J. Crew Credit Card Review

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.

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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