J.Crew Credit vs. Instacart Mastercard®

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J.Crew Credit Card J.Crew Credit Card Instacart Mastercard® Card Instacart Mastercard® Card
8.0MyCreditCardLab Score

MyCreditCardLab Score 8.0

We'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
10
Intro APR
7.9
Regular APR
7.4
Rewards
8.2
Benefits
8
Welcome Bonus
8.4
Recommended Credit Score: 9
Foreign Transaction Fee: 10
Cash Advance Fee: 5.5
Balance Transfer Fee: 5.5
8.6MyCreditCardLab Score

MyCreditCardLab Score 8.6

We'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
10
Intro APR
6
Regular APR
7.6
Rewards
8.8
Benefits
8.5
Welcome Bonus
8.7
Recommended Credit Score: 9.5
Foreign Transaction Fee: 10
Cash Advance Fee: 9.3
Balance Transfer Fee: 7.8
ANNUAL FEE
$0 $0
INTRO APR
N/A No intro offer
REGULAR APR
30.24% Variable APR 20.24% - 28.99% Variable APR
PROS
  • Free shipping on all purchases
  • No membership fees
  • High rewards rate
  • 15% discount rewards bonus
  • No annual card fee
  • Free year of Instacart+ membership
  • $100 Instacart credit initial bonus
  • No foreign fee
  • Redeem cash back for any amount
  • Direct deposit or a statement credit
CONS
  • Spending caps on rewards
  • High regular APR
  • Instacart is not available in all areas.
  • You earn only 1% cash back on grocery purchases not made through Instacart.
  • Doesn’t offer a 0% introductory APR period
WELCOME BONUS
Get 15% off your first purchase the same day of account opening. Exclusions apply. Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
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.
 Instacart Mastercard® 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:
  • Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
  • Earn 5% cash back on Instacart app and Instacart.com purchases
  • Get 5% cash back on travel bought through the Chase Travel Center. This includes flights, hotels, and more.
  • Earn 2% cash back at restaurants, gas stations and on select streaming services
  • Earn 1% cash back on all other purchases
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. Instacart - It works on Instacart.com and the Instacart app. It applies to purchases on over 750 retailers. They deliver from more than 70,000 stores across 5,500 cities. No foreign transaction fees - You will pay no foreign transaction fees. This is when you use your card for purchases made outside the United States. Contactless Tap To Pay - For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more knowledge, please see www.chase.com/contactless Instacart+ benefits - Enjoy free delivery on all purchases over $35. 5% credit back on pickup Pay with Points - Use your cash back rewards to pay for all or part of your purchase in the Instacart app or on instacart.com. World Elite Mastercard benefits - These include access to Mastercard Priceless® Experiences and special offers from brands. You also get a free 24/7 concierge service.
CASH ADVANCE FEE / APR
N/A Either $10 or 5% of the amount of each transaction, whichever is greater.
BALANCE TRANSFER FEE
N/A 20.24% - 28.99% Variable APR
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
0% $0
BEST FOR
  • Online Shopping
  • Rewards Points Enthusiasts
  • Cash Back Seekers
  • Everyday Spending
  • Online Shopping
  • Foreign Travel
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