J.Crew Credit Card Review 2022: Should You Get One?

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4.0
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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
    4.5
  • Online Account Management
    4.5
  • Versatility of Use
    3.0
  • Rewards
    4.0
How did we calculate this?

Pros

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

Cons

  • Rewards can only be used at J.Crew
  • High APR

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.

Fees

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 5 p.m. ET on your due date, at the latest.

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

The J.Crew credit card also has the following valuable rewards and benefits for J.Crew Passport members:

  • 15% discount on first J.Crew purchase
  • 2 points per $1
  • $5 reward for each $100 spent
  • Exclusive access to in-store offers and sales
  • Free shipping throughout the year
  • Free standard alterations for in-store J.Crew credit card purchases
  • Access to members-only priority customer service
  • Access to members-only events
  • Special birthday surprises

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 pay your balance 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.

Advice

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.

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.

Cynthia Measom contributed to the reporting for this article.

Information is accurate as of Oct. 28, 2022.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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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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