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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.