Jcrew Credit Card Review 2024: Is It Worth the Hype?

J.Crew is a popular international clothing brand and retailer that sells everything from fashion clothing to casual clothing, jewelry, swimwear and accessories. Like many of its competitors, J.Crew offers its own Jcrew Credit Card to reward its loyal customers.

J.crew Credit Card is a co-branded credit card that rewards it’s loyal customers with points discounts and other exclusive benefits. The card offers a lot of benefits to its frequent shoppers and casual customers.

If you are a J.Crew loyalist. then you may find this credit card tempting for its shopping towards, because the card offers some serious discounts and rewards on J.Crew stores. You can earn up to 15% off on your first purchase.

If you are interested in this credit card and want to know all its benefits and features, then keep reading on.

Comenity Bank J Crew Credit Card Review

The J.Crew Credit Card is a store card issued by the Comenity Bank, one of the top providers of merchant branded credit cards. You can apply online through Comenity’s official website or in-store visit. Generally, store cards are easier to qualify than other traditional card. You easily get approval for fair to good credit.

Cardholders earn $5 rewads every time you spend $100 with other benefits like free shipping and annual birthday gifts. But, the card high annual APR of 30.24% can be deal breaker for many people.

Jcrew Credit Card Highlights

Annual Fee$0
Regular APR30.24% (variable)
Rewards $5 reward every time you spend $100
Credit NeededFair/Good

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Jcrew Credit Card Key Benefits

  • The card has no annual fee.
  • Cardholders earn 15% discount on your first J.Crew Credit Card purchase on the same day of account opening.
  • You earn double points on every purchase.
  • You earn $5 reward evey time you spend $100.
  • Enjoy free standard sheeping at factory.jcrew.com (24/7, 365 days a year).
  • Get special bithday gifts with purchase on your J.Crew Credit Card.
  • You get exclusive access to sales and offers.
  • Cardmembers get priority customer service with the Jcrew Credit Card.
Jcrew Credit Card Key Benefits

Jcrew Credit Card Reward Earning

  • Carholders earn 15% discount on their first purchase the same day of account opening.
  • Earn 2 points per $1 spent on the card, and receive a $5 reward for every $100 you spend with the card.
  • If you upgrade to Navy Access, you will get $500/year and earn 3 points per dollar spent. With the Gold Access, earn $1,000/year and earn 4 points per dollar spent.
  • You will get $10 as a birthday gift for spending $499/year, $15 birthday gift for spending $500/year and $20 birthday gift for spending $1,000/year.

Rates & Fees of Jcrew Credit Card

Annual Fee$0
Regular Purchase APR30.24% (variable)
Balance Transfer APRNone
Returned Payment Fee up to $25
Late Payment Fee up to $40
No Interest Grace Period for Late Payment25 days

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Pros & Cons of Jcrew Credit Card

  • The card no annual fee.
  • Earn $5 rewards every time you spend $100.
  • Get 15% off on your first purchase.
  • Special birthday and anniversary gifts.
  • Free shipping for cardholders.
  • High annual APR.
  • No sign-up bonus.
  • Can be used only at Jcrew stores.

Eligibility Criteria for Jcrew Credit Card

If you are interested in this card, then Comenity will look for the following eligibility criteria:

  • You must be 18 year old.
  • Government registered ID card.
  • Financial details like your Tax ID number (SIN or SSN number).
  • Your address details.

J Crew Credit Card Login & Registration

If you want to know J.Crew Credit Card login and registration process, then follow these steps:

J Crew Credit Card Login & Registration
J Crew Credit Card Login & Registration
  • Visit the official website of Comenity Capital Bank J.Crew Credit Card.
  • Now, click on “Register for Access.”
  • Fill out the application form that appears on the screen.
  • Enter details like account number, ZIP code, identification number, or SSN number.
  • Create a username and passoword to login for your account.
  • Now, finish the registration process by verifying your verification email sent to your registered email ID.
  • Now, you can login and check your details and status.

How to Apply for J Crew Credit Card Online?

If you’re interested in this card then follow the below steps to apply for the card online:

  • Click on “Apply Now” and fill out the application.
  • Privide your personal information such as your Social Security Number, mobile number, ZIP code, address, and annual income.
  • Check the information and submit the application.

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Should you Get the Jcrew Credit Card?

The J.Crew Credit Card benefits are worthy for loyal customers of Jcrew frequent shoppers. If you spend a lot at J Crew stores, then this card could be beneficial for you. Otherwise, you will get limited to use this card.

However, the card offers generous rewards at Jcrew stores, but the high annual APR of 30.24% can cost extra money if you can’t make payment in full. If you want a store card with low annual APR, than look for another card.

Comparison With Other Credit Cards

J.Crew Credit CardCapital One Walmart Rewards® Mastercard®First Tech Choice Rewards World Mastercard®
Annual Fee$0$0$0
Rehular APR30.24% (variable)18.99% – 29.99% (Variable)13.50% – 18.00% variable
Reward Rate2 points per $11-2 points per $11-5% cash back
Bonus Offer15% discount on first purchaseNone20,000 points

J Crew Credit Card Customer Service

If you need any helo regarding the J.Crew Crerdit Card, then you can contact to the customer care service:

  • Customer Care: 1-888-428-8810

Jcrew Credit Card Related FAQs

What is the annual fee of J Crew Credit Card?

The J.Crew Credit Card has $0 annual fee.

Is it difficult to get J Crew Credit Card?

Like all other store credit cards, J.Crew Credit Card requires at least fair to good credit for approval. The card has no annual fee. But, the APR of card is on higher side.

What is the annual APR of J.Crew Credit Card?

The regular annual APR of J.Crew Credit Card is 30.24% which is higher than most of the store cards.

Is the Jcrew Credit Card worth?

The J.Crew Credit Card benefits are worthy for loyal customers of Jcrew frequent shoppers. If you spend a lot at J Crew stores, then this card could be beneficial for you. Otherwise, you will get limited to use this card.

Which Bank issues the J Crew Credit Card?

The J Crew Credit Card is issued by the Comenity Bank.

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