Comenity BankJ.Crew Credit CardRegistry illustration · issuer artwork unavailable

J.Crew Credit CardComenity Bank · NM bank, DE · FDIC 27499

CurrentLast observed Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

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Balance transfer

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Cash advance APR

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Annual fee

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Foreign fee

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Grace period

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Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	up to $41Comenity Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $41”Comenity Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 13
Returned payment	—	no source read

J.Crew Credit Card - Current Credit Card Agreementspage 2 of 19

Note: Your J.Crew Credit Card account is issued by Comenity Bank. Review our Financial Privacy Policy and Online Privacy Policy for more information. California Residents: Submit a Data Request Form to make a Do Not Sell or Share My Personal Information request.

Rate and Fee Summary

I MPORTANT NOTICE: I f you opened this account via telephone, review the enclosed Credit Card Agreement for the terms of your new account. If you do not want to accept these terms: Contact the Bank at 1-866-236-8098 (TDD/TTY: 1-800-695-1788) within 25 days of the date of application;

Your account will be closed; and

You will need to make arrangements with the merchant to pay for purchases or return goods at no cost t o you.

This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the J.

This right to reject only applies to customers that opened their accounts via telephone. Crew Credit Card Account . Read it and keep it.

I n t e r e s t R a t e s a n d I n t e r e s t

Charges

Annual Percentage Rate (APR) for Purchases · 30.24% This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest · Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases i f you pay your entire balance by the due date each month. I f you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row. Minimum Interest Charge · I f you are charged interest, the charge will be no less than $1. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnm ore . Fees Annual Fee · None Penalty Fees · Up to $41

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19Pages 2 and 13 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Comenity Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 13
“Up to $41”
Read exact source ↗
Comenity Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“I f you are charged interest, the charge will be no less than $1.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Late payment fee

Offered through: Comenity Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 27499
Branches: 1 in DE
Sources: Official issuer · 1 document · 2 pages cited

Documents

J.Crew Credit Card - Current Credit Card Agreementseffective date not parsed

J.Crew Credit CardComenity Bank · NM bank, DE · FDIC 27499

Rates and fees