J. Crew Credit Card Review | Credit Shout
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J. Crew Credit Card Review

By Taryn Estrada / March 19, 2010

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Verdict: Even though J. Crew is anything but a traditional retail store, their credit card is a standard retail store credit card with a high APR and limited rewards program. I highly recommend avoiding this card and instead going with a cash back card from Discover or American Express.

If you are looking to save on apparel purchases, I recommend the Discover More Card over the J. Crew credit card because you can earn 5% back on appeal at ANY store, as well as 5% back on everyday purchases such as gas and home improvement.

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Overview: The J. Crew credit card is offered by World Financial Network National Bank. This card allows you to earn rewards by shopping online at J. Crew.

How this card works: By using your J. Crew card while shopping online at J. Crew you earn a gift card for every $500 you spend. This is a fairly straightforward retail card that offers no other benefits than a very limited rewards program.

Fees: This card has no annual fee. There is a $1 fee for every paper statement, so I recommend opting to receive electronic statements and avoiding the $12 a year in unnecessary fees.

Rewards: After getting approved for this card you get 20% off your first purchase with your J. Crew card. You then earn a $25 gift card for every $500 you spend. This comes out to earning 5% back, which is what you can earn with cash back cards that aren’t store specific, meaning you can rack up points and each cash back much more quickly than with a store specific card like this one.


  • No Annual Fee.
  • Cardholders get a priority phone number to call when ordering.


  • High APR.
  • Weak Rewards Program.
  • Very few additional perks or members benefits other than the rewards program.
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Editorial Discloser: Opinions expressed here are authors alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.