Justice Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Justice Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees15% discount initial rewards bonusQualify with fair creditHigh Regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the Justice Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 1-866-257-0058
Justice Credit Card has a rating of 1.9/5 according to our proprietary credit card rating system. This rating reflects how appealing Justice Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Improve Credit by Paying in Full Each Month'. To break it down further, Justice Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.3/5 for Cost, and 2.3/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
2.3/5
29 reviewsRead and write reviews
Market Comparison
Market Comparison
1.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
3.3
Other Features
0.0
1.8/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
26.99% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Get 15% off a future purchase when you open the Justice Credit Card.
5% off all purchases.
Free shipping every day.
Enroll in the Club Justice rewards program and you’ll receive 1.5 points for every dollar when you shop with the card.
Invitations to private offers and early access to amazing sales.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
2.3
Market Comparison
1.8
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.3
Market Comparison
4.3
fees: 5.0
rewards: 0.0
cost: 5.0
Other Features: 4.5
3.6WalletHub Rating
WalletHub Rating
3.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Justice Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
No, you can't apply for the Justice Credit Card anymore. This card is no longer available to new applications.
Alternative Credit Card Option
A similar clothing store credit card is the Old Navy Store Card. It offers 30% off on your first purchase . Plus, you can earn 5 points per $1 spent at Old Navy, Gap, Banana Republic and Athleta. The Old Navy Store Card requires a credit score of 640, at a minimum. That means applicants need fair credit or better for approval.
Ultimately, you can check out our editors' picks for the best store cards and find out which one best suits your needs.
The Justice Credit Card payment posting date is the by midnight on the same day the payment is received. Payment has to be submitted before 8 p.m., ET Monday in order to post to your account on the same day.
Posting only means the payment has been processed and your account will reflect that payment was made. Funds will be available by 8 a.m. the day after the payment posts.
You need a credit score of al least 640 to get the Justice credit card. In addition to your score, the issuer will also look at your recent inquiries and will determine your ability to pay your balance by analyzing your debt-to-income ratio.
Share your insights and review for the Justice Credit Card
5
17%
4
7%
3
10%
2
21%
1
45%
2.3
29 reviews
29 reviews
What's Your Rating?
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Penny Davis @pennyd_8
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1 Star Rating
Verified Customer
Judging by the overall reviews of this card, I think I would just rather pay cash. With only a 3 1/2 overall star rating, this tells me there's something wrong with either the credit card or the customer service. The interest rate is also very high and they have an awfully low rating to have such high expectations of a 670 credit score. This should be a credit card for low to fair credit scores.
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Penny Davis @pennyd_8
Correction I meant an overall rating of 2 1/2 stars and a credit score of 640
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0
neicycagle @neicycagle
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1 Star Rating
Verified Customer
I use this card for my girls went online to ship for Christmas only to be informed my card had been closed. Never been late on payment card was at a 0 balance I'm so disappointed in Comenity bank will not recommend to anyone.
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Courtney Lamberth @TonksToYou
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1 Star Rating
I buy the majority of my daughter's clothes at Justice because they carry a plus size line that fits her wonderfully! I only got this card because of the perks. However, after having this card for over 2 years, I called today to request a credit limit increase from $250. I was denied. Mind blown. I've never been late, make more than the minimum due every month, have over a 700 credit score, and I use this card at least twice a month. After this, I'm seriously considering canceling this account.
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1
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Liz Morgan @liz15
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1 Star Rating
I would not recommend this credit card to anyone. Aside from the high late fees and high interest rate, it's not a great deal. Justice recently let a customer who was not me take out a card in my name, and spent almost the entire limit on the card. Even after reporting the fraud to all the proper places, they still sent me the bill. It took months for them to correct the issue, and the still are sending all store documentation, advertisement, and coupons to my house even after closing the account. After this whole ordeal I never plan on getting a credit card at this store.
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0
0
Skye Harris @HerPrincessSkye
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3 Star Rating
I shop at Justice sometimes for my siblings, and the card has been great for the rewards. I've never had any problems with this card, although I did have to contact someone about the initial reward because it didn't apply within the 7 days. They cleared that up for me almost instantly, and I still enjoy the card to this day. Very nice and situation card. It would be nice if it had more perks for those who stick around and use the card longer, but I can't complain with the deals it's already provided for me. I recommend this to any frequent shopper.
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1
0
Hollie Baker @CoralDreams
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2 Star Rating
I shop at justice a lot for my daughter I recently went into the store for some school shopping and I was offered to apply for the card and get a 15% discount if approved I figured what could it hurt to try, I was happy to be approved. I did receive my promised 15% discount at the store, however recently I tried to make a purchase online and the 15% discount wont apply. I called customer service and nothing has been resolved which is frustrating. I do like having the card because it will come in handy throughout the school year. The interest rate is a bit high but for me personally it worth it to be able to get clothes for my daughter when I don't have cash on hand.
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+ 23 WalletHub users submitted a rating without writing a full review
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Old Navy Store Card and Justice Credit Card
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