J.Crew Credit Card

BreadFinance Pending

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8

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: j-crew-credit-card

Issuer: BreadFinance

Card Name: J.Crew Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:41

Last Scraped: Feb 06, 2026 18:26

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents, including a 36% Military Annual Percentage Rate (MAPR) cap on the cost of credit, encompassing various fees and premiums.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
J.Crew Purchases 2x Points Purchases made at J.Crew and J.Crew Factory stores. No Cap
All Other Purchases 1x Points All eligible purchases outside of J.Crew and J.Crew Factory stores. No Cap
Rewards Summary
PENDING

Reward Type: Points

Bonus Rate: 2x

Categories: J.Crew, J.Crew Factory, Madewell

Quarterly Rotating: No

Expiration Policy: Points expire 12 months from the date they are earned. J.Crew Rewards (Notes) expire 90 days from issuance.

Point Value: 0.05¢

Redemption Penalties: J.Crew Rewards (Notes) are issued in $10 increments. Minimum redemption is 200 points for a $10 Reward. Rewards cannot be used for gift cards, shipping, or taxes. Rewards expire 90 days from issuance.

Benefits & Protections (Detailed) 8 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

The J.Crew Credit Card does not charge an annual fee for card membership.

Lifestyle 2
Birthday Surprise
Varies

Receive a special surprise or offer during your birthday month.

Access to Special Events
Event access

Gain access to exclusive cardmember special events.

Shopping 5
J.Crew & J.Crew Factory Rewards Earning
2 points per $1 spent

Earn 2 points for every $1 spent on purchases at J.Crew and J.Crew Factory stores and websites.

Everywhere Else Rewards Earning
1 point per $1 spent

Earn 1 point for every $1 spent on purchases everywhere else Visa is accepted.

Free Standard Shipping
Free standard shipping

Receive free standard shipping on purchases made at jcrew.com and jcrewfactory.com.

Exclusive Cardmember Offers
Varies by offer

Access to special, exclusive offers available only to J.Crew Credit Cardmembers.

Early Access to Sales
Early access

Get early access to J.Crew and J.Crew Factory sales events before the general public.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months. Minimum monthly payments required. See below for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: For 2026, the J.Crew Credit Card, issued by BreadFinance, offers new cardmembers a 20% discount on their first J.Crew purchase made within 30 days of account opening, plus 2X points on all J.Crew purchases for the first 90 days, up to a maximum of 5,000 bonus points. Eligibility requirements include being 18 years or older, a U.S. resident, possessing a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting BreadFinance's creditworthiness criteria. Applications are primarily online and subject to credit approval.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all BreadFinance accounts, excessive returns or unusual purchasing patterns at J.Crew, late payments or defaults on any BreadFinance-issued card, suspected fraudulent activity, abuse of promotional offers.

Cliff Effect Rules: BreadFinance assesses total credit exposure across all accounts. While there isn't a strict 'card family' rule like major banks, approval for new J.Crew cards or credit limit increases may be impacted by the number and total credit limits of other active BreadFinance-issued cards.

Special Events: Exclusive cardmember-only sales events, double/triple points days on specific categories or dates, early access to new collections, and birthday rewards.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season (Nov-Dec), New Year's Sales (Jan), Mother's Day (May), Father's Day (Jun), Back-to-School (Aug), Memorial Day (May), Labor Day (Sep).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Exclusive discounts and rewards for J.Crew purchases, initial sign-up bonus, and relatively easy approval for store loyalty.

Top Negative:
High annual percentage rate (APR), limited value outside J.Crew stores, and frequent complaints about Comenity Bank customer service.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Gap Credit Card
  • Old Navy Credit Card
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $125.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0