Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.
The JCPenney Credit Card can only be used at JCPenney, where it provides cardholders with 1 point for every dollar spent. Special discounts and savings are offered throughout the year, but watch out for the high APR of 27.99% Variable.
Every dollar spent at JCPenney on eligible purchases will earn 1 reward point, and a $10 reward certificate will be sent for every 200 points earned. This is the equivalent of getting 5% cash back.
Be aware that your points will expire unless you make a purchase that earns points every 12 months.
Each year you’ll be given opportunities to earn more points than usual; these could be seasonal events, holidays, and other special occasions.
Special discount events will be advertised throughout the year, exclusive to cardholders, and special financing may be available for:
There are two possible upgrades for your JCPenney member status: Gold and Platinum.
If you spend at least $500 in 1 year you’ll qualify for JCPenney Gold status, which comes with extra discounts and savings days each year along with other perks.
If you spend at least $1,000 in 1 year, you’ll qualify for JCPenney Platinum status, which provides the Gold benefits plus more: extra bonus points and exclusive 30% off sales days.
|Annual Fee||Regular APR|
|Up to $38|
If you want to benefit from this card, you’ll need to use it carefully. The high APR means that you’ll need to pay it off each month to avoid revolving your balance and incurring interest charges. Incurring interest on even a small balance can quickly negate any benefits that you’re getting from the card.
If you like the idea of being rewarded for shopping, take a look at our general-purpose rewards cards, which can be used anywhere.
Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.
Do you have a correction, tip, or suggestion for a new post? Contact us here.
The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered.