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JCPenney Credit Card

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Our rating
Credit range: Fair
Annual Fee: $0
Regular APR: 27.99% Variable

JCPenney Credit Card

Our rating
Fair Credit range
$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 None
Regular Balance Transfer APR None
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card

Fees

Penalty APR None
Late Fee Up to $38
Returned Payment Fee None
Additional Cards Annual Fee None
Foreign Transaction Fee None
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 None
Cash Advance Fee None
How to Get a Cash Advance with a Credit Card
ABOUT THE ISSUER

Synchrony Bank

Synchrony Bank 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
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%

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.