JCPenney Credit Card

Card Information

JCPenney cardholders get 10% off the first purchase on the store's website. All cardholders are also enrolled in a rewards program where they can earn points toward a $10 off certificate each month and can attend special savings events throughout the year.

Card Details

  • Earn 1 point for every $1 of qualifying purchases
  • Save 20% on select apparel, shoes, accessories, fine jewelry, salon products, home, furniture and mattresses, custom blinds and shades; save 5% on major appliances (select stores only) and Modern Bride Diamond Vault. The 20% offer can be combined with another coupon and earn JCPenney Rewards.
  • Earn additional JCP Rewards and discounts when you reach Gold or Platinum status with qualifying purchases and points
  • Provide your email address to get your $10 rewards via email.
  • Get a JCPenney Visa® Prepaid Card in mail worth $100 - $500 on purchase of 2 or more qualifying major appliances starting at $398.

Key APRs & Fees

Purchase Intro APR
0% for 12 - 60 months
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
26.99%

Offers

  • Save up to 20% on your first purchase.
  • Earn surprisingly valuable ongoing rewards.
  • Special discounts for frequent shoppers.
  • Promotional financing is a good deal.
  • Offers low-cost credit improvement.

Rewards

  • Save 20% on select apparel, shoes, accessories, fine jewelry, salon products, home, furniture and mattresses, and custom blinds and shades or save 5% on major appliances and select merchandise. The 20% offer can be combined with another coupon and earn JCPenney Rewards.
  • Earn 1 point for every $1 of qualifying purchases, up to a maximum of 2000 points in a single purchase transaction.
  • Get a $10 JCPenney Rewards certificate for every 200 points.
  • Earn additional JCP Rewards and discounts when you reach Gold or Platinum status with qualifying purchases and points
  • Provide your email address to get your $10 rewards via email.

JCPenney Credit Card's Additional Info

MAX LATE FEE
$38
MAX OVERLIMIT FEE
None
MAX PENALTY APR
None
GRACE PERIOD
23 days
ONLINE RESPONSE
No
CASH ADVANCE APR
N/A
CASH ADVANCE FEE
N/A
FOREIGN TRANSACTION FEE
N/A
SMART CHIP
No

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