J.Crew Credit Account Application

Step 1: Application

Credit Card
It's good to be a Cardmember!

Shop with your J.Crew Credit Card as a J.Crew Rewards member to enjoy all these benefits:

  • Extra 15% off your first purchase**
  • Double points on every purchase (so you earn TWICE as fast)* 
  • $5 reward every time you spend $100* 
  • Free standard shipping (24/7, 365 days a year)***
  • Free standard alterations on in-store purchases****
  • A special birthday surprise*****
  • Exclusive access to sales and offers
  • And so much more!


    *,**,***,****See All Benefits

    View Rewards Terms & Conditions

    Your Personal Information


    -Select One-

    Why do you need my Social Security number?

    We use this information to verify your identity and obtain credit bureau information.

    Why do you need my income?

    In order to comply with federal law, and to determine factors such as your credit limit, we consider your ability to meet the payment obligations associated with this account. Your income information is part of that consideration.

    If you do not wish to have alimony, child support and/or separate maintenance income considered as a basis for repaying this obligation, please do not include it in your Annual Income amount. Married WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial information.

    Contact Information

    PO Box mailing addresses are not accepted.
    -Select One-

    By providing your contact information, including any mobile or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, as well as calls made via automatic telephone dialing systems or via email.

    Enter Referral Code

    If you received a referral code with your credit card offer, please enter it now. Your code may include up to 10 characters (including letters and numbers) and is not case sensitive.
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    Cancel Application

    You are about to cancel your application. Are you sure you want to cancel? This action cannot be undone.

    Yes, Cancel Continue With Application

    Cancel Application

    By clicking "Cancel", this form will not be submitted and you will return to http://www.jcrew.com

    No, continue Application

    Cancel Acceptance

    By clicking "Cancel", this form will not be submitted and you will return to http://www.jcrew.com

    No, continue Acceptance

    Warning!

    Your session is about to expire. If you would like to extend your session please choose "Continue Session" or click "End Session" to end your session.

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    The J.Crew Credit Card account

    The J.Crew Credit Card


    The J.Crew Credit Card is a great way to make the most of J.Crew Rewards!* Use your J.Crew Credit Card as a J.Crew Rewards member to earn double points on all your purchases. So you get a $5 reward for every $100 spent (aka 200 points earned TWICE AS FAST!)* Apply for the J.Crew credit card and get an extra 15% off today**. The application process is easy and takes only a few minutes!


    Reasons you'll love your J.Crew Card

    • 15% off your first purchase**
    • Double points on every purchase (so you earn TWICE as fast)*
    • $5 reward every time you spend $100*
    • Free standard shipping (24/7, 365 days a year)***
    • Free standard alterations on in-store purchases****
    • A special birthday surprise*****
    • Exclusive access to sales and offers
    • Cardmembers-only priority customer service
    • And so much more!

    *The J.Crew Rewards Program is provided by J.Crew and its terms may change at any time. J.Crew Credit Cardholders must have a J.Crew Rewards account to earn points and rewards for purchases. J.Crew Rewards cannot be applied to previous purchase and they cannot be used as payment on the J.Crew Credit Card account. Subject to full terms and conditions of the J.Crew Rewards Program. For details visit https://www.jcrew.com/loyalty_terms_conditions.jsp. 

    **Offer valid on your first purchase made after opening a new J.Crew Credit Card. Purchase must be completed with your J.Crew Credit Card. One-time use only. Offer valid in J.Crew Factory or J.Crew stores and at jcrewfactory.com or jcrew.com. Offer cannot be applied to previous purchases or the purchase of gift cards and cannot be redeemed for cash or used in combination with any other offer. Exclusions apply; see a store associate or the Details box in the top banner at jcrewfactory.com or jcrew.com for an up-to-date list of exclusions. Offer valid in the U.S. only. Terms of offer are subject to change. Subject to credit approval. 

    ***Free shipping and handling valid on purchases made using a J.Crew Credit Card or purchases made by J.Crew Reward Member on phone orders or at jcrew.com and jcrewfactory.com. Offer not valid in stores. Offer cannot be applied to previous purchases and cannot be redeemed for cash. Free shipping and handling automatically applied at checkout when using a J.Crew Credit Card or when signed into your J.Crew Reward Account. Offer is valid on orders shipping to the continental U.S. and U.S. P.O. Boxes via standard shipping (3 to 5 business days). Return requests must be made in accordance with our return policy. Terms are subject to change. 

    ****In-store tailoring valid on full-price merchandise purchased with a J.Crew credit card only. Services limited to pant and skirt hemming and sleeve alterations. Offer not valid on leather, suede or beaded fabrics or on J.Crew Factory merchandise. Offer cannot be redeemed for cash. Tailored items may not be returned or exchanged. Terms of offer are subject to change. 

    *****Must have a valid birthday on file with Comenity Bank. Account must show activity within prior 12 months.

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    Credit Card Reward Terms and Conditions

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    Important Information About Your Credit Report.

    What is a credit report?  A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.

    How did we use your credit report?  We used information from your credit report to set the terms of the credit we are offering you, such as the Annual Percentage Rate. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.

    What if there are mistakes in your credit report?  You have a right to dispute any inaccurate information in your credit report. 

    If you find mistakes on your credit report, contact the consumer reporting agency listed below, which is the agency from which we obtained your credit report. It is a good idea to check your credit report regularly to make sure the information it contains is accurate.

    How can you obtain a copy of your credit report?  Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact:

    How can you get more information about credit reports? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at www.federalreserve.gov or the Federal Trade Commission's web site at www.ftc.gov.


    What you should know about credit scores. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how your credit history changes.


    Your credit score as of 09/23/2019: 0


     

    We used your credit score to set the terms of credit we are offering you. In the scoring system we used, scores can range from 479 to the best possible score, 898. Please be aware, there are a number of different credit scoring systems available, and each uses a different range of numbers.


    Here are the most significant factors in determining your score:

    If you have questions about the factors impacting your credit score, we encourage you to contact the consumer reporting agency listed in this letter.

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    Your Temporary Account

    Credit Card
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    Name: Temporary Account Number: CVC/CVV: Expires On: Temporary Credit Limit: $0 Please sign here:
    This temporary card is not valid until signed.
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    Know how to use your temporary account

    You may use your Temporary Shopping Pass as if it were your actual credit card with the following restrictions - once any of the limitations below are met, your temporary account number will no longer be valid for use:

    • You may use this Temporary Shopping Pass for up to
    • A single transaction cannot exceed $0.00
    • You may use the Temporary Shopping Pass for up to 0 transactions
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