J.Crew Credit vs. SoFi Credit

Easily compare up to three credit cards side by side with our intuitive comparison tool. Assess features, offers, and more to find the best fit for your financial needs.

J.Crew Credit Card J.Crew Credit Card SoFi Credit Card SoFi Credit 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
8.5MyCreditCardLab Score

MyCreditCardLab Score 8.5

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
Regular APR
7.3
Rewards
9
Benefits
9
Welcome Bonus
6
Recommended Credit Score: 9.1
Foreign Transaction Fee: 10
Cash Advance Fee: 8.6
Balance Transfer Fee: 8.8
ANNUAL FEE
$0 $0
INTRO APR
N/A N/A
REGULAR APR
30.24% Variable APR 20.24 percent to 29.99 percent (variable)
PROS
  • Free shipping on all purchases
  • No membership fees
  • High rewards rate
  • 15% discount rewards bonus
  • No membership fees
  • Cell phone insurance
  • No foreign transaction fee
  • Excellent rewards rewards rate when redeemed into an eligible SoFi account
CONS
  • Spending caps on rewards
  • High regular APR
  • No initial rewards bonus
  • No intro APR on purchases
  • No intro APR on balance transfers
  • Must redeem rewards into an eligible SoFi account for best value
WELCOME BONUS
Get 15% off your first purchase the same day of account opening. Exclusions apply. None
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.
 SoFi Credit Card Rewards program offers remarkable versatility in credit currency. Utilize your earnings across a diverse array of options, such as:
  • Earn 2 points on all eligible purchases. You can redeem them for 2% cash back. Use it for investing, saving, or paying an eligible loan with SoFi. Or, you can use it as a statement credit.*
  • You earn 3 points per $1 spent. You get them when you use your SoFi Credit Card to book trips through the new SoFi Travel, powered by Expedia.
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. Free cellphone insurance - Receive up to $1,000 of coverage when you pay your cellphone bill with your SoFi card. ID theft protection - World Elite Mastercard benefits - It has Mastercard World Elite benefits. These include cellphone protection. And, they come with savings for Lyft, DoorDash and more. No foreign transaction fees - Save 2% to 3% on foreign transactions, it might be the best fit for consumers who make regular purchases outside the U.S. This card might be good for consumers. They want a business credit card with simple rewards and no annual fee. Sofi balance transfer - The basics of balance transfer credit cards are simple. First, you must open a new card with lower or no interest. Then, you’ll move your credit card balance from the high-interest card to the new one. Once the transfer goes through, you’ll start paying down the balance on your new card.
CASH ADVANCE FEE / APR
N/A Either $10 or 5% of the amount of each transfer, whichever is greater
BALANCE TRANSFER FEE
N/A APR: 17.99% to 29.99% variable based on creditworthiness and the Prime Rate, Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 670 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
0% 0%
BEST FOR
  • Online Shopping
  • Rewards Points Enthusiasts
  • Cash Back Seekers
  • Students
  • Hotel Stays
  • Foreign Travel
More Details More Details

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