JCPenney Credit Card


For People with
Fair Credit

The JCPenney Credit Card is a store card that is only usable at JCPenney. Cardholders get a $10 JCPenney reward for every 200 points earned and a number of other shopping benefits, but these features come with a high interest rate.

You’ll also get a special gift on your birthday and 15% off select purchases made on the day you open your card.

This card has no annual fee.

Card Quick Facts

Card Quick Facts

  • Earn $10 at JCPenney for every 200 points you earn
  • 15% or 5% off select purchases on the day you open your card
  • 1 point per $1 spent at JCPenney using your card, and 1 point per $2 spent using another form of payment
  • Gold status after spending at least $500 in a year
  • Platinum status after spending at least $100 in a year
  • $10 or $15 birthday gift each year on your birthday
  • Free shipping from JCPenney.com with Platinum status
  • Earn up to 2,000 points on a single purchase
  • No annual fee
  • High APR of 27.99%

For People with
Fair Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 1X point per dollar spent at JCPenney
How to Redeem

Introductory Bonus

  • 15% or 5% off select purchases on the day you open the card
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 27.99% Variable
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology None
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $38
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • $10 JCPennyRewards

    Every time you earn 200 points in store or at jcp.com, up to 10 times per month.

  • Extra Benefits

    Get extra benefits when you buy a minimum amount of shoes and bras.

  • Bonus Points

    Earn special bonus points throughout the year.

  • Exclusive Offers

    You get coupons and offers throughout the year.

  • Savings Events

    Special savings events for cardholders.

  • Special Promotional Financing

    For furniture, window treatments, in-home custom decorating, fine jewelry or watch purchases.

  • Gold Status After Spending $500 in A Year

    Includes a $10 birthday gift, passbook deals, and special $10 or $15 coupons throughout the year.

  • Platinum Status After Spending $1000 in A Year

    Includes a $15 birthday gift, passbook deals, and special $10 or $15 coupons throughout the year.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

Average rating:  
 0 reviews

The Insider

Abigail Welles
How to Protect Yourself From Credit Card Fraud: Scams, Skimmers, and Phishing
Abigail Welles | Sep 20, 2019

Do you know what a credit card skimmer is? You may have swiped your card through one without even knowing, leaving your information in the hands of a thief.

Read More
Jacob Lunduski
2019 Survey: 40% of Retail Store Credit Cardholders Regret Applying
Jacob Lunduski | Sep 19, 2019

Do you have a retail store credit card? Is it useful, or do you get hit with interest and fees? Learn why so many people regret getting store cards here.

Read More
Abigail Welles
What Is a Data Breach and What Should I Do If I Am a Victim of One?
Abigail Welles | Sep 17, 2019

Data breaches are more common than ever, exposing the confidential information of millions of Americans each year. Have you been involved in a breach?

Read More