J.Jill Credit Card
Basic Information
Program ID: j-jill-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:29
Last Scraped: 01/15/2026 11:07
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
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: 2,124.00% - 2,924.00%
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: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25.00
Spending Requirement: $100.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Store Points
Base Reward Rate: 0.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x J.Jill Purchases
Point Value Estimate: 0.0500 cents/point
Expiration Policy: Points expire 12 months from earning. Issued rewards (e.g., $10 certificates) expire 90 days from issuance.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Any of Experian, TransUnion, Equifax
Issuer Rules
Rules: The J.Jill Credit Card, issued by BreadFinance, is a store-specific credit card. **Eligibility Requirements (2026):** 1. Applicants must be 18 years or older. 2. Must be a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). 3. Subject to BreadFinance's creditworthiness criteria, which includes a review of the applicant's credit history. 4. Applicants denied within the last 6 months may not be eligible to reapply. **Bonus Rule (2026):** New cardholders receive a 15% discount on their first J.Jill purchase made with the card within 30 days of account opening. Cardholders earn 5 points per $1 spent at J.Jill stores and jjill.com, and 1 point per $1 on all other eligible purchases. Points are redeemable for J.Jill rewards certificates. **Application Rules:** Limited to one J.Jill credit card account per customer.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: 30 days (for first purchase discount)
Shutdown Risk Triggers: Consistent late or missed payments, high credit utilization on the J.Jill card, excessive returns of merchandise purchased with the card, suspected fraudulent activity or abuse of the rewards program, bankruptcy filing.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Loyal J.Jill shoppers benefit from exclusive discounts, birthday offers, and a strong rewards rate (10% back) on J.Jill purchases, with no annual fee.
Top Negative Feedback:
High APR, rewards are limited to J.Jill only, frequent complaints about Comenity's customer service and online account management, and some users report unexpected credit limit reductions.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Kohl's Charge Card
- Target RedCard
- Capital One Platinum Secured Credit Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $175.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0