J.Crew Credit Card Review

Aedam Jo Written by
JCrew Credit Card
7.99/10 MyCreditCardLab Score
J.Crew Credit Card Rating & Score with Credit Cards System

Objective testing of credit cards involves conducting systematic evaluations based on predefined criteria to assess their features, benefits, fees, and overall value proposition.

For more information see our credit card score explanation here.
7.9

Intro APR

Intro APR credit cards offer a temporary period with low to no interest rates on purchases or balance transfers. They provide a financial break before regular rates apply.

For more information see our Intro APR score explanation here.
N/A
7.4

Regular APR

The APR is the ongoing interest rate for balances on credit cards. This is after any intro or promo periods end. It affects the long-term cost of borrowing.

For more information see our Regular APR score explanation here.
30.24% Variable APR
10

Annual Fee

Annual fee credit cards require a yearly payment for membership. They offer enhanced rewards, benefits, and services in exchange for the fee. They cater to individuals seeking premium perks.

For more information see our Annual fee score explanation here.
$0
8.4

Welcome Bonus

Welcome bonus credit cards offer a one-time reward. This could be bonus points, cashback, or statement credits. You get the reward by meeting spending goals. You must do so within a set time after opening the account. The rewards entice new cardholders with immediate benefits.

For more information see our Welcome bonus score explanation here.
Get 15% off your first purchase the same day of account opening. Exclusions apply.
8.2

Rewards

Credit card rewards programs let cardholders earn points, miles, or cashback on purchases. They can redeem these rewards for things like travel, merchandise, gift cards, or credits. This gives extra value for using the card.

For more information see our rewards programs score explanation here.
Earn 2 points for each dollar spent on the card. Receive a $5 Rewards card for every $100 you spend.
8

Benefits

Credit card benefits include perks and features from card issuers. They include travel insurance, purchase protection, and extended warranties. You also get airport lounge access and concierge services. They add value and usefulness for cardholders.

For more information see our benefits score explanation here.
JCrew, Payment due date flexibility
9

Recommended Credit Score

The recommended credit score is the minimum score recommended by the card issuer. It's for potential cardholders to qualify for a specific credit card. Meeting or beating this score boosts the chance of approval. It also gives access to the card's benefits and features.

For more information see our Recommended credit score Rating explanation here.
690 - 850 (Fair - Exceptional)
10

Foreign Transaction Fee

Card issuers impose foreign transaction fees. They apply to transactions in a foreign currency or with a foreign merchant. The fees are usually 1% to 3% of the transaction amount. They may apply to purchases, withdrawals, or transfers made in a foreign currency. This raises the cost of international transactions.

For more information see our foreign transaction fees score explanation here.
0%
5.5

Cash Advance Fee

Each time you use your credit card for a cash advance or ATM withdrawal, the bank applies a 'Cash Advance Fee'.

For example, a Cash Advance Fee of "3% (min $10)" means the fee will be 3% of the cash advance amount, with a minimum charge of $10.

For more information see our cash advance fee score explanation here.
N/A
5.5

Balance Transfer Fee

A balance transfer fee may apply when you transfer a balance from 'Credit Card A' to 'Credit Card B'.

This fee is imposed by the credit card that gets your transferred balance. In this case, that card is 'Credit Card B.' 'Credit Card A' never charges a fee.

For more information see our balance transfer fees score explanation here.
N/A
How we rating & score here.

Best for

Discover the best credit card for your needs. Are you a student, rewards enthusiast, or cash back lover? Find the perfect fit with our thorough reviews and comparisons.
  • Online Shopping
  • Rewards Points Enthusiasts

Considerations

Consider key factors when choosing a credit card. These include interest rates, fees, rewards programs, and more. Make an informed decision to find the right card for your financial needs.
  • Interest Rates
  • Rewards Program (Cashback, Points, Miles)
  • Reward Redemption Options

Pros

Using a credit card has many pros. These include convenience, rewards, and building credit. They also include purchase protection and fraud security. You also get access to emergency funds and introductory offers. They help with budgeting and spending tracking. They also offer travel benefits and cash flow management. Plus, rental car insurance, extended warranties, and price protection. And online shopping security and opportunities for financial discipline.
  • Free shipping on all purchases
  • No membership fees
  • High rewards rate
  • 15% discount rewards bonus

Cons

Using a credit card has cons. These include potential overspending, high interest rates, and fees such as annual fees and late payment fees. It can also hurt your credit score if used irresponsibly. Using a credit card can tempt you to carry a balance and incur interest charges. It also risks identity theft and fraud. It can lead to debt and reliance on credit for financial needs. And, it has limits on rewards and benefits compared to other forms of payment.
  • Spending caps on rewards
  • High regular APR
Why Trust MyCreditCardLab Review
  • 50+ Credit Cards Ranked
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At MyCreditCardLab, we value your trust above all else. We earn it with careful, fair analysis. We are fully transparent. We stick to strict editorial standards and independence. Your confidence in our content is our top priority.

See our full methodology

In This Review

Reviews Annual Fee Welcome Bonus Rewards Benefits Comparisons APR Credit Score needed FAQs
8.0

Review: J.Crew Credit Card

Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.

For more information see our credit card score explanation here.

At MyCreditCardLab, we put each card to the score.

We score J.Crew Credit Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:

Credit Cards Review Rating
Intro APR Good
Regular APR Fair
Annual Fee Exceptional
Welcome Bonus Good
Rewards Good
Benefits Good
Recommended Credit Score Very Good
Foreign Transaction Fee Exceptional
Cash Advance Fee Poor
Balance Transfer Fee Poor

Who can apply for J.Crew Credit Card?

We have categorized J.Crew Credit Card 4 main useful user criteria. it's applied using the MyCreditCardcLab methodology.

10

J.Crew Credit Card Annual Fee

Card type: No Annual Fee Credit Cards

Issuer Name: Jcrew

No annual fee

Another plus is that the card does not have an annual fee. Balance transfer cards rarely charge an annual fee. Seeing "$0" is always a welcome sign.

8.4

Welcome Bonus

Get 15% off your first purchase the same day of account opening. Exclusions apply.

7.9

APRs: J.Crew Credit Card

Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.

The table below shows the types of each APR brief description for the J.Crew Credit Card.

Type of APR Rating
Intro APR - N/A 7.9/10Good
Regular APR - 30.24% Variable APR 7.4/10Fair
Purchase - 30.24% Variable APR 8.9/10Very Good
Balance transfer - N/A 5.5/10Poor
Cash advance - N/A 5.5/10Poor
Penalty - No Penalty Fee 10/10Exceptional
8

J.Crew Credit Card Benefits

Discover the many benefits of our credit cards. They include cash back and travel perks, as well as purchase protection and fraud prevention. Explore our cards today and unlock a world of convenience and value.

Certainly! Here's a table. It shows the benefits of the J.Crew Credit credit card:

Benefits Score
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.

 8.4/10Good
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.

 8.1/10Good
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.

 9.4/10Very Good
Exclusive Cardmember events

Cardmembers-only priority customer service, invitations to private sales and events.

 8.6/10Very Good
8.2

J.Crew Credit Card 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.
Benefits Green Access tier Navy Access tier Gold Access tier
Customer Spend Required (Calendar Year) Free to join Spend $500+ Spend $1,000+
Shipping (J.Crew.com Only) Free standard Free standard Free expedited
Birthday Offer $10 offer $15 offer $20 offer
Early Exclusive Access • • •
Points and Rewards • • •
Bonus Points for Cashmere 2x 3x
Bonus Points Days 2x 3x
Free
Monogramming/Personalization		 • •
Invitations to Special Events • •
Pro Tip
You can get free basic changes at J.Crew store locations with the J.Crew Credit Card. The value of this will vary. It depends on how often and how much you get your clothes customised. However, it's a considerate gesture nonetheless.
9

Recommended Credit Score

Credit Score : 690 - 850 (Fair - Exceptional)

We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.

For more information see our FICO Recommended credit score Rating explanation here.

For the J.Crew Credit Card, applicants with credit scores between 690 (Fair) and 850 (Exceptional) are ideally suited. This range ensures eligibility for customized benefits and rewards that align with your credit profile. Apply now to unlock exclusive perks and elevate your credit card experience with us.

Compare The J.Crew Credit Card vs. Other Popular Cards

Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.

You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
J.Crew Credit Card J.Crew Credit Card Famous Footwear Credit Card Famous Footwear Credit Card Verve Credit Card Verve Credit Card
8.0MyCreditCardLab
Score 		7.9MyCreditCardLab
Score

MyCreditCardLab Score 7.9

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
Rewards
9
Benefits
8.8
Welcome Bonus
7.8
Recommended Credit Score: 9.3
Foreign Transaction Fee: 10
Cash Advance Fee: 5
Balance Transfer Fee: 5
6.7MyCreditCardLab
Score

MyCreditCardLab Score 6.7

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
7.9
Intro APR
6
Regular APR
7.3
Rewards
5
Benefits
7.3
Welcome Bonus
5.5
Recommended Credit Score: 6.2
Foreign Transaction Fee: 7
Cash Advance Fee: 8
Balance Transfer Fee: 6.5
ANNUAL FEE
$0 $0 ONE-TIME $0
INTRO APR
N/A N/A N/A
REGULAR APR
30.24% Variable APR 35.24% Variable APR 29.99% - 35.9% Variable APR
WELCOME BONUS
Get 15% off your first purchase the same day of account opening. Exclusions apply. Get $10 off your first card purchase when opening and using your Credit Card account. No Welcome offer available
REWARDS
Earn 2 points for each dollar spent on the card. Receive a $5 Rewards card for every $100 you spend. Earn 1 point per $1 spent The Verve Mastercard® won’t offer lucrative rewards or lounge access.
BENEFITS
JCrew, Payment due date flexibility Back to school, Winter holidays, Summer All credit types welcome to apply
CASH ADVANCE FEE / APR
N/A / N/A N/A / Not Allowed 5% (min $10) / 29.99% - 35.90%
BALANCE TRANSFER FEE
Not Allowed Not Allowed Not available
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 600 - 850 (Poor - Exceptional) 400 - 629 (Very Poor - Poor)
FOREIGN TRANSACTION FEE
0% $0 3%
BEST FOR
  • Online Shopping
  • Rewards Points Enthusiasts
  • Students
  • Health and Wellness
  • Sports and Fitness
  • Students
  • Bad Credit
  • U.S. Supermarket Spending
More Details Compare More Details Compare

J.Crew Credit Card U.S. Trends

The numbers represent search interest relative to the chart's highest point. They are for the given region and time. A value of 100 is the peak popularity for the term. A value of 50 means the term is half as popular. A score of 0 indicates insufficient data for this term.

See the latest trends in U.S. J.Crew Credit credit card usage. They are from the past 12 months and based on Google Trends data. Learn about consumer preferences, popular card features, and new industry trends. This will help you stay ahead in the changing credit card market.

J.Crew Credit Card U.S. Trends by City

J.Crew Credit Card Login

Follow these easy steps:

Step 1. Go to the Login J.Crew Credit Card page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access J.Crew Credit Card Login then see forgot your username and password option.

Frequently Asked Questions (FAQs)

Still have questions? Check out some of the top FAQs on the J.Crew Credit credit card below and get the answers you're looking for.

Where Can I use my J.Crew Credit Card?

This card is only accepted:

In J.Crew stores
In J.Crew Factory stores
On J.Crew.com
On J.Crew Factory's online store

What is the J.Crew Credit Card grace period?

The J.Crew Credit Card grace period is 25 days.

About Aedam Jo

Aedam Jo is the Founder and Editor-in-Chief of MyCreditCardLab.com. Khunt has scored over 50+ Credit Cards himself. He has also written hundreds of reviews about their benefits, rewards, and fees. You may want cash-back rewards, travel perks, or low APRs. Aedam Jo Credit Card Reviews is here to guide you. We'll guide you through the complex world of credit cards clearly and confidently.

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See the offer terms and conditions on the issuer's website for full details. You can check the issuer the terms and restrictions of the offer before applying the information gathered here. We just display an overview of the legal conditions; thus, before applying, make sure you are aware of the entire terms as provided by the issuer.

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