JCPenney Credit Card


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
Regular Purchase APR
Purchase Intro APR
0% for12 - 48 months
Balance Transfer Intro APR
Balance Transfers Not Allowed
Balance Transfer Fee

Additional Info

Max Late Fee
Max Penalty APR
Max Over Limit Fee
Grace Period
23 days
Foreign Transaction Fee
Cash Advance APR
Cash Advance Fee
Smart Chip


  • 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


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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