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
Was this helpful?

Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.

 

Can't watch the video now? Read the full transcript here.

Quick View

Quick View

  • 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

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

The Insider

Brendan Harkness
Best Balance Transfer Credit Cards – 2017
Brendan Harkness | May 15, 2017

Balance transfers let you move debt from a high-interest account to one with lower (or zero) interest, but which cards have the best offers? Find out here.

Read More
John Ganotis
U.S. Bank Altitude Reserve Visa Infinite Card Review: Is it worth the $400 annual fee?
John Ganotis | May 11, 2017

The U.S. Bank Altitude Reserve Visa Infinite Card has lots of benefits, but is it worth the $400 annual fee? Read our review to decide for yourself.

Read More
John Ganotis
MasterCard® Black Card™ Review: Is it worth the $495 annual fee?
John Ganotis | Mar 01, 2017

The MasterCard® Black Card™ is a metal credit card for people who travel frequently. But are its benefits worth the $495 annual fee?

Read More