If you’re a frequent Justice shopper, you may recall that the popular tween clothing store once offered its own credit card. However, Justice discontinued their proprietary credit card in 2018 to the disappointment of fans and loyalties
What happened to the Justice credit card, and what replacement card options are available now for dedicated Justice shoppers?.
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A Brief History of the Justice Credit Card
Justice first introduced their own credit card in 2005, in partnership with GE Money Bank. The Justice card offered a promotional 30% off discount for your first purchase with the card, with the ability to earn points for future discounts on all your Justice buys. There was no annual fee, and cardholders received special offers and birthday surprises throughout the year.
For over a decade, the Justice credit card was the go-to payment option for frequent Justice customers. Between the initial 30% discount and ongoing reward points, it provided major savings compared to other payment methods. The card also promoted customer loyalty, as points could only be earned and redeemed at Justice.
Unfortunately, Justice made the decision to discontinue their proprietary credit card in early 2018. The phase out was gradual, with new applications closed first, followed by expiration of existing cards. By mid-2018, the Justice credit card was officially extinct.
Why Did Justice Get Rid of Their Credit Card?
Justice has not provided an official explanation for why their proprietary credit card was discontinued. However, we can make some educated guesses as to what motivated their decision:
- More consumers are shifting away from store-specific cards in favor of general rewards credit cards.
- Managing a co-branded credit card portfolio can be administratively burdensome for retailers.
- Mobile pay, stored value cards, and debit may be cutting into credit card usage, especially among Justice’s target demographic.
- Justice may be trying to drive more customers to their app by offering exclusive deals.
While the Justice card was beloved by longtime devotees, evolving shopper preferences and cost/benefit analyses likely led Justice to kill it off in 2018. For Justice, the hassle of running their own credit card may have eventually outweighed the benefits.
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Don’t Bother Applying – The Justice Card is History
Now that we’ve taken a nostalgic stroll down memory lane, let’s get real – the Justice credit card is gone for good. Applying for the old Justice card is pointless, as no new accounts have been opened since 2018. If you still have an existing Justice credit card, you can continue using it until it expires. But don’t expect any replacements or renewals.
For new Justice customers and those with expired Justice cards, alternatives will need to be explored. I’ll get into the replacement options shortly. But let’s set proper expectations – despite how much we wish it would make a comeback, the original Justice store card is a thing of the past.
Check Out the Old Navy Credit Card Instead
The closest thing to the old Justice credit card is the Old Navy Visa. Technically a World Mastercard, this branded card offers 5 points per $1 spent at Gap brands, which include Old Navy, Athleta, Banana Republic, Gap, Janie and Jack, and Intermix.
Points can be redeemed for rewards certificates applicable to purchases at those stores.
New cardholders get 15% off your first Old Navy, Gap, Banana Republic, or Athleta purchase when you’re approved. The Old Navy Visa also comes with the usual credit card benefits like purchase protection, extended warranty, etc. There’s no annual fee with this card.
The Old Navy Visa isn’t a perfect 1-to-1 replacement for the Justice card. But for faithful Gap brands shoppers, it provides a similar ability to earn discounts on future purchases.
So if you’re a parent who shops Old Navy for your kids often, it’s worth considering.
General Cashback Cards Can Work Well Too
Old Navy not your thing? A general cashback rewards credit card may be a better fit. The right cashback card can still net you significant savings on Justice purchases, without locking you into a specific retailer.
Here are some popular cashback cards to consider instead of the discontinued Justice credit card:
- Chase Freedom Unlimited® – 1.5% back on every purchase with no limit or category restrictions.
- Citi Double Cash Card – 2% back on all purchases – 1% when you buy, 1% when you pay it off.
- Capital One SavorOne® Cash Rewards Credit Card – 3% cashback on entertainment, grocery stores, and popular streaming services.
- Bank of America® Customized Cash Rewards Credit Card – 3% cash back category you choose each month.
Take your Justice spending habits into account and crunch the numbers. A flexible cashback card may end up saving you more money in the long run. Run some calculations using a recent Justice receipt to see which card provides the strongest rewards.
Will Justice Ever Offer Their Own Credit Card Again?
As we detailed earlier, Justice hasn’t shared any concrete reasons for discontinuing their proprietary credit card in 2018. And they haven’t given any indications that a new Justice credit card may be in the works.
In the current retail climate, branded credit cards have fallen out of favor compared to general rewards cards. The costs and effort associated with administering co-branded cards frequently outweigh the benefits.
For a retailer like Justice that caters primarily to younger shoppers, credit card usage isn’t driving most of their business anyway. Offering their own credit card isn’t as critical for a tween brand like it may be for higher-end retailers selling big ticket purchases.
That said, it’s not unthinkable for Justice to reenter the credit card game someday.
The Future of Justice Credit Cards
It seems unlikely that Justice will resurrect their co-branded credit card anytime in the foreseeable future. However, they may still find other creative ways to offer exclusive discounts or incentives for their brand devotees.
Some possibilities that Justice could consider:
- Special discounts, perks, and rewards through their mobile app
- In-store credits or discounts for purchasing Justice gift cards
- Loyalty programs with tiered benefits based on annual Justice spend
- Giveaways, sweepstakes or contests for big Justice shoppers
- Occasional targeted discount offers through email or online
Rather than deal with the cost and effort of running their own credit card, approaches like these provide more flexible and lower risk ways for Justice to reward their best customers.
Do you this you to know about the Justice credit card login guide, Here is a video for you;
Conclusion
For a number of years, the Justice credit card was the choice for fans who frequented the popular girls clothing store. While existing cardholders were bummed to see it discontinued in 2018, the changing retail landscape means the original Justice store card won’t be coming back.
Justice shoppers now need to consider newer options, like the Old Navy Visa or general cashback rewards credit cards. While not a perfect replacement for the Justice card, these alternatives can still offer significant savings if used wisely. And who knows – Justice may find creative new ways to provide exclusive discounts to loyal shoppers in the future.
