J.Crew Credit Card Review

The loyal customers of the J. Crew stores experience various benefits with the acquisition of the credit card of J. Crew. The card is issued directly from the Community Bank, the retailer being a partner allows the customers numerous offers and discounts to frequent J. Crew shoppers. However, the credit card stands compatible to be used in all stores of J. Crew, even in J. Crew factory and J. Crew Mercantile even applicable in an online transaction in jcrew.com or jcrewfactory.com. The customers avail numerous benefit definitely makes J. Crew their favorite outlet for shopping. For all the cardholders, they are provided with $25 reward on every $500 spent added to an annual birthday gift. Further, you get 1 point for every 1 dollar of your purchase. Besides this, the new customer using the credit card for the first time gets a 15% off on the very first purchase. Added to that, each customer who avails the benefits of the credit card gets free alterations of the clothing if needed. Needless to mention that, card holders of J. Crew are welcomed to avail different private events and definitely an early awareness of new stocks in the shop. Moreover, there are no such added fees that are required to hold the card.

The credit card of J. crew remains limited to the store itself. In other words, the credit card can be used in J. crew stores only and not anywhere else. Moreover, the points acquired in the card dissolves in 12 months. This means if you seem to buy any product today, the points acquired will get disappear within 12 months, or the next year. You are not supposed to enjoy the benefit unless you have shopped enough in a year to earn $25 reward gift. Another disadvantage that remains to cling on is the interest rate of the J. Crew credit card. Use of this credit card is often not suggested if you have balance existing in your card due to exceeding interest rate.