Review of the JCPenney Credit Card

Brendan Harkness

Brendan Harkness | Reviews

Jan 05, 2015 | Updated Feb 17, 2015

Although Credit Card Insider does receive compensation from some card issuers as advertisers, this does not in any way influence our overall judgement of a card. JCPenney has not endorsed this content in any way.

Learn more about how we rate credit and charge cards.

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 26.99%.

JCPenney Credit Card

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 26.99% (Variable)
Quick Card Facts
  • Earn $10 at JCPenney for every 100 points you earn
  • Cardholders can upgrade their account to Gold and then Platinum
  • Free shipping from with Platinum status
  • No annual fee
  • High APR of 26.99%

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 100 points earned. You can earn up to 10 rewards certificates per month.

Be aware that your points will expire at the end of each month if you do not use them, and you will need to start over at the beginning of each new month.

So, if you don’t spend at least $100 at JCPenney in 1 month, you won’t receive any rewards for your purchases even if you spend $99. Rewards certificates come in increments of 100 points, so you’ll receive the same reward for earning 100 points as you do for 199 points.

Each year, certain days will be designated as Bonus Point days, during which you’ll earn more points than usual.

The Benefits

After opening the card, you’ll receive 20% off eligible items on your first purchase. This is reduced to a 10% discount for mattresses, watches, furniture, and custom blinds and shades.

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

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

There are two possible upgrades for this card: Gold and then Platinum status.

If you spend at least $500 in 1 year you’ll qualify for the JCPenney Gold Credit Card, which comes with extra discounts and reward certificates each year and an annual birthday gift.

If you spend at least $1000 in 1 year, you’ll qualify for the JCPenney Platinum Credit Card, which provides the previous benefits as well as free shipping events from

The Costs

Annual Fee Regular APR


15.24% (Variable)

The Fees

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 off your balance each month to avoid revolving your balance and incurring the interest charge. Incurring interest on even a small balance can quickly negate any benefits that you’re getting from the card.

You’ll also need to be sure to maximize your spending to get the most out of the 100-point incremental rewards system. Since every $100 you spend will earn you a reward, it will be best to try to spend in increments of $100, getting as close as you can without being under.

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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