JCPenney Credit Card

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.

This is a store-branded card. You may be able to get better rewards and terms with a general-use reward credit card instead.

Learn more about reward credit cards
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  • Rewards
    • Earn 1 point for every $1 spent at JCPenney
  • Signup Bonus None
  • Chip Technology None
  • Foreign Transaction Fee -
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR -
  • Penalty APR -
  • Late Fee Up to $35
  • Returned Payment Fee -

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Perks

  • $10 JCPennyRewards: Every time you earn 100 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 – Spend $500 or more in 1 year

  • Birthday Gift
  • Passbook Deals: Special offers and discounts.
  • Special Gifts: $10 or $15 coupons throughout the year.

Platinum Status – Spend $1000 or more in 1 year

  • Birthday Gift
  • Passbook Deals: Special offers and discounts.
  • Special Gifts: $10 or $15 coupons throughout the year.
  • Free Shipping Events

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