CreditDonkey is a credit card comparison and financial education website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

Updated August 6, 2015

Justice Credit Card Review: Read Before You Apply

Read more about Teenage Credit Card
Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
This article contains references to products from our partners. We receive compensation if you apply through links in our content. You help support CreditDonkey by reading our website and using our links. (read more)

Research before you apply. Is the Justice credit card worth it? Read this review.

If you have a daughter or niece in the 7-14 age range, you likely have more than a passing familiarity with the retail store Justice. The tween clothing retailer is known for the frilly, the colorful, and the overall fun fashion.

Given its popularity among girls — which means it’s a also a popular stop for the grownups in those children’s lives — you may be wondering whether applying for a Justice credit card is worthwhile. The answer depends on how you tend to use your credit cards. If it’s solely for convenience sake, then you may find one useful.

We'll explain more below. But first, here are some current credit card promotions you should not ignore.

$150 Bonus

Low Interest Rate and No Balance Transfer Fee

Benefits

  • Discounts: The card offers a 15% discounts off your first in-store or online purchase with coupon. You also save an extra 5% off every day when you use the Justice Credit Card.

  • Convenience: Using this card is one way to isolate the charges you make at this store. It would give you a running tab of how much you spend on your tween. There are also cardholder only sales and events.

Drawbacks

  • High interest: With an APR of 27.99%, the Justice card is toward the high end of the credit card interest rate range. Even if you decide to get the card just to get the initial 15% discount (which is really not a good reason to sign up for a card, in our opinion), you may forgo what little you saved if you ever carry a balance on this card.

  • Limited use: The Justice card can only be used at Justice stores or through its website.

Who It’s Best For

Justice Store
Justice Store © Mike Mozart (CC BY 2.0) via Flickr

The time you would want to use this card is very limited as girls quickly outgrow the brand. If you have a large brood of tweens who all have this type of fashion taste, maybe it is worth considering, but still, you may be missing out on other rewarding opportunities.

Consider applying instead for any unsecured credit card with a solid rewards or cash back program. That way, your shopping sprees at Justice will at least put a little cash back into your pocket.

Alternatives

Not sure whether you'd use this retailer card enough to do it justice? You can still use a credit card at Justice and get rewards for your purchases of cute clothes for the tweens in your life. Consider these alternatives to the Justice credit card, depending on which consumer label fits you best:

  • You always pay off your bill each month: For responsible spenders who want some payback for their shopping sprees, look for a rewards credit card.

  • You tend to carry a balance: When you’re the type of shopper who can’t pass up a good sale but also isn’t always able to pay off all that you owe on your credit cards, you should look for a card that offers low interest rates above all else.

  • You are in college: Consider a student credit card. These cards don’t have the same level of perks as the more “grown-up” ones, but some student credit cards will give you cash back for your purchases, and all of them will help you build up credit for when you’re ready for a more generous card or, perhaps, a card to your favorite retailer.

Leah Norris is a research analyst at CreditDonkey, a credit card comparison and financial education website. Write to Leah Norris at leah@creditdonkey.com. Our data-driven analysis has been recognized by major news outlets across the country and has helped women make savvy financial and lifestyle decisions. (read more)

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

More from CreditDonkey:

Credit Cards for Teens

Teenagers and Credit Cards

Infographic: Money Tips that Grow With Your Children

Kids and Money


10 Ways to Finally Avoid Overspending

More Articles in Reviews



April
25
2018

Comcast Xfinity

Comcast Xfinity's TV service is a no-contract cable TV service. They have three package options: the Digital Starter (140+ channels), Digital Preferred (220+ channels), and Digital Premier (260+ channels). Is it worth the subscription? Read on ...

    Credit Card Deals with No Annual Fees

    For your next credit card, you want a lucrative deal. What you don't want is to pay for the privilege with an annoying and pricey annual fee. We canvassed current offerings by credit card companies on CreditDonkey for the cash back, reward points, balance transfers, low interest, and small business offers you should consider.

    Cash Back Rewards

    We think you'll agree with us when we say ...

    Airline Rewards

    The best airline credit card racks up miles fast with reasonable fees and amazing rewards.

    Credit Card Deals

    Applying for a card with a bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt.

    Credit Card Bonus Offers

    Take advantage of credit card bonuses for new customers, including bonus cash, reward points, and airline miles.

    Best Credit Cards

    Here are the CreditDonkey picks for "Best Credit Cards" from our partners in the following categories ...

    Credit Card Rewards

    So you've decided you want to earn rewards for your spending but aren’t sure how to pick the right card?

    Balance Transfer

    Here are three factors to keep in mind when choosing the right balance transfer credit card for your wallet ...
    How to Pay Off Credit Cards

    How to Pay Off Credit Card Debt Fast

    Balance transfers can help you pay off credit card debt faster. Read on to learn how to shrink your balance and pay less interest.

    Best Chase Credit Card

    Find the best Chase credit card in our rankings of top offers and promotions. Read the latest reviews and score the best deals with this guide.

    Study: Credit Cards for Young Professionals

    The best credit cards for young adults have good rewards and benefits but low fees. Use this must-read guide to help narrow down your search.

    Review: Chase Freedom Unlimited vs Chase Slate

    Looking to make a large purchase or pay down credit card debt? Chase Slate or Chase Freedom Unlimited might be for you.

    Review: Chase Freedom vs Freedom Unlimited

    Does Chase Freedom or Freedom Unlimited make more sense? Read this in-depth comparison of these cashback cards to learn which is better. The answer may surprise you.

    Chase Trifecta: Combine Points to Maximize Ultimate Rewards

    Chase Ultimate Rewards program lets you transfer points between your Chase Ultimate Rewards credit card accounts, making it easy to earn, combine and and redeem them for maximum value.

    Best Buy Credit Card Review: Worth the Annual Fee?

    Before you apply for a Best Buy credit card, read this review to see the pros and cons. The expiring rewards, retroactive interest, and high APR are just a few of the hidden surprises we uncovered.

    Walmart Credit Card Review: Read Before You Apply

    Is the Walmart Credit Card worth applying for? Read this expert review and comparison of the Walmart store card and Walmart MasterCard before you apply.

    23 Best Ways to Use Chase Ultimate Rewards

    Redeem Chase Ultimate Rewards points for the most value. This guide highlights some of the best redemption opportunities with Chase points and airline transfer partners.

    Capital One Quicksilver vs Chase Freedom Unlimited

    Both Capital One Quicksilver and Chase Freedom Unlimited give 1.5% cash back with no annual fee. Which one is better? We break down the surprising differences.

    Chase Balance Transfer Offers

    Check out the current Chase balance transfer offers and start saving. Whether you're transferring a balance to or from a Chase card, know these vital tips.

    Chase Ultimate Rewards: What You Need to Know

    Get the most out of Chase credit cards. Read this in-depth guide to Chase's Ultimate Rewards program. We'll explain how to get the maximum value.
More Articles in Reviews





About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.