J.Crew Credit Card Review: Should You Get One?

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Quick take: The J.Crew credit card was designed to appeal to people who can comfortably pay off their bills every month and want to earn high rewards on purchases. However, keep in mind that you can only use your rewards at a J.Crew store, so the versatility of use for this card is quite limited.
  • Fees
  • Online Account Management
  • Versatility of Use
  • Rewards
How did we calculate this?


  • Access to a priority phone number is only available to cardholders
  • Member-only events
  • Special birthday surprises
  • No annual fee


  • Rewards can only be used at J.Crew
  • High APR (24.99%)

J.Crew Credit Card Overview

If you are a loyal J.Crew shopper, this credit card could come in handy for enjoying exclusive access to sales and earning rewards. The application process is also quick and simple.


The J.Crew credit card does not have an annual fee. Even better, you get 15% off your first purchase when you use the card.

Online Account Management

It is quite simple to manage your account and track transactions, and you can pay your bills online through the website. The online portal allows you to make payments 24 hours a day, seven days a week.

Your payment must be submitted by 6 p.m. on your due date, at the latest. If you are consistent with your payments, J.Crew lets you change your payment due day once a year.

Versatility of Use

This is where the J.Crew credit card falls short. You can only use your earned rewards at J.Crew stores. Your points cannot be redeemed for cash.

Rewards and Benefits

Speaking of rewards, you get two points for every dollar you spend. If you spend $100, you earn a $5 reward. On top of that, you also get exclusive access to in-store offers and sales.

Plus, cardholders enjoy free shipping throughout the year and can contact customer service through a members-only priority number. J.Crew also hosts members-only events and gives cardholders special surprises for their birthdays.

How Does the J.Crew Credit Card Compare to Competition?

If you want more flexibility of use, try the Chase Freedom Unlimited card, which offers a $250 bonus if you spend $500 in purchases within the first three months of opening your account.

Plus, you get 5% cash back on travel purchases via Chase Ultimate Rewards. The card also offers 3% cash back on dining and 3% on drugstore purchases.

How To Apply

The J.Crew credit card is issued by Comenity Bank, and you can apply for the card on the bank’s website. Make sure you review the terms and conditions beforehand.

Like most other store credit cards, you do not need to have an excellent credit score to get selected. It still helps to have at least a fair credit score, although J.Crew does not specify the approval requirements.

Who Is the J.Crew Credit Card Best For?

The J.Crew credit card is best for people who frequently shop at the store and do not mind the high APR. This is best if you plan to make payments in full each month.

If you want exclusive access to J.Crew’s sales and wish to get free shipping for all orders from the store, this card is right for you.

Final Take

The J.Crew credit card has its fair share of positive points, such as:

  • Exclusive access to sales
  • Priority phone number
  • Birthday surprises

But it falls short in terms of flexibility of use at places other than J.Crew.

If you only occasionally shop at the store, it is better to look for another card with a more versatile utility.


The J.Crew credit card also gets you free alterations and tailoring at the store. According to the company’s website, the tailoring services are limited to skirt or pant hemming and sleeve alterations. So, if you often get your J.Crew clothes altered, you might want to consider getting this card.

About the Author

Scott Jeffries is a seasoned technology professional based in Florida. He writes on the topics of business, technology, digital marketing and personal finance. After earning his bachelor’s in Management Information Systems with a minor in Business, Scott spent 15 years working in technology. He's helped startups to Fortune 100 companies bring software products to life. When he's not writing or building software, Scott can be found reading or spending time outside with his kids.

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