J.Crew Credit Card
Basic Information
Program ID: j-crew-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: N/A
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:41
Last Scraped: 01/15/2026 10:12
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,924.00% - 3,324.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,424.00%
Sign-Up Bonus
Bonus Amount: $25.00
Spending Requirement: $250.00
Time Period: 90 days
Bonus Timing: Statement credit will be applied to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Store Credit / Discounts
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x J.Crew Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after issuance or upon account closure, whichever comes first.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies
Issuer Rules
Rules: Eligibility for the J.Crew Credit Card (BreadFinance) in 2026 requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and subject to credit approval (typically requiring fair to good credit). New cardholders generally receive an initial bonus, such as a percentage discount (e.g., 15-20%) off their first J.Crew purchase. Ongoing rewards typically include earning points per dollar spent at J.Crew (e.g., 2x or 3x points) which convert to rewards certificates. Application rules usually limit new applications for the same product to once every 6 months. BreadFinance may also limit approvals based on the applicant's total credit exposure across all their issued products.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Immediate (for initial discount) or 90 days (for spend-based bonuses, if applicable)
Shutdown Risk Triggers: Manufactured spending (less common for store cards but still a risk), excessive credit seeking (numerous applications across BreadFinance or other issuers in a short period), high cumulative credit limit across all BreadFinance accounts relative to income, defaulting on other credit obligations, suspicious or fraudulent activity, and abuse of return policies or rewards redemptions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Good for J.Crew loyalists, offers exclusive discounts and rewards, relatively easy to get approved for those with fair credit.
Top Negative Feedback:
High APR, limited utility outside J.Crew, customer service issues reported with Comenity, rewards can be restrictive.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Gap Credit Card
- Amazon Store Card
- Target RedCard
Card Value Score: 60.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 70% Store / 30% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0