JCPenney Credit Card

Overview

JCPenney Credit Card is a Store Credit Cards.

The JCPenney Credit Card is a store card that is only usable at JCPenney. Cardholders get a $10 JCPenney reward for every 100 points earned and a number of other shopping benefits, but these features come with a high interest rate.

Key APRs & Fees

Annual Fee
None
Regular Purchase APR
27.99%
Purchase Intro APR
0% for12 - 48 months
Balance Transfer Intro APR
Balance Transfers Not Allowed
Balance Transfer Fee
-

Additional Info

Max Late Fee
$38
Max Penalty APR
None
Max Over Limit Fee
None
Grace Period
23 days
Foreign Transaction Fee
N/A
Cash Advance APR
N/A
Cash Advance Fee
N/A
Smart Chip
No

Benefits

  • 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 2,000 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.

The Credit Level needs to Apply this Credit Card

Fair

Who can benefit from the JCPenney Credit Card

  • People who consistently spend a lot of money at the JCPenney, want to get rewards and save money at their favorite retailers
  • People who want to get an instant approval credit card
  • People who want to improve their credit
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