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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.
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.