JCPenney Credit Card

JCPenney Credit Card is designed for frequent users of JCPenney. JCPenney, which was founded in 1902, is a high-end store with 100 years of experience, providing consumers with high-quality clothing, accessories, furniture and electrical appliances. JCPenney stores are most common in some other shopping malls anchored in suburbs.JCPenney has more than 1050 locations in 49 states and Puerto Rico now.People who would like to spend a lot of time (and money) in local stores, they may regard JCPenney credit cards as a suitable tool for saving money. However, those who have to tend to delay payment may find their quotas cut and/or accounts closed.

JCPenney Credit Card (79)

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JCPenney Credit Card Basics

Synchrony Bank is the issuer of the JCPenney credit card, which also issues an estimated 120 other store-branded credit cards. Applicants of the JCPenney credit card receive a JCPenney MasterCard, allowing where MasterCard is accepted. Applicants Cans Find out which cards they can receive after applying for a JCPenney credit card.

The JCPenney Credit Card is a closed-loop card, which means the cardholder can only use it to make purchases in JCPenney stores or through JCPenney official website. The JCPenney credit card also has the tendency to award lower limits than open-loop. Cards, with reviews citing average limits between $300 and $1,000. Additionally, the JCPenney Credit Card comes with a relatively high-interest rate, charging 26.99% APR for purchases.

There will be one point bonus when the cardholders have qualifying purchases from their cards. If you shop with by another payment way, there still exits earn points at a rate of one point per $2 spent. There will be a maximum of 2,000 points no matter how much you spend. A cardholder can have a $10 JCPenney Rewards certificate for every 200 points, which gives a value of $0.05 for each point.

Advantage of JCPenney Credit Card

You can earn one point per dollar by using the JCPenney Credit Card when shopping. The other ordinary JCPenney rewards program, like gift cards, is different from the JCPenney Credit Card. Thus, try to use the credit card which can help you double the points. You get a $10 reward for every 200 points earned. With this redemption structure, this card earns a 0.5% rewards rate on JCPenney purchases. As this is a store card, it cannot be used outside of JCPenney or

Should You Get JCPenney Credit Card?

Whether to get a JCPenney Credit Card or not? After all, discounts like Black Friday don't happen every day. The first thing you need to consider is whether JCPenney Credit Card is suitable for you or not. JCPenney credit card is best suited for people who frequently shop in JCPenney, especially those who spend over $500 for one year, who can make full use of the additional benefits of the Gold and Platinum Program.Even the high interest rate of credit cards and the low tolerance for delayed payment mean that you should pay the full balance on time every month in order to avoid charges.

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