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Review of the JCPenney Credit Card

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Brendan Harkness By Brendan Harkness Jan 05, 2015 | Updated Mar 27, 2020
Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 27.99% Variable

JCPenney Credit Card

Our rating
Fair Min. credit level
Apply Now

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.

JCPenney Credit Card

JCPenney Credit Card

Our rating
Min. credit levelFair
Annual Fee$0
Regular APR27.99% Variable
Apply Now

securely on the issuer's website

  • 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 with Platinum status
  • Earn up to 2,000 points on a single purchase
  • No annual fee
  • High APR of 27.99%

The Rewards

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.

The Benefits

Special discount events will be advertised throughout the year, exclusive to cardholders, and special financing may be available for:

  • In-home custom decorating
  • Furniture
  • Window treatments
  • Mattresses
  • Fine jewelry

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.

The Costs & Fees

Annual Fee Regular APR
$0 27.99% Variable
Late Fee
Up to $38

The Bottom Line

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.

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