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Saturday, October 24, 2026 Independent since 2026. We are not a lender.

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J.Crew Mastercard® from Synchrony: annual fee, APR and rewards

Fact sheet for the J.Crew Mastercard®, issued by Synchrony, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Synchrony
Network	Mastercard
Annual fee	$0
Rewards	Points: Cardmembers with NAVY Access earn 5% back in rewards while GOLD Access cardmembers earn 7.5% back in rewards at J.Crew and J.Crew Factory. With the J.Crew Mastercard you earn 2.5% back in rewards on gas & grocery store purchases and 1.25% on every other purchase where Mastercard is accepted.
Purchase APR	33.24%. This APR will vary with the market based on the Prime Rate.
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 33.62%, with a range of 33.49% to 33.74%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.

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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. jcrew.com/company/credit-card · synchrony.com/partner/jcrew · apply.syf.com/cs/groups/public/documents/et_tcd…

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