The J Crew Credit Card is a department store credit card that can only be use in J Crew stores on or on the J Crew website. J Crew is a store that is well known for their high prices and quality merchandise for men, women and kids. Because of the high price tag that comes with purchase J Crew merchandise, many people prefer to pay with a credit card that allows them to get more right now and pay later.
A department store credit card, however, typically has far less to offer than a Visa, MasterCard, AMEX or Discover. Cards such as the J Crew one are even more limited because you are restricted not only to their store, but to their brand as well. Compare this with other credit card options now!
Before you make a decision about getting a J Crew Credit Card, however, read on a bit and see the pros and cons of choosing this card.
J Crew Credit Card Benefits
One of the biggest benefits to choose the J Crew Credit Card is that you can purchase clothing in their store and earn rewards towards future purchases. For every $500 you spend, you will receive a $25 gift card for J Crew merchandise.
Another benefit to choosing this retail credit card is that, because it is a department store card, it is easier to get approval for it even if you have less than perfect credit.
Just like a traditional credit card, the J Crew supporting bank, WFNNB, reports your standing to the major credit card reporting agencies. This means that using this card may lead to a better credit score. However, a department store card doesn’t hold as much positive weight as a major credit card does.
J Crew Credit Card Considerations
A major consideration needs to be the interest rate that J Crew charges on all of your purchases. The starting interest rate is 24.99% and may increase if you are late on a payment or if your payment method doesn’t clear.
In addition, the rewards credit card program isn’t the best that you could hope for. There are many rewards cards that offer better rewards programs that you should really consider.
J Crew Credit Card Alternatives
Instead of trying for a department store credit card, use our credit card chaser tool and compare credit cards that fit your needs!