The J.Crew Credit Card Experience
You could start earning now. Get an extra 20% off your first purchase when you open and use your new card.1
Already a cardmember?
Log in to view your account details or keep scrolling to find out more about your benefits.
Earn J.Crew Passport points every time you shop2
On J.Crew & J.Crew Factory purchases:
7.5%
Back for J.Crew Passport GOLD members
(Equals 3 points per $1 spent)
5%
Back for J.Crew Passport NAVY members
(Equals 2 points per $1 spent)
For J.Crew Mastercard® members:
2.5%
Back on GAS & GROCERY STORE purchases
(Equals 1 point per $1 spent)
1.25%
Back on ALL other purchases
(Equals 1 point per $2 spent)
Cardmembers earn faster than anyone else...
As part of our J.Crew Passport Program, Cardmembers automatically skip the line from GREEN to NAVY Access and start earning 2 points per dollar spent.
Level up to GOLD Access when you spend $1000+ dollars annually at our stores,
and start earning 3 points per dollar spent.
Once you earn 200 points, you’ll receive a $5 reward, redeemable in stores and
online.
Use the slider below to see how reward earnings for purchases at J.Crew & J.Crew Factory compare across the board.
J.Crew Passport
Members earn 1x:
200 Points
($5
in rewards)
J.Crew Credit Cardmembers
with NAVY access earn 2x:
Points
($
in rewards)
J.Crew Credit Cardmembers
with GOLD access earn 3x:
600 Points
($15
in rewards)
The benefits breakdown2
A breakdown of some benefits offered for the J.Crew Credit Card and J.Crew Mastercard®
Available with GOLD Access
Available with NAVY Access
Everyday Benefits
J.Crew
Credit Card
J.Crew MasterCard®
20% off first-purchase discount1
•
•
Instant NAVY Access for J.Crew Passport
•
•
Earn points on purchases at J.Crew & J.Crew Factory
7.5% Back
5% Back
7.5% Back
5% Back
Earn points on gas & grocery store purchases
2.5% Back
Earn points on everything else
1.25% Back
$25 birthday gift
•
•
Free standard shipping at J.Crew & J.Crew Factory
•
•
Free standard alterations
•
•
More ways we make shopping easy...
No annual fee3
All the rewards, plus no annual fee.
Additional card for
authorized users4
Have a family member that loves J.Crew too? Add them to your account!
Online account
management & bill pay
It’s easy, efficient and secure.
Open an account
and start earning today!
FAQ
What is J.Crew Passport?
FAQ
What are the benefits of a J.Crew Credit Card or J.Crew Mastercard?
Earn rewards when you shop at J.Crew or J.Crew Factory. Cardmembers with NAVY Access earn 5% back in rewards while GOLD Access Cardmembers earn 7.5% back in rewards.
With the J.Crew Mastercard you earn 2.5% back in rewards on gas and grocery store purchases and 1.25% on every other purchase where Mastercard is accepted.
The J.Crew Credit Card and J.Crew Mastercard have no annual fee.3
Where can I use the J.Crew Credit Card and J.Crew Mastercard?
How do I apply for a J.Crew Credit Card?
2. Complete the application form.
3. If you are approved instantly, your temporary account number will be provided. With this number, you can shop on your card in stores or online at our brands, and it is valid for 15 days.
4. Your new credit card will be sent to you in the mail within the next 7–10 business days.
If you are not approved instantly, it may take up to 10 days to learn more about your application status via mail or email.
As a Cardmember, how do I log in to my online account?
1Subject to credit approval. Valid for one-time use only and can
only be combined with one other offer in a single transaction. Excludes phone
orders, charitable products, third-party branded merchandise, Madewell styles,
gift cards, taxes and shipping. Your new credit card must be used as sole
payment type. Discount cannot be applied to previous purchases or redeemed for
cash. For in store, discount must be used at store location on day approved.
For online, discount code will be provided upon approval and can be used in
store or online.
2Purchases subject to credit approval. See the J.Crew Passport
Membership Program Terms for details and restrictions.
3For New Accounts: Variable Purchase APR is 31.24%. Minimum
Interest Charge is $2. APR is accurate as of 4/1/24 and will vary with the
market based on Prime Rate (as defined in the credit card agreement).
4The Primary Cardholder will be liable for all purchases made on
the Account, including those made by an authorized user.
The J.Crew Mastercard is issued by Synchrony Bank pursuant to license by
Mastercard International Incorporated. Mastercard and the circle design are
registered trademarks of Mastercard International Incorporated.
