accessories. You can buy them in J.Crew stores, at jcrew.com, or with phone orders. Offer cannot be redeemed for cash. Personalized items cannot be exchanged or returned. Valid in the U.S. only. Terms of the offer are subject to change. |
8.1/10Good |
Our best birthday surprises Accounts that opened during their birthday month will get the offer in the next month. Account must not be in default. Offer will be received during the birthday month. |
9.4/10Very Good |
Exclusive Cardmember events Cardmembers-only priority customer service, invitations to private sales and events. |
8.6/10Very Good |
J.Crew Credit Card Rewards
J.Crew Credit Card Rewards program offers remarkable versatility in credit currency. Utilize your earnings across a diverse array of options, such as:
- For every dollar spent on the card, earn two points. For every $100 you spend, you will receive a $5 Rewards card.
- Spend $500 a year to upgrade to Navy Access, which earns three points for every dollar. Alternatively, a $1,000 annual upgrade to Gold Access earns four points for every dollar spent.
- Standard adjustments are free for in-store purchases.
- If you spend less than $499 a year, receive a $10 birthday gift. Spend $500 or more a year to receive a $15 gift, and spend $1,000 or more to receive a $20 gift.
- Shipping is always free on all orders.
Benefits | Green Access tier | Navy Access tier | Gold Access tier |
Customer Spend Required (Calendar Year) | Free to join | Spend $500+ | Spend $1,000+ |
Shipping (J.Crew.com Only) | Free standard | Free standard | Free expedited |
Birthday Offer | $10 offer | $15 offer | $20 offer |
Early Exclusive Access | • | • | • |
Points and Rewards | • | • | • |
Bonus Points for Cashmere | 2x | 3x | |
Bonus Points Days | 2x | 3x | |
Free Monogramming/Personalization |
• | • | |
Invitations to Special Events | • | • |
Recommended Credit Score
Credit Score : 690 - 850 (Fair - Exceptional)
We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.
For more information see our FICO Recommended credit score Rating explanation here.For the J.Crew Credit Card, applicants with credit scores between 690 (Fair) and 850 (Exceptional) are ideally suited. This range ensures eligibility for customized benefits and rewards that align with your credit profile. Apply now to unlock exclusive perks and elevate your credit card experience with us.
Compare The J.Crew Credit Card vs. Other Popular Cards
Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.
You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
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8.0MyCreditCardLab Score |
7.9MyCreditCardLab Score MyCreditCardLab Score 7.9We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
6.7MyCreditCardLab Score MyCreditCardLab Score 6.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
ANNUAL FEE | ||
$0 | $0 | ONE-TIME $0 |
INTRO APR | ||
N/A | N/A | N/A |
REGULAR APR | ||
30.24% Variable APR | 35.24% Variable APR | 29.99% - 35.9% Variable APR |
WELCOME BONUS | ||
Get 15% off your first purchase the same day of account opening. Exclusions apply. | Get $10 off your first card purchase when opening and using your Credit Card account. | No Welcome offer available |
REWARDS | ||
Earn 2 points for each dollar spent on the card. Receive a $5 Rewards card for every $100 you spend. | Earn 1 point per $1 spent | The Verve Mastercard® won’t offer lucrative rewards or lounge access. |
BENEFITS | ||
JCrew, Payment due date flexibility | Back to school, Winter holidays, Summer | All credit types welcome to apply |
CASH ADVANCE FEE / APR | ||
N/A / N/A | N/A / Not Allowed | 5% (min $10) / 29.99% - 35.90% |
BALANCE TRANSFER FEE | ||
Not Allowed | Not Allowed | Not available |
RECOMMENDED CREDIT SCORE | ||
690 - 850 (Fair - Exceptional) | 600 - 850 (Poor - Exceptional) | 400 - 629 (Very Poor - Poor) |
FOREIGN TRANSACTION FEE | ||
0% | $0 | 3% |
BEST FOR | ||
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More Details Compare | More Details Compare |
J.Crew Credit Card Login
Follow these easy steps:
Step 1. Go to the Login J.Crew Credit Card page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access J.Crew Credit Card Login then see forgot your username and password option.
Frequently Asked Questions (FAQs)
Still have questions? Check out some of the top FAQs on the J.Crew Credit credit card below and get the answers you're looking for.
This card is only accepted:
In J.Crew stores
In J.Crew Factory stores
On J.Crew.com
On J.Crew Factory's online store
The J.Crew Credit Card grace period is 25 days.