J.Crew Credit Account Application

Step 1: Application

Credit Card

Reasons you'll love your J.Crew Card:

  • 15% off your first purchase**
  • Free shipping on all purchases***
  • $10 J.Crew Reward every $200 you spend*
  • Special birthday surprise
  • Complimentary personal shopping and styling services
  • Free standard alterations on in-store purchases****

*,**,***,****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

To open an account, you must have a street, rural route, or APO/ FPO mailing address, and at least one mobile or alternate phone number. 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.

Add Authorized Buyer

Authorized buyers are allowed to purchase on your Account; however, as the primary account holder, you are responsible for payments on all purchases.

You may add one authorized buyer to your account at this time. Once your account is open, you may add up to four total authorized buyers.

Add an Authorized Buyer to your account?

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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The J.Crew Credit Card account

The J.Crew Credit Card

The J.Crew Credit Card is a great way to earn J.Crew Rewards* even faster and pay for all of your purchases online, from the catalog, or in our stores. There's no annual fee++, and it's easy to use. 

Apply for the J.Crew credit card today. The application process is easy and takes only a few minutes. Once you are approved* and have received your account information, you can begin enjoying all the benefits of your J.Crew credit card account.

Reasons you'll love your J.Crew Card

  • 15% off your first purchase**
  • Free shipping on all purchases***
  • $10 J.Crew Reward every $200 you spend*
  • A special birthday surprise
  • Complimentary personal shopping and styling services.
  • Complimentary standard alterations on your in-store purchases.****
  • Cardmembers-only priority customer service.

And it couldn't be easier to use

  • Valid in stores and at jcrew.com and jcrewfactory.com.
  • Additional cards for authorized users (you get rewarded when they spend).
  • Forgot your card? No problem. We'll look you up at the register (or you can save your info online.)+
  • Pay your bill online or in stores- whatever suits you.

*The J.Crew Rewards Program is provided by J.Crew and the terms of this program may change at any time. J.Crew Credit Cardholders must have a J.Crew Rewards account to earn 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 at jcrew.com and jcrewfactory.com. Offer not valid in stores or on phone orders. 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. 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. 

+If you have provided your driver's license to aid in our collection of your information, we are collecting information from your driver's license and we will be looking up your account and/or processing an application for credit, based on the information we obtain. 

++Standard variable APR of 26.99% for J.Crew Credit Card, based on the Prime Rate. Minimum interest charge is $1.00 per credit plan.


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 11/18/2018: 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.


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.

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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