J.Crew Credit Card
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Chase Freedom Unlimited® 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 | 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers |
| REGULAR APR | |
| 30.24% Variable APR | Intro time end, 20.49% - 29.24% (V) APR after that |
| 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. | Get an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! |
| 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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Chase Freedom Unlimited® Card Rewards program provides exceptional flexibility in credit currency. Redeem your earnings across a wide range of options, 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. | Unique cash back rate boost - The Freedom Unlimited card's latest welcome offer is better than its normal one. It gives you a chance at up to $300 in cash back (1.5% on up to $20,000 spent in the first year). This is a $100 boost to the card's usual $200 offer. Travel - Travel and emergency assistance services can help if you have issues away from home. They provide legal and medical referrals and other help. Roadside Dispatch can help in a roadside emergency. It covers tows, jump starts, tyre changes, and lockout service. 0% intro rate for purchases and balance transfers - Chase Freedom Unlimited offers 0% APRs for new purchases. They also offer 0% APRs for balance transfers. This is for the first 15 months. The purchase part is fine. Just make sure to pay off your full balance before the high regular rates start. The only downsides are Chase Freedom Unlimited’s higher regular APR and its 3% balance transfer fee. The fee is for transfers in the first 60 days (5% after that). Purchase protection - If you buy an item with your Freedom Unlimited and it is stolen or damaged in the first 120 days, you can be reimbursed. You can get up to $500 per claim, with a max of $50,000 per account. Credit score & identity restoration services - Cardholders can use Chase Credit Journey to access their credit score at any time. They can also get no-cost identity restoration services. |
| CASH ADVANCE FEE / APR | |
| N/A | Either $10 or 5% of the amount of each transaction, whichever is greater. |
| BALANCE TRANSFER FEE | |
| N/A | Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| 0% | 3% in U.S. dollars |
| BEST FOR | |
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| More Details | More Details |
J.Crew Credit vs. Chase Freedom Unlimited®
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