Can I use my J.Crew Credit Card anywhere?
9
UpvotesReply
Adrian Christensen
No, you cannot use your J.Crew Credit Card anywhere. This card is only accepted:
J.Crew Credit Card
J.Crew Credit Card
Info about J.Crew Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
RewardsAPRReviewsQ&AContactRewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
Get 15% off your first purchase the same day of account opening. Exclusions apply.
Earn 2 point for each dollar spent on the card. Receive a $5 Rewards card for every $100 you spend.
Free standard alterations on in-store purchases.
A special birthday surprise.
Free shipping on all purchases.
APR on Purchases
29.49% (V)
Balance Transfer
Balance Transfers Not Allowed
WalletHub Review
by John Kiernan
March 30th, 2023
J.Crew Credit Card Pros & Cons
No membership fees
High rewards rate
15% discount initial rewards bonus
Qualify with fair credit
High regular APR
J.Crew Credit Card's Additional Info
| cash advance fee | N/A |
| cash advance APR | N/A |
| foreign transaction fee | N/A |
| smart chip | No |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Cardmembers-only priority customer service, invitations to private sales and events.
Additional cards for authorized users (you get rewarded when they spend).
Questions & Answers
Can't find what you are looking for? Submit your question about J.Crew Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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How long is the J.Crew Credit Card grace period?
7
UpvotesReply
Syd Jones
The J.Crew Credit Card grace period is 25 days.
You will benefit from this grace period as long as you pay your bill in full every month. When you miss a payment, pay late or don't make your full minimum payment, you may lose your grace period. To regain...
Is this credit card good for purchases elsewhere?
2
UpvotesReply
What can I do if I lost my J.Crew Credit Card?
1
UpvoteReply
Jason Miles
If you lost your J.Crew Credit Card, you should immediately call customer service at (888) 428-8810. The issuer will request some security information in order to verify your identity before sending a replacement.
How to Report a Lost J.Crew Credit Card
- Call customer service at ...
Does the J.Crew Credit Card do a hard pull?
0
UpvotesReply
John Miller
Yes, the J.Crew Credit Card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but only for a short period of time. The hard inquiry allows the issuer to determine your...
How old do you have to be to open up a credit card?
0
UpvotesReply
Steve Rockwell
On your own, 18. If you're shy of that, you could ask your parents to add you as an authorized user.
Compare The J.Crew Credit Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APR0% for 12 billing cycles|Transfer Fee: $0
Transfer Intro APRNot Offered
Regular APR29.49% (V)
Regular APR12.75% - 18.00% (V)
Regular APR17.99% or 29.49% (Variable)
Rewards Rate2 points / $1
Rewards Rate1 - 2 points / $1
Rewards Rate1 - 5% Cash Back
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J.Crew Credit Card Reviews
Share your insights and review the J.Crew Credit Card
2.9
68 reviews
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1 Star Rating
Verified CustomerExceptional service and traditional clothing. Fabulous designs and styles that are not trendy but much more conservative. Always provides alternative
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1 Star Rating
Verified CustomerI have never been late with this card. I did not receive a statement for months, and this slipped through the crack. No notice was given that I had an outstanding balance, as I thought its payment was made. Not only did they ding my credit, they lowered my credit limit, making my credit score plummet almost 100 points! Not a nice way to treat a loyal customer without any history of late or missed payments!
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1 Star Rating
Awful. I rarely use this card because its a pain to use, I have it to take advantage of j crew sale prices for card members. I paid my bill in full, was charged a late fee. I just called to close the card I've had for 10+ years because its just not worth it. They won't waive the incorrect late fee. I closed the card today, they are telling (on the same call) that I closed it 4 months ago. They are so disorganized. Not sure why I'm paying a late fee for their poorly run system.
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5 Star Rating
Verified CustomerBeen & j crew customer since I could walk I think. Great styles their sales are terrific. Plus they carry my size which is either 0 0 or 0 which is hard to find I love j crew
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1 Star Rating
Don’t waste your time with Comenity Bank, they are awful. Hopefully Jcrew will drop them.
They reduced my limit to $250 for an account I had for 15 years because I paid late a few times, but always paid the balance in full, I have a credit score over 800 and make 6 figures. They are a joke!
They reduced my limit to $250 for an account I had for 15 years because I paid late a few times, but always paid the balance in full, I have a credit score over 800 and make 6 figures. They are a joke!
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1 Star Rating
Verified CustomerJ Crew Credit Card is run by Comenity Bank, the most appalling pseudo bank that victimizes unsuspecting consumers through unfair debt collection practices and incorrect reporting to Credit bureaus. I paid my statement balance on time and in full using online bill pay. They claimed they never received my payment. So my credit union put a stop payment on the first attempt I made and issued a replacement check. That check was received by Comenity/JCrew and was cashed by them. However JCrew/Comenity continues to bill me with penalty and fees way over the original balance owed. I refuse to pay them. I filed a dispute case on the amount. Comenity continues to assert that they have not yet received my original payment and that I still owe them penalty fees. Comenity/JCrew is the worst of the worst. Needless to say, my credit score took a big hit. I have written them several times, and reported them to several consumer advocate agencies that deal with debt collection malpractices. I will NOT give up!
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1 Star Rating
J. Crew makes nice clothes, but Comenity Bank, which currently operates their credit card program, is horrible. They recently changed their billing policy from the one that I initially signed up for. They now charge you interest *every single day.* As a result of this, even when you pay your current balance you will still owe them money. Even if you only owe them a few dollars or cents, they will continue charging you interest on that money and if you miss a payment, they will charge you late fees on it, too. Their new billing policy is designed to screw customers and gouge you for extra money--even when you think you've paid your balance in full, that's actually impossible to do now without closing your account. Which is exactly what I just did, by the way. Look, read any basic personal finance book--they will tell you that retail store credit cards are are awful and they are correct. It's not worth for the small discount or points you get at J. Crew. As others have noted, you are better off getting a good flyer mile or cash back credit card and using that at the store.
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5 Star Rating
Verified CustomerJCrew is a great company with great customer service. I recommend this company to anyone that loves to dress in business casual...
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1 Star Rating
Verified CustomerTHE INTEREST RATE ON THIS CARD IS INSANE, 29.9%! HENCE WHY I CAN'T GET THIS PAID OFF - INCLUDING THIS COVID NIGHTMARE AND BEING LAID OFF.
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2 Star Rating
Verified CustomerEasy to use with special sales and exclusive products. Customer service is helpful and easily accessed. Run by Coventy group. I don’t carry balance bc rates high.
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Review J.Crew Credit Card
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Offer last updated: Mar 30th, 2023 at 10:40 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
0% for 12 billing cycles $0 Transfer Fee
REGULAR APR
12.75% - 18.00% (V)
ANNUAL FEE
$0
REWARDS RATE
1 - 2 points / $1
BONUS OFFER
20,000 points
MINIMUM CREDIT