J.Jill Credit Card

BreadFinance Pending

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6

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: j-jill-credit-card

Issuer: BreadFinance

Card Name: J.Jill Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:29

Last Scraped: Feb 07, 2026 04:14

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Comenity Bank offers benefits under the Servicemembers Civil Relief Act (SCRA) for active duty Servicemembers and their dependents. Contact them at 1-800-251-2584 to learn more about these benefits.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
J.Jill Purchases 2x Points Net Eligible Purchases made with your J.Jill Credit Card at J.Jill stores, at jjill.com, or by phone. No Cap
All Other Purchases 1x Points Net Eligible Purchases made with your J.Jill Credit Card everywhere else Visa credit cards are accepted. No Cap
Rewards Summary
PENDING

Reward Type: Rewards Certificates

Base Rate: 0x

Bonus Rate: 0.1x

Categories: J.Jill purchases

Quarterly Rotating: No

Expiration Policy: Rewards Certificates expire 90 days from issuance.

Point Value: 0.05¢

Redemption Penalties: Minimum $10 certificate redemption. Certificates cannot be combined with other offers or discounts.

Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

The J.Jill Credit Card does not charge an annual fee.

Shopping 5
First Purchase Discount
15% off

Receive 15% off your first J.Jill Credit Card purchase.

Birthday Month Discount
20% off

Enjoy 20% off your entire purchase during your birthday month when using your J.Jill Credit Card.

Free Standard Shipping
Free standard shipping

Get free standard shipping on any purchase made with your J.Jill Credit Card.

Exclusive Cardmember Offers
Exclusive offers

Access special offers and promotions available only to J.Jill Credit Cardmembers.

Early Access to Sales and New Arrivals
Early access

Receive early access to sales events and new product arrivals.

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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If you do not pay the full amount by the end of the promotional period, interest will be charged from the purchase date.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Based on typical store card programs issued by BreadFinance (formerly Comenity) for 2026, the J.Jill credit card application eligibility requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and subject to a creditworthiness assessment by BreadFinance. The primary bonus rule is typically a one-time discount (e.g., 15-20% off) on the first J.Jill purchase made with the card. Ongoing rewards usually include earning a percentage back or points on J.Jill purchases, often with tiered benefits for higher annual spenders (e.g., free standard shipping, birthday offers, exclusive access).

Max Cards Per Issuer: 1

Min Spend Interval: N/A for traditional sign-up bonus; initial discount applies to first purchase. Ongoing rewards accrue with all eligible J.Jill purchases.

Shutdown Risk Triggers: Missed or late payments, high credit utilization across all credit lines, suspected fraudulent activity, excessive product returns (if rewards are tied to net purchases), violation of cardholder agreement terms and conditions, or significant adverse changes in credit profile.

Cliff Effect Rules: Not applicable. The J.Jill credit card is typically a standalone store-specific product and does not have complex 'card family' or 'once-per-lifetime' application rules common with general-purpose credit cards from other issuers.

Special Events: Exclusive cardholder-only sales events, double or triple points days on specific categories or dates, early access to new collections, and personalized offers throughout the year, particularly during seasonal promotions.

Holiday Promos: Enhanced rewards or special discounts during major retail holidays such as Black Friday, Cyber Monday, Valentine's Day, Mother's Day, Father's Day, and the entire winter holiday shopping season (November-December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Exclusive discounts and rewards for J.Jill purchases, easy application process for loyal customers, good for building credit.

Top Negative:
High APR, limited acceptance outside J.Jill stores, poor customer service from Comenity, frequent credit limit reductions, difficult to manage account online.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Credit Card
  • Gap Good Rewards Credit Card
  • Discover it Secured Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023