JCPenney Credit Card


JCPenney Credit Card is a Best Credit Cards for Groceries.

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


How to apply for the JCPenney Credit Card

  1. Click "Apply" button.
  2. According to the requirements of the credit card official website, fill out the application form with information, such as your name, Social Security number, home address, income source, and total annual income.
  3. Review and submit your application.

What will happen if you click the "Apply" button?

  • Clicking the "Apply" button will take you to the official bank's website of the online application. And it will not leave any mark on your credit report.
  • only provides credit cards' information. All applications will be made on the banks' official websites, and our website will not record any your personal information.
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