Our illustration, not the card’s design
Synchrony credit card
J Crew Mastercard
No annual fee. Purchase APR 33.49–33.74%, variable.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Receipt · Credit askedChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢; rewards spendable only with J.Crew Passport: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; rewards spendable only with J.Crew Passport: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢; rewards spendable only with J.Crew Passport: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢; rewards spendable only with J.Crew Passport: not counted (brand_rewards).
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$755 a year
- CareCredit MastercardSynchrony · No annual fee+$710 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$695 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
J.Crew Passport
How you earn
- 3×
- J.Crew & J.Crew Factory purchases at J.Crew Stores or Websites, Gold Access tier: 3 points per dollar spent (equals 7.5% back)
- 2×
- J.Crew & J.Crew Factory purchases at J.Crew Stores or Websites, Navy Access tier: 2 points per dollar spent (equals 5% back)
- 1×
- Gas purchases made with the J.Crew Mastercard outside J.Crew Stores or Websites: 1 point per $1 spent (equals 2.5% back on gas & grocery store purchases)Grocery store purchases made with the J.Crew Mastercard outside J.Crew Stores or Websites: 1 point per $1 spent (equals 2.5% back on gas & grocery store purchases)
- 0.5×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
Benefits
- Instant NAVY Access for J.Crew Passport members
- Free standard shipping on jcrew.com for J.Crew Passport members; free expedited shipping for Gold Access tier members
- Free standard shipping at J.Crew Factory for J.Crew Cardmembers only
- Birthday offer for J.Crew Cardmembers: $25 at Navy Access tier; $25 offer at Gold Access tier
- Free standard alterations at J.Crew Stores for J.Crew Cardmembers (pant and skirt hemming and sleeve alterations on full-price merchandise purchased with the J.Crew Card; not leather, suede, beaded fabrics, or J.Crew Factory merchandise)
All 6 benefits
- Bonus Points on cashmere sweaters and wraps at J.Crew Stores or Websites for cardmembers: one incremental point per $1 at Navy tier, two at Gold tier (not cashmere accessories or blends)
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3%. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- What is the purchase APR?
- 33.49–33.74% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026