THE CARDTUNED DATABASE
The J.Crew Credit Card
Issuer: Synchrony · Network: Varies
2 points per $1 at J.Crew/J.Crew Factory for Navy members and 3 points per $1 for Gold; Mastercard version earns 1 point/$1 on eligible gas and groceries and 1 point/$2 elsewhere; 200 points = $5 reward
- Annual fee
- $0
- Foreign transaction fee
- Varies by approved card version; see live application terms
- Intro APR
- No public introductory APR listed; verify the live application.
- Regular APR
- Variable purchase APR; exact current rate is disclosed in the live application and card agreement.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Extra 20% off the first eligible J.Crew or J.Crew Factory purchase when opening and using a new card
- Spending requirement
- First eligible purchase
- Time window
- First purchase with new card
Offer last checked: 2026-09-09
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 2 points | per $1 at J.Crew/J.Crew Factory for Navy members and 3 points per $1 for Gold |
| Eligible purchases | 200 points | = $5 reward |
Additional benefits
• Extra 20% off the first eligible purchase
• Navy members earn 2 points per $1 at J.Crew and J.Crew Factory
• Gold members earn 3 points per $1 at J.Crew and J.Crew Factory
• Mastercard earns 1 point per $1 on eligible gas and groceries
• Every 200 points converts to a $5 reward
Restrictions to know
Approval may be for the J.Crew private-label card or J.Crew Mastercard. Outside-brand acceptance and rewards apply only to Mastercard. Gas and grocery exclusions and merchant coding apply; rewards require an active linked J.Crew Passport account.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff