14
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| J.Crew & J.Crew Factory Purchases | 2x | Points | Purchases made at J.Crew and J.Crew Factory stores or online. | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Visa is accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Rewards
Base Rate: 1x
Bonus Rate: 2x
Categories: J.Crew, J.Crew Factory, and Madewell purchases
Quarterly Rotating: No
Expiration Policy: Points expire 12 months from the date they are earned.
Point Value: 0.01¢
Redemption Penalties: Rewards are issued in $10 increments for every 1000 points earned. Reward certificates expire 90 days from issuance.
Benefits & Protections (Detailed) 14 Total
PENDINGFinancial 1
No Annual Fee
$0The J.Crew Credit Card does not charge an annual fee.
Lifestyle 3
Birthday Surprise
Special surpriseJ.Crew Credit Card holders receive a special surprise during their birthday month as part of the Enthusiast tier of the J.Crew Passport program.
Free Basic Alterations
FreeJ.Crew Credit Card holders receive free basic alterations on J.Crew-brand items as part of the Enthusiast tier of the J.Crew Passport program.
Special Access to Events
Special accessJ.Crew Credit Card holders receive special access to events as part of the Enthusiast tier of the J.Crew Passport program.
Shopping 9
Accelerated Points Earning at J.Crew
2 points per $1Earn 2 points for every $1 spent on purchases at J.Crew and J.Crew Factory stores and websites when using your J.Crew Credit Card.
Standard Points Earning
1 point per $1Earn 1 point for every $1 spent on purchases made everywhere else Visa credit cards are accepted.
Rewards Redemption
$10 reward for 200 pointsAutomatically receive a $10 reward certificate for every 200 points accumulated. Rewards can be used towards J.Crew and J.Crew Factory purchases.
First Purchase Discount
20% offGet 20% off your first purchase made with your new J.Crew Credit Card on the day you open the account.
Free Standard Shipping
FreeJ.Crew Credit Card holders automatically receive free standard shipping on all purchases made on jcrew.com and jcrewfactory.com as part of the Enthusiast tier of the J.Crew Passport program.
Early Access to Sales and New Arrivals
Early accessJ.Crew Credit Card holders receive early access to sales events and new product arrivals as part of the Enthusiast tier of the J.Crew Passport program.
Exclusive Cardmember Offers
Exclusive offersJ.Crew Credit Card holders receive exclusive promotional offers as part of the Enthusiast tier of the J.Crew Passport program.
Free Returns
FreeJ.Crew Credit Card holders receive free returns on purchases made on jcrew.com and jcrewfactory.com as part of the Enthusiast tier of the J.Crew Passport program.
Double Points Days
Double pointsJ.Crew Credit Card holders are eligible for special double points earning days as part of the Enthusiast tier of the J.Crew Passport program.
Status Benefits 1
Accelerated Icon Tier Earning
Reach Icon tier at $1,000 spendJ.Crew Credit Card holders can reach the Icon tier of the J.Crew Passport program by spending $1,000+ in a calendar year. Cardholders automatically start at the Enthusiast tier.
Benefits Summary (Flags)
PENDINGExtended 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
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the J.Crew Credit Card (Synchrony) eligibility requires applicants to be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to creditworthiness, typically requiring fair to good credit, though Synchrony may approve with lower scores for store-specific cards. New cardholders receive a 15-20% discount on their first J.Crew or J.Crew Factory purchase made with the card within 30 days of account opening. Cardholders earn 2-5 points per dollar spent at J.Crew and J.Crew Factory, with points converting to J.Crew Rewards certificates. Applications are primarily online or in-store; Synchrony typically performs a soft pull initially, followed by a hard pull upon approval.
Max Cards Per Issuer: 7
Min Spend Interval: N/A (First purchase discount applies immediately; annual spend for tier benefits)
Cliff Effect Rules: Synchrony does not have strict 'family' rules like Chase's 5/24. However, approvals for new Synchrony cards and credit limit increases are heavily influenced by the applicant's total credit exposure with Synchrony across all their brands. Reaching a certain internal credit limit threshold with Synchrony can make it difficult to open new accounts or increase limits on existing ones, regardless of individual card performance.
Special Events: Exclusive early access to sales and new collections; double or triple points days on specific categories or during promotional periods; birthday rewards (e.g., a special discount or bonus points); free standard shipping on all J.Crew and J.Crew Factory purchases; cardholder-only discounts and personalized offers.
Holiday Promos: Black Friday / Cyber Monday week; Post-Christmas / New Year's sales; seasonal collection launches (Spring, Summer, Fall, Winter); major U.S. holidays (e.g., Memorial Day, 4th of July, Labor Day) with associated sales; Friends & Family events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Users appreciate the card for its loyalty benefits like birthday discounts and free shipping, especially for frequent J.Crew shoppers, and find it a good option for building credit.
Top Negative:
Common complaints include a high APR, limited reward value outside of J.Crew, and occasional issues with Synchrony's customer service or point expiration.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Gap Visa Credit Card
- Old Navy Visa Credit Card
- Discover it Cash Back
Card Value Score: 55.0 / 100
Est. Annual Rewards: $90.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0