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% 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 $1 spent at JCPenney with your card
  • 1x point per $2 spent at JCPenney with other forms of payment
How to Redeem
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.

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