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

See if you prequalify

Get a decision in seconds with no impact 
to your credit score.

Get started

Apply now

It’s time to elevate your shopping experience.

Apply now

Already a cardmember?

Log in to view your account details or keep scrolling 
to find out more about your benefits.

Earn J.Crew Passport rewards
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.

Spend
$200
$200
$1000

J.Crew Passport
Members earn 1x:

200 Points
($5 in rewards)

J.Crew Credit Cardmembers
with NAVY access earn 2x:

400 Points
($10 in rewards)

J.Crew Credit Cardmembers
with GOLD access earn 3x:

600 Points
($15 in rewards)

The benefits breakdown

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!

See if you prequalify

Apply now

See if you prequalify
Apply now

FAQ


What is J.Crew Passport?

J.Crew Passport is our free U.S. loyalty program with more benefits, more access and more ways to level up. It's like the first-class treatment, for shopping! Find the complete program details, along with the Terms and Conditions, here.

What is J.Crew Passport?
J.Crew Passport is our free U.S. loyalty program with more benefits, more access and more ways to level up. It's like the first-class treatment, for shopping! Find the complete program details, along with the Terms and Conditions, here.

What is J.Crew Passport?
J.Crew Passport is our free U.S. loyalty program with more benefits, more access and more ways to level up. It's like the first-class treatment, for shopping! Find the complete program details, along with the Terms and Conditions, here.

What is J.Crew Passport?
J.Crew Passport is our free U.S. loyalty program with more benefits, more access and more ways to level up. It's like the first-class treatment, for shopping! Find the complete program details, along with the Terms and Conditions, here.

What is J.Crew Passport?
J.Crew Passport is our free U.S. loyalty program with more benefits, more access and more ways to level up. It's like the first-class treatment, for shopping! Find the complete program details, along with the Terms and Conditions, here.

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?

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The J.Crew Credit Card and J.Crew Mastercard can be used to make purchases at J.Crew and J.Crew Factory stores or websites. Additionally, the J.Crew Mastercard can be used anywhere a Mastercard is accepted.

How do I apply for a J.Crew Credit Card?

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1. To apply, click the Apply Now button above. You can always apply in person and at J.Crew or J.Crew Factory stores.​

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?

+
When you receive your new card in the mail and have your account number, visit jcrew.syf.com and click Register. Enter the required information and create a username and password. You can access your online account any time by logging in at jcrew.syf.com or in the J.Crew app (click Account → J.Crew Credit Card)​.

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.

3New Accounts as of 04/01/2024: Variable Purchase APR 31.24%. Min Interest Charge $2. J.Crew Mastercard: Variable Cash APR 32.24% and 5% Fee ($10 min). Foreign Trans Fee 3%.

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.