J.Crew Credit Card
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Citi Simplicity® 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. |
9.0MyCreditCardLab Score
MyCreditCardLab Score 9.0We'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. |
| 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 21 months on qualifying balance transfers |
| REGULAR APR | |
| 30.24% Variable APR | 19.24% - 29.99% Variable APR |
| 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. | 0% intro APR for 21 months on balance transfers and purchases from date 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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Citi Simplicity® 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. | Flexible payment due date - Cardholders are able to choose a payment due date that works best for them. No penalty APR - You won’t be assessed a penalty APR if you’re late on a payment. 21 month-APR offer on balance transfers - The 21-month offer on balance transfers is one of the longest intro APR offers. They have not paid interest for nearly two years. This gives cardholders the chance to make a serious dent in their debt. 12 month-APR offer on purchases - If you need to pay for purchases over time, you won't have to pay interest on them for a full year. However, there are cards with longer intro APR periods on purchases. Fewer fees - The Citi Simplicity doesn’t charge an annual fee or late fees. It does, however, charge a balance transfer fee and cash advance fee. |
| CASH ADVANCE FEE / APR | |
| N/A | 29.99% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater |
| BALANCE TRANSFER FEE | |
| N/A | 19.24% - 29.99% variable, 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that |
| 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. Citi Simplicity®
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