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JCPenney Credit Card

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Though it doesn’t come loaded with a whole lot of benefits, the JCPenney Credit Card can only benefit you, as long as you’re a responsible cardholder. There’s no annual fee or unusual terms, and you can unlock Gold & Platinum rewards by spending enough per year. Just make sure you pay off your credit statement in full every month, or you’ll have to deal with a higher than average purchase APR.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 27.49% Variable

JCPenney Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

  • 1X point per dollar spent at JCPenney

INTRODUCTORY BONUS

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

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $38
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
JCPenney Credit Card

Highlights

  • 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%
ABOUT THE ISSUER

Synchrony

Synchrony has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-542-0800 or

Try a different phone number
See all Issuer Cards

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.