J.Crew Credit Card
Basic Information
Program ID: jcrew-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Proprietary
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 11:54
Last Scraped: 01/15/2026 11:56
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: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: N/A - No fixed-value sign-up bonus (e.g., spend $X, get Y points/cash) was identified on the official J.Crew Credit Card help page or general marketing that fits the specified model. Typical welcome offers for this card are percentage discounts on the first purchase, which do not map to a fixed decimal amount.
Rewards Program
Reward Type: J.Crew Rewards Points (Store Credit)
Base Reward Rate: 0.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x J.Crew, J.Crew Factory, and Madewell Purchases
Point Value Estimate: 0.0300 cents/point
Expiration Policy: Points expire 12 months after they are earned.
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 (Experian, TransUnion, Equifax)
Issuer Rules
Rules: Eligibility for the J.Crew Credit Card (Synchrony) in 2026 requires applicants to be at least 18 years old (19 in AL/NE), a US resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria, which typically requires fair to good credit. New cardholders can expect an initial discount (e.g., 15-20% off) on their first J.Crew purchase. Ongoing benefits include earning points per dollar spent at J.Crew and its associated brands, birthday rewards, and exclusive member offers. Rewards and benefits are primarily redeemable and earned within the J.Crew ecosystem.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: N/A for sign-up bonus (typically first purchase); ongoing rewards accrue per transaction.
Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive credit applications (especially with Synchrony) in a short period, missed payments or defaults on any Synchrony account, suspicious or fraudulent activity, abuse of return policies or promotional offers, and manufactured spending (though less common for store cards).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.9 / 5.0
Top Positive Feedback:
Card offers good discounts and perks for frequent J.Crew shoppers, including 15% off first purchase, free shipping, and birthday surprises. It's also relatively easy to get approved for those with fair credit, making it useful for building credit history.
Top Negative Feedback:
Common complaints include a very high APR (typical for store cards), limited utility as it can only be used at J.Crew, and occasional issues with Synchrony Bank's customer service.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Gap Credit Card (Synchrony)
- Old Navy Credit Card (Synchrony)
- Banana Republic Credit Card (Synchrony)
Card Value Score: 65.0 / 100
Est. Annual Rewards: $72.50
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0