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The J.Crew credit card will earn you rewards for J.Crew purchases and provides special shopping benefits, like 15% off your first purchase. But like most store cards it comes with high APR. What is more, this card can be used J.Crew stores only. So if you don’t shop often at J.Crew, you won’t benefit from having a store credit card.

You may consider credit cards with cash back rewards instead. For example, the Discover it® Cash Back credit card is a good option. You will earn 5% cash back at rotatating categories on up to $1,500 in purchases when you activate (you should register each quarter to earn rewards). Plus, 1% cash back on all other purchases. Also all the cash back you've earned will be matched at the end of your first year, if you are a new cardmember. You could turn $150 into $300. This card comes with no annual fee and with 0% intro APR on purchases (when the introductory interest rate is over, the ongoing APR will apply).