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 100 points earned and a number of other shopping benefits, but these features come with a high interest rate.

Card Quick Facts

Card Quick Facts

  • Earn $10 at JCPenney for every 100 points you earn
  • Cardholders can upgrade their account to Gold and then Platinum
  • Free shipping from JCPenney.com with Platinum status
  • No annual fee
  • High APR of 26.99%

For People with
Fair Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • Earn 1 point for every $1 spent at JCPenney
How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 26.99% (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 $35
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.

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