Rewards · Other · No annual fee
Last verified 2026-09-09. Review issuer source
Comenity J.Crew is a no-annual-fee points card from Comenity. It earns 0x on purchases, which puts it behind most rewards cards; you hold it for the account itself, not the rewards.
On our reference budget of $24,600 a year it returns about $0, an effective 0% back.
It is a stepping-stone card. Keep the balance low and revisit once your score reaches the good range, where no-fee cards with better rates open up.
Double points on every purchase (so you earn TWICE as fast)
No welcome bonus is stored for this catalog entry yet.
No benefits are stored for this catalog entry yet.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| J.CrewThis card | None | $0 | +$0 | 1089th of 1,291 |
| AAA Travel Advantage Visa Signature®Comenity's most-held other card · 5% on gas stations | None | $594 | +$594 | 12th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
