J.Crew Credit Card
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Bank of America® Customized Cash Rewards Card
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8.0MyCreditCardLab Score
MyCreditCardLab Score 8.0We'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. |
8.7MyCreditCardLab Score
MyCreditCardLab Score 8.7We'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 |
| INTRO APR | |
| N/A | and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. |
| REGULAR APR | |
| 30.24% Variable APR | 18.24% - 28.24% Variable APR on purchases |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| Get 15% off your first purchase the same day of account opening. Exclusions apply. | $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. |
| REWARDS | |
J.Crew Credit Card Rewards program offers remarkable versatility in credit currency. Utilize your earnings across a diverse array of options, such as:
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Bank of America® Customized Cash Rewards Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
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| BENEFITS | |
| 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. 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. 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. Exclusive Cardmember events - Cardmembers-only priority customer service, invitations to private sales and events. | Cash Back Rewards - Earn 3% cash back on everyday purchases. You get bonuses for gas. You also get them for shopping online, dining, travel, drug stores, and home improvements. No Annual Fee - Enjoy the card's benefits. You won't pay an annual fee. This makes it a cost-effective choice for student cardholders. Flexible Redemption - Redeem cash back rewards as a statement credit, deposit into a Bank of America® checking or savings account, or use it for purchases. Introductory Offer - Enjoy a $200 online cash rewards bonus after spending $1,000 in the first 90 days, providing a rewarding start. Category Spend Limit - Benefit from a combined spend limit of $2,500 on 2% and 3% categories each quarter, maximizing rewards potential. |
| CASH ADVANCE FEE / APR | |
| N/A | For Direct Deposit and Check Cash Advances, you'll incur a $10 fee or 3% of the transaction amount. You pay whichever is greater. The fee for ATM, Over-the-Counter, Same-Day Online, and Cash Equivalent Cash Advances is $10 or 5% of the transaction amount. It's whichever is greater. Overdraft Protection Cash Advances come with a $12 fee per transaction. |
| BALANCE TRANSFER FEE | |
| N/A | 3% intro APR on Balance Transfers for 2 months, and then 4% |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| 0% | 3% |
| BEST FOR | |
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| More Details | More Details |
J.Crew Credit vs. Bank of America® Customized Cash Rewards
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